German Pension Refund Eligibility
As a citizen of Kosovo, 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 Kosovo and Germany defines whether and where Kosovo 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).
Deutsche Rentenversicherung Bund | The German statutory pension insurance | All Rights Reserved
Voluntary Insurance vs. German Pension Refund
The social security agreement between Germany and Kosovo regulates this question:
As a citizen of Kosovo, you have the right to German voluntary insurance after leaving Germany if you still reside in the EU, EEA, CH, UK, Moldowia, Kosovo, Montengro, Serbia, or Bosnia-Herzogowina.
If you live outside of this area, you are not allowed to pay German voluntary insurance, no matter how long you have already paid contributions.
In other words, citizens of Kosovo are only entitled to a German Pension Refund if they currently reside outside the EU, EEA, CH, UK, Moldowia, Kosovo, Montengro, Serbia, or Bosnia-Herzogowina, and 24 months have passed since the last contribution paid in Germany.
Rule of Thumb For Citizens of Kosovo:
You can only get a refund of your German pension contributions if you currently live outside the EU, EEA, CH, UK, Moldova, Kosovo, Montengro, Serbia, or Bosnia-Herzogowina. It does not matter how long you have contributed to the German system.
In case that you want to increase your monthly retirement German pension contributions, you are not allowed to pay voluntary pension contributions to the German pension scheme after leaving Germany.
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
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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.