Rechtsstand Herbst 202643 life situations645 topic pages41 roadmapsFree, no account

I'm retiring soon, can't work because of illness, or I have mail from the pension insurance

Old-age pension, reduced earning capacity pension (Erwerbsminderungsrente) or a notice from the Deutsche Rentenversicherung (German Pension Insurance): when to apply, how to check notices and keep deadlines, and what help may be available if your pension is small. With a deadline calculator for the pension application, objection and lawsuit.

How the roadmap works. Answer the questions. Your roadmap is built from them. It shows when you should apply for your pension, by when an objection must be received, and which offices help free of charge. Important: the pension is only paid on application. Advice from the Deutsche Rentenversicherung is free.

Your answers are not stored or transmitted; they only appear in your browser's address bar. Anyone who shares the link also shares the answers. Legal position as of November 2026: SGB VI (standard retirement age under § 35, § 235; credited period under § 253a; supplement for reduced earning capacity pensions under § 307i), Pension Package 2025 (48 percent pension level guarantee until 2031, Mütterrente III from 2027, BGBl. 2025 I Nr. 362), § 3 Nr. 21 EStG (Aktivrentengesetz, BGBl. 2025 I Nr. 361, since 1 January 2026), § 22 EStG, SGB V (KVdR), SGB XII (basic income support in old age and in case of reduced earning capacity), WoGG (reform from 2027 only planned), SGG, SGB X (deemed notification after 4 days), SGB I.

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As of November 2026. The roadmap arranges general information according to your answers. It does not review an individual case, does not replace legal advice and does not assess your dismissal or any deadline as valid, met or missed. Whether an entitlement exists is decided by the responsible office; deadlines and amounts change often – check important details with an advice centre.

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On a decision, deadline, application or responsibility. You get an answer with the matching page, the responsible office and the next step, usually within two working days. No legal advice in individual cases, no sharing of your data.