help needed with the Rentenversicherung

rrasterr Member

Member since 20 November 2023

rrasterrMember20 November 2023 15:41:20

Hi everyone

I have a few inquiries about the German system and I'm hoping you can provide some clarity, as I'm currently feeling quite confused.

For your information, I have never resided in Germany. I work remotely from Portugal for a public employer based in Germany, and I am relatively new to this system with limited information provided by my employer.

I contribute approximately 490 euros monthly to the Rentenversicherung. At the end of the year, I receive the annual Certificate of Insurance, but it indicates a different amount, which is less than half of the 490 euros. The contributor is defined as "Arbeitgeber" (employer).

I'm curious if this represents the employer's contribution and how it correlates with my own contribution to Rentenversicherung. Additionally, how can I obtain proof of my individual annual contribution?

Thanks in advance!!

Kiwerry New member

Member since 27 September 2023

KiwerryNew member20 November 2023 16:06:48

@rrasterrI would suggest you contact the Rentenversicherung directly. Have the number from one of your annual certificates ready. For possibilities see , which is in English.HtH

kubikhan New member

Member since 18 June 2023

kubikhanNew member20 November 2023 18:26:56

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beppi Germany/Singapore Expert

Member since 08 August 2010

Germany & Singapore Expert

beppiGermany/Singapore Expert20 November 2023 20:06:52

15466

@rrasterr First and foremost, please ignore the post by Kubikhan above: He is talking about health insurance and not public pension system ("Rentenversicherung") !

Furthermore, please check with your employer whether you are really contributing to the GERMAN pension system. If you live and work in Portugal,you must contribute to the Portuguese system (regardless of where your employer sits, where the results of your work are going or where the salary is paid) - so according to your post, this is Portugal.

If you also (and then voluntarily) contribute to the German system, the rules might be different from what applies to a German employee, which I describe here:

When you start your first job, your German health insurer issues a social security number and ID. This is used by your employer to pay health, unemployment and pension dues.
In most professions, the pension dues are 18.6% of your pre-tax income, up to a maximum (the so-called "Beitragsbemessungsgrenze"). Half of this is borne by the employer, half from your pay.
Your pension account, which this is paid into, is managed by the German "Rentenversicherung" and you will get a yearly statement mailed to your registered address in Germany. It shows how much you and your employer(s) have paid in and what pension you could get out of it. You can also contact them directly - ask your employer which office is in charge of your account!