Fundsback.org Supporting ex-pats since 2015
Claim Your German Pension – Without the Bureaucracy
Average pension increase: €86/month
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If you work in Germany as an employee, you “earn” e.g. by paying your contributions so-called pension points ('Rentenpunkte'). They are the basis for the amount of your public pension in retirement. To estimate how much your public pension is currently worth, you need to know the number of your accumulated points.
The German Pension system can be quite tricky, as it requires a lot of paperwork to be submitted in good order. With our Pension Application Assistant, you can easily apply for your retirement benefits online.
Service Notice
We are revising our service and hope to be able to offer it again from the next quarter. At the moment, no new requests are possible. Please contact the German Pension Insurance directly. Thank you for your understanding.
We Secure Your Retirement Benefits
We secure your retirement benefits in Germany. Our team of experts will handle the pension application for you. We not only fill out all the necessary forms for you, but also handle all communication with the German pension insurance. We check your insurance record and close any gaps.
Free Pension Check
Use our Pension Check to see if you qualify for the German state pensions.
Free Insurance Record Check
We apply for an insurance record and check your insurance periods for possible gaps. If there are any, we will close them. This will help you get the pension you are entitled to.
Free Pension Calculation & Personalized Offer
We will estimate how much pension you are approx. entitled to and provide you with a free, personalized offer for claiming your pension.
No-Win-No-Fee
If you decide to entrust us with your pension claim, you will be required to pay 50% of the service fee in advance. The cost of an external lawyer is included in the price. If the claim is successful, you will pay the remaining 50% of the service fee. If the claim is rejected, you will get ALL of your money back.
Why Choose Our Pension Application Service?
No-Win-No-Fee
Initial Payment
€594
50% of service fee, due in advance
If Successful
Pay remaining 50% (total €1,188)
If Rejected
You get ALL of your money back
The cost of an external lawyer is included in the price.
Claiming Your German Pension: The Process
Apply for your German state pension today. Online, automated, and hassle-free.
Free Pension & Insurance Record Check
Use our free check to see if you are eligible for the retirement benefits in Germany. We will then request a free insurance record and check your insurance periods.
Pension Calculation & Personalized Offer
Once we have checked your insurance periods, we will estimate how much monthly and annual pension you are approx. entitled to. We will then provide you with a personalized offer for your pension claim. If there are any gaps in the insurance periods, we will close those with your support.
Online Process and English Support
If you choose to entrust your pension claim to us, our team of experts will guide you through the process of claiming your pension. No stress, no need to speak German, and no matter where you are.
Frequently Asked Questions
The German pension system in a nutshell
The German pension system is based on three main pillars: the state pension, occupational pensions and private pension plans. To ensure the long-term sustainability and affordability of the pension system, the German government has implemented several reforms since 2002 in response to an aging population and growing pension obligations. These reforms include a gradual increase in the statutory retirement age, the introduction of the Riester and RĂĽrup pensions, and a reduction in the maximum state pension. The primary source of funding for the German public pension system is mandatory contributions from both employees and employers.
Who qualifies for the retirement benefits in Germany?
To qualify for a German state pension, you must have worked in Germany for at least five years and paid into the social security system. Certain states have different rules, so you may need to work much fewer months in Germany to qualify for a pension. You must also have reached the legal retirement age to qualify for a pension.
How much does the pension application with Fundsback cost?
At Fundsback, we understand that navigating pension claims can be very complex. Our pricing system is designed to make it fair and risk-free for our clients: Initial payment: €594 (50% of service fee) due in advance. Legal representation is included. If claim successful: Pay remaining 50% (total €1188). If claim denied: Full refund of initial payment.
When will I reach retirement age in Germany?
67 for those born after January 1, 1964. Special rules apply to early retirement, people with disabilities, and certain occupations. Early retirement benefits can be taken at age 63, provided the individual has accumulated at least 35 years of eligible pension contributions.
How much is the German state pension?
The amount is calculated based on cumulative contributions throughout your career. For each year of contributions at the average earnings level (€43,142 in 2023), you earn one "pension point". From January 1, 2021, people who have worked for many years and earned less than the average can apply for a basic pension supplement (average €86 per month).
How to calculate the retirement benefits in Germany?
Factors: Pension Points (based on gross income, max 2.17 points/year for 2022), Access Factor (based on retirement age vs. 67), Pension Value (€36.02 West, €35.52 East in 2022), Pension Type Factor. Formula: Monthly Pension = Pension Points × Access Factor × Current Pension Value × Pension Type Factor
6 Facts about German Pensions
1. You can access pension benefits even if you live outside Germany. 2. Foreigners may receive benefits from abroad. 3. If you don't qualify, you may apply for a refund before retirement age. 4. You can receive pensions from two different countries. 5. Regular monitoring of your pension account is essential. 6. Life events affect your pension benefits.
Are my documents secure?
Yes. All documents are securely transmitted through reliable channels.
Apply Now
In the first step, we determine whether you are entitled to a pension and inform you of this. We will then be happy to support you throughout the entire process.
Start Free Pension Check