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Submit your pension application correctly: Tips for entering retirement
Plan your retirement properly! Find out how new retirees can optimally prepare for retirement. Tips for applying for a pension and coping with “empty desk syndrome”. #pension #preparation #newpensioner
Submit your pension application correctly: Tips for entering retirement
Retirement marks an important phase in life for many employees. According to forecasts, a mass pension is expected by 2036, as the generation with the highest birth rate, the baby boomers, will send around 12.9 million workers into retirement in the next 13 years. It is important to prepare for this phase of life in good time, starting with submitting your pension application on time.
When applying for a state pension, it is crucial to submit all required documents on time to avoid financial worries. The monthly contributions to statutory pension insurance generally amount to 9.3 percent of gross wages. The amount of payments varies depending on income between 83.70 euros and 1,311.30 euros. In order to claim the amounts paid in, you must submit an application to the Deutsche Rentenkasse.
Processing the pension application can take a few weeks, with the average processing time being between three and six months. It is therefore advisable to submit the application at least three months before the desired payment date. It is crucial to ensure that all required documentation is complete, as incomplete information can lead to delays.
In order to optimize the pension amount, it is advisable to close any gaps in the contribution years early on. The pension amount can be positively influenced by additional evidence such as periods of training or periods of illness. Even after receiving the pension notice, it is important to check it carefully in order to correct any errors and avoid unnecessary costs.
After the pension has been credited to the account, it can take some time for new retirees to get used to the new phase of life. The feeling of emptiness and uselessness in the workplace can trigger existential crises, which is known as “empty desk syndrome”. To overcome this phase, experts recommend building deep social relationships and participating in volunteer work to find structure and meaning in everyday life.