![]() ![]() If this protection is not enough for you, then you should consider taking out a private pension for occupational invalidity.Employed pharmacists who are exempted from the statutory retirement pension plan due to participation in the Pharmacists' Pension Fund of Lower Saxony pay pension contributions in the amount of the statutory retirement pension contributions. However, there is no reference to activities outside the profession. There is no protection against occupational invalidity for the most recent role or position within the profession – as a specialist, for example – the protection is intended to apply when any professional activity within the entire spectrum of activities of medical practitioners is made impossible on medical and/or disability grounds. However, the requirements for admission to the occupational invalidity pension are met only if the profession as a medical practitioner can no longer be practised completely. Upon application, financial assistance for medical rehabilitation measures can be granted if curative treatment or follow-up treatment following major surgery is urgently required to prevent occupational invalidity.Ī key benefit of the Medical Practitioners' Pension Fund of Berlin versus the statutory retirement pension plan is, amongst other things, that you already have protection against occupational invalidity after a short waiting period of twelve months of contribution. The waiting period does not apply for occupational invalidity caused by an accident.Ĭhildren’s supplement is granted in the amount of 10% of the pension for occupational invalidity. Contribution periods previously completed with a different professional pension insurance carrier in Germany will also be taken into account. Pension for occupational invalidity is granted upon the occurrence of a qualifying event, provided that at least twelve monthly contributions had been paid before that point in time (so-called waiting period). ![]() Higher payments are also recommended for tax benefit reasons (pension contributions can be deducted as special expenses). To increase your pension entitlements, you can, if you wish, pay more than the 1.0-fold general pension contribution, for example the 1.1-, 1.3-, 1.5-, or 1.8-fold of the general pension contribution. ![]() Upon application and proof of income, a partial waiver of contributions may be granted. Subsequently, the highest compulsory contribution (= 1.0-fold of the general pension contribution), which corresponds to the maximum contribution of the statutory retirement pension, must generally be paid. It is granted from the time of setting up the doctor's surgery until the end of the following calendar year without any income assessment. The minimum contribution on application is 0.2-fold of the general pension contribution. To avoid this double burden, we recommend that you apply without delay for exemption from the statutory retirement pension plan via the Medical Practitioners' Pension Fund of Berlin.ĭoctors with their own surgery or self-employed medical practitioners are also obliged to pay pension contributions (contribution rate: 15% of revenue). The employer is legally obliged to pay half of the contribution amount to the pension scheme.Įmployed medical practitioners who are not exempted from the statutory retirement pension plan have to pay – in addition to the statutory retirement pension contributions – pension contributions to the Medical Practitioners' Pension Fund of Berlin to the amount of 2/10 of the maximum contribution rate of the statutory retirement pension. Employed medical practitioners who are exempted from the statutory retirement pension plan due to participation in the Medical Practitioners' Pension Fund of Berlin pay pension contributions in the amount of the statutory retirement pension contributions. ![]()
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