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German Pension Refund Eligibility
As a citizen of Morocco, 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 Morocco and Germany defines whether and where citizens of Morocco 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
The social security agreement between Germany and Morocco regulates this question:
As a citizen of Morocco, you have the right to German voluntary insurance after leaving Germany if you still reside in the EU, EEA, CH, or UK area.
If you leave this area, you have no right to German voluntary insurance anymore.
In other words, as a citizen of Morocco you are entitled to a German Pension Refund if you live outside of the above mentioned area, and 24 months have passed since your last contribution was paid. It does not matter how long you have paid into the German pension insurance.
If you currently reside in Morocco, you can only receive your pension refund to a local Moroccan bank account.
This is stated under article 35 SVAbk MAR (Social Security Agreement Morocco) and based on the strict foreign currency exchange regulations of Morocco.
If you live outside of Morocco, your refund can be transferred to anywhere you like.
Rule of Thumb For Citizens of Morocco:
You can only be reimbursed if you live outside the EU, EEA, CH, or UK area.
Otherwise there is no possibility of a German Pension Refund, but you can increase your retirement pension by paying voluntary contributions and apply for your retirement benefits when you reach the German retirement age (65-67 years, depending on your date of birth).
GermanyPensionRefund.com will help you to get a safe, fast, and efficient German Pension Refund if you live outside of the EU, EEA, CH, or UK, and 24 months have passed since your last contribution in Germany.
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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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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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.