2013: Not Only the Pension Insurance Rate ChangesLoan
On January 1, 2013, the following changes came into force in the statutory pension insurance:
The pension insurance rate drops
The pension insurance rate is reduced from 19.6 percent to 18.9 percent of the gross pay, ie by 0.7 percentage points. This is the lowest contribution level since 1996. For employers and employees, this represents a saving of more than 3 billion euros. However, the net salary of the individual will only increase by less than two euros as a result of the reduction.
Mini jobs are subject to pension insurance
In order to counteract the impending poverty in old age, the income limit for mini-jobs or the limit for uncompensated earnings for disability pension and pension benefits, when the retirement age has not yet been reached, was raised to 450 euros per month. At the same time, the mini-job becomes pensionable. Thus, each mini-jobber now has to pay 4.6 percent pension insurance contribution, unless he applies for exemption. The employer continues to lead 15 percent. As a further innovation, mini-jobbers can now also conclude a Riester pension, which they were previously denied.
The contribution assessment limit increases
The 18.9 percent pension insurance contribution is generally only levied up to a certain salary. This contribution ceiling rises in 2013 to 69,600 euros annual income in the old federal states or 58,800 euros in the new federal states. Income above this income threshold is not taken into account.
Voluntarily insured can vote
Self-employed persons who are not subject to statutory compulsory insurance for their pensions can still contribute to the statutory pension insurance. Since 1 January 2013, all voluntarily insured persons now have the choice between an increased minimum contribution of € 85.05 or the reduced maximum contribution of € 1,096.20 per month