German Pension Refund Eligibility
As a citizen of Israel, while you were employed in Germany, each month a percentage of your gross salary was paid to the Deutsche Rentenversicherung - the statutory German Pension Insurance - as a pension insurance contribution to secure your retirement pension.
But what happens to your contributions now that you have left Germany? Can you get a German Pension Refund?
The German Social Security Code (§210 SGB IV) regulates the reimbursement of pension contributions from the German Pension Insurance. After you have left Germany, contributions can be refunded on application, if...
a) you have no right to voluntary insurance with the German pension insurance where you currently reside, and...
b) at least 24 months have passed since the last pension contribution payment in Germany.
While b is relatively easy to meet, the social security agreement between Israel and Germany defines whether and where Israeli citizens have the right to voluntary insurance. And whoever is given the right to voluntary insurance cannot get a refund. To be eligible for a refund it is very important not to be given the right to voluntary insurance (as it does not matter if you intend to make use of it).
Office building Rentenversicherung, Berlin | The German statutory pension insurance | All Rights Reserved
Voluntary Insurance vs. German Pension Refund
This question is answered in the social security agreement Israel has signed with Germany.
The Social Security Agreement between Israel & Germany says:
As a citizen of Israel, you are allowed to pay voluntary pension contributions after leaving Germany, if you reside in the EU, EEA, CH, UK or you move back to Israel. In that case you cannot get a refund.
If you live anywhere else in the world outside of Israel, the EU, EEA, CH, or UK, like for example in the USA, you can get a refund of your German pension contributions.
Rule of Thumb For Israelis:
You can only get a refund of your contributions if you currently reside outside the EU, EEA, CH, UK, and also outside of Israel, in any other country worldwide. It does not matter how long you have contributed to the German system.
GermanyPensionRefund.com is the best choice to get a refund of your German pension contributions: safe, fast, and efficient international service for pension refunds.
How Much Can I Claim From My German Pension Insurance?
While you were employed in Germany, 9.3% * was deducted from your gross salary up to the income threshold and transferred to the German Pension Insurance.
If you are a non-European citizen, you can claim your pension insurance contributions back after moving out of Germany, provided you are entitled to do so.
Use our free reimbursement calculator to get an estimate of your possible premium reimbursement.
* Current rate since 2018, different in previous years
German Pension Contribution Refund
Our service is easy, quick and secure.
Thanks to our years of experience, we know exactly how to speed up the processing time of your German Pension Refund and we make sure that you enjoy a smooth, pleasant, and uncomplicated premium refund.
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Our company was founded in 2007 in Berlin, where the head office of the German pension is located. We therefore work in the immediate vicinity, which has many advantages for your German Pension Refund.
Our service fee is success-based and due only after you have received your reimbursement. We do not charge upfront fees or minimum fees. We will advise you free of charge regarding your eligibility for a German Pension Refund.
We provide a reliable and efficient German Pension Refund service. Sit back and relax until your refund has been deposited into your bank account.
Feel free to Contact Us regarding your German pension refund, eligibility, residency, waiting period, or any other questions that might arise reading through our refund information. We are here for you.