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HOME  CONTRACTING COUNTRIES  /  German Pension Insurance Claim | The Philippines

German Pension Refund Eligibility |The Philippines

The information below is for Filipino citizens who previously worked in Germany and contributed to the German pension system.

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Germany -  The Philippines | German Pension Refund | All Rights Reserved

German Pension Refund Eligibility for Citizens of the Philippines

As a Filipino Expat, 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 for your retirement pension.

 

But what happens to your contributions now, after you have left Germany? Can you get that money back?

The German Social Security Code (§210 SGB IV) regulates the reimbursement of pension contributions from the German Pension Insurance in general, while the Social Security Agreement between Germany and The Philippines defines how this law applies to you.

Rule of Thumb For Filipinos:

As a Filipino you can be reimbursed only if you have worked in Germany for less than 5 years and since your last contribution in Germany 24 months have passed.

Can Filipino Citizens Claim a Refund of their German Pension Contributions?

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After leaving Germany you are generally eligible for a German pension refund, if...

a) you are not allowed to keep paying German Pension contributions (voluntary insurance) where you currently live, and... 


b) at least 24 months have passed since the last pension contribution payment in Germany.

If you are allowed to pay voluntary insurance (a), is defined by the agreement with your home country.

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Deutsche Rentenversicherung Bund  | The German statutory pension insurance | All Rights Reserved

Are Filipino Citizens Allowed to Pay Pension Insurance Contributions After Leaving Germany?

The Social Security Agreement* between Germany and The Philippines answers that question: 

If you still live in the EU, EEA, Switzerland or the United Kingdom, you are allowed to keep paying pension contributions to Germany. 

Also, if you have already paid contributions for at least 60 months you are allowed to keep paying German Pension Contributions from anywhere in the world where you live. In that case you cannot get a refund, because you have qualified for old age pension from Germany.

In other words:

As a Filipino citizen, you can only get a pension refund if you have not qualified for retirement pension yet, and you live in a non-EU country

*Read Agreement between Germany and the Philippines on Social Security.

Social Security Agreement:

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Based on the Social Security Agreement between Germany and The Philippines you are allowed to grow your German pension from anywhere in the world (voluntary insurance) after leaving Germany if you have qualified for old age pension.

As a Filipino Expat in Germany, after 60 monthly contributions you qualify for a retirement pension.

If you have not qualified, but still live in the EU or the United Kingdom, you are allowed to pay towards the 60 months to qualify, too.

If you have not qualified for pension, and you live outside the EU or the United Kingdom, you could be eligible for a pension refund, 24 months after the last contribution was paid.

​How Long Does a German Pension Refund for Filipino Citizens Take?

The German pension authority is supposed to provide a decision on your claim within 6 months from submission.

If after 6 months you have not received a decision (Bescheid) from the authorities in Germany, our specialists will take legal action based on the Social Court Act (§88 SGG) and sue the authority for inaction. The court will then force the pension office to act. 

How We Speed Up the Refund Process:

GermanyPensionRefund.com is able to provide you with the fastest average process times of 8 weeks while others have to wait six months or longer.


A German law firm escrow account will be provided, which makes your refund process most Easy, Quick, and Secure. The correspondence happens within days, and our legal specialists know exactly how to speed up the process for you. 

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.

 

As a Filipino citizens you can claim your pension insurance contributions based on the rules explained above.

 

Use our free reimbursement calculator to get an estimate of your possible premium reimbursement.

 

* Current rate since 2018, different in previous years

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MAR/29/2024

A hassle free experience...answered us promptly and kept us updated

I am very thankful for this company for taking care of our refund. We just have to comply with the documents that they needed in order for them to process the request and that's it. It was a hassle free experience plus they will always keep you updated of what's happening to your refund. Kudos to Mr. Kühn for being so patient with us as it took us a while to comply with the documents. He answered us promptly and kept us updated. For a busy person like me and my husband who don't have time to research about the process, we are glad that we made the right choice to entrust our refund to them. I attest that they are exceptionally reliable and professional.

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Mimi Suegay
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FEB/22/2024

Took care of everything...would update me every now and then

I need not worry of anything because Julia took care of everything. She would update me every now and then. Thanks to her I was able to get my refund

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Mary Jane Cia-Centeno
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JAN/18/2024

Their dedication to delivering a seamless experience was evident, and I'm thoroughly impressed

Outstanding service! I would like to say thank you to Mr. Christian Kliem. From start to finish, the team demonstrated efficiency, expertise, and a friendly demeanor. Their dedication to delivering a seamless experience was evident, and I'm thoroughly impressed. I'll definitely be returning and recommending their services to others.

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JAN/03/2024

A pleasure to work with from start to finish... I highly recommend!

Johannes was a pleasure to work with from start to finish! He kept me updated throughout the process and was quick to answer any questions I had. I highly recommend Johannes and his team!

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Vedant Gandhi
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DEC/26/2023

Timely updates...100% safe and secured refund process

The process is really smooth. Though it takes time due to beurocratic challenges but Johannes and his team takes you hand to hand with the whole process. timely updates about the process was given. And 100% safe and secured refund process. Thanks for the amazing services.

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Divya Agarwal
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DEC/23/2023

Very smooth and hassle free

They helped me with the refund process. Made the process very smooth and hassle free

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Mulewa Johychim
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DEC/22/2023

I got my refund sooner than I expected. They did all the hustle!

Wooow! Germany Pension Refund is sure deal. If you are out there looking for how you can claim your pension refund after having worked in Germany, please don't go anywhere else but choose Germany Pension Refund to do almost everything for you while you are relaxing in your home country. Guys, I'm being honest! I'm not marketing for GPR but I'm sharing from my recent experience. I got my refund sooner than I expected. They did all the hustle! They're very professional and they guide you in every step.

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Gerald Lontabo
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DEC/20/2023

6 star service

Thanks for german pension… for very good experience procecing my refund… their very acomadate their clients i will give them 6 star service….

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DEC/19/2023

A+ experience...fantastic providing great communication

Honestly an A+ experience. I put off getting my pension back for so long due to the amount of effort it would require (not to mention the language barrier!).

Johannes was fantastic providing great communication and explaining how it all works. Even checking in once a month to let me know of the current status - all the way right up to me received the payment.

Thanks again!

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Wagner Fornasari
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DEC/19/2023

Professional and transparent

Completely professional and transparent process. Service without excessive bureaucracy and within the promised time.

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Hosky
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DEC/18/2023

Processed in under two months at a reasonable cost

Highly recommended. Refund was processed in under two months and at a reasonable cost. Thanks Christian and the team!

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If you are curious to read more about the social security agreement and its effects on working in Germany and the Philippines, you can find more information of the Deutsche Rentenversicherung here. 

The Philippines Agreement
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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. 

 

We are here for you. Read more

Free Eligibility Check

We provide Free Eligibility check - do not hesitate to claim your refund.

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.

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