Apply for a pension correctly: How to avoid pension crises

Apply for a pension correctly: How to avoid pension crises

Retirement marks a new chapter in life for many employees. Preparation for retirement begins with the pension application, which should be submitted in good time. Mass retirement is expected by 2036, as the baby boomer generation will retire 12.9 million workers over the next 13 years. The pension entitlement is acquired through monthly payments to the statutory pension insurance, which varies depending on income. In order to claim the deposited amount, an application must be submitted to the Deutsche Rentenkasse, accompanied by various documents such as the pension insurance number and the identity card.

Processing your pension application can take a few weeks, so it is recommended that you submit the application at least three months before the desired payout date. It is important to fill out the application correctly and completely, as missing documents can lead to delays. Clarifying your accounts can speed up the process and help you get a higher pension. Even after receiving the pension decision, it is advisable to check it carefully to identify possible errors and file an objection if necessary.

The transition to retirement can be a time of adjustment and reflection for many new retirees. “Empty Desk Syndrome” describes the feeling of emptiness that can arise when the usual work routine suddenly ceases. In order to prevent existential crises and depressive symptoms, it is advisable to deal with the issue and build social relationships before you retire. Volunteer work can help maintain structure in everyday life and make a meaningful contribution.