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Mini-job in retirement: increasing your pension through work
Combining pension and mini-job: What pensioners need to pay attention to. Find out how you can optimally structure your income and pension.
Mini-job in retirement: increasing your pension through work
Some retirees choose to continue working after retirement, whether for financial reasons or personal reasons. When it comes to mini-jobs in retirement, there are special regulations that need to be observed. With the Flexi pension, pensioners have the opportunity to decide individually how they want to make the transition from working life to retirement. Many pensioners work beyond the standard retirement age or take early retirement and at the same time have a part-time job where they can earn a maximum of 538 euros per month.
By paying pension insurance contributions in a mini-job, it is possible to additionally increase your pension. The German pension insurance states that if you earn 538 euros per month, your pension will increase by five euros after one year. However, it is important to note that if you are exempt from compulsory insurance, only pro-rata pay points are granted and therefore certain benefits, such as the entitlement to transitional allowance during rehabilitation measures, are no longer applicable.
Since the additional earnings limit was abolished last year, early retirees have been able to earn unlimited additional earnings. This offers the opportunity to leave the labor market early and still continue to work without having to accept deductions. In the case of disability pensions, however, there is still an additional earnings limit that is set annually. For 2024 it is 18,558.75 euros. If this limit is exceeded, pension deductions are to be expected, which is usually not the case with a mini-job.
It is also possible to work several mini-jobs as a pensioner, as long as the average monthly income does not exceed 538 euros. If this limit or the annual earnings limit of 6,456 euros is exceeded, all activities are considered to be subject to insurance and are no longer considered mini-jobs. Despite the financial aspect, many retirees say that social and personal motives are crucial to the decision to work in retirement. Studies show that the desire for further work and maintaining social contacts are important reasons for continuing to be professionally active.