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Apply for Pension in Bremen

Everything about pension application and planning in Bremen

Progress0 of 8 steps completed
8 Schritte · ca. 6 Minuten0%

✓ Du bist in 6 Minuten fertig

Step 1

Check pension account

Have your insurance account clarified at German Pension Insurance - missing periods can still be added!

⚠️Missing contribution periods reduce pension! Best to check years before retirement.
⏰ Ideally several years before retirement starts💰 0 €

📄 Required Documents

💡 Tips
  • Online service: View and clarify insurance account
  • Information and advice center Bremen: Schwachhauser Heerstr. 32-34, 28209 Bremen
  • Phone: 0421 3407-0
  • Free hotline: 0800 1000 48028 (Mon-Thu 8am-5pm, Fri 8am-2pm)
Check insurance account online↗
Step 2

Schedule consultation

German Pension Insurance Oldenburg-Bremen offers free consultation - in person, by phone or video!

⚠️Consultation should be at least 6 months before desired pension start.
⏰ 6 months before pension starts💰 0 €

📄 Required Documents

💡 Tips
  • Information center Bremen: Schwachhauser Heerstr. 32-34
  • Opening hours: Mon-Wed 8am-4pm, Thu 8am-6pm, Fri 8am-12pm
  • Video consultation available!
  • Appointment recommended
  • About 50 volunteer insurance advisors in Bremen for local consultation
Schedule consultation↗
Step 3

Submit pension application

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Frist: 3 months before pension starts · Retroactive payment only for 3 months! Apply early.

The pension application should be submitted 3 months before desired start. Online application possible!

📄 Required Documents

💡 Tips
  • Online application via Deutsche Rentenversicherung eServices
  • Regular retirement age: 67 (for those born 1964 or later)
  • Early retirement with deductions possible (0.3% per month)
  • Rehab application also possible online
Submit pension application online↗
Step 4

Clarify health insurance in retirement

Health insurance continues in retirement - but contributions change.

⚠️Health insurance is mandatory - even in retirement!
⏰ Clarify before pension starts💰 ca. 7,3% der Rente (KV) + ca. 1,7% (PV)
💡 Tips
  • Health insurance contribution deducted directly from pension
  • Pensioner health insurance (KVdR) if 90% of 2nd half of life in statutory insurance
  • With private insurance: pay contribution yourself
Info health insurance retirees↗
Step 5

Claim child-raising periods

Child-raising periods increase your statutory pension. For children born before 1992, up to 2.5 years are credited. For children born from 1992 onwards, 3 years per child are credited. The credit is only granted upon application to the German Pension Insurance.

⚠️Without an application, you will miss important pension points – this can amount to several hundred euros per year in retirement.
⏰ Possible at any time💰 0 €

📄 Required Documents

💡 Tips
  • Also possible retroactively
  • Especially important for mothers
  • Apply at the German Pension Insurance
  • DRV Oldenburg-Bremen: Huntestraße 11, 26135 Oldenburg
Check child-raising periods↗
Step 6

Claim care periods

If you care for relatives (e.g. parents or partner), care periods can increase your statutory pension. The requirement is that care is provided for at least 10 hours per week on at least two days and the person requiring care has a recognized care level.

⚠️Without registration, care periods are not automatically considered – you will miss pension points.
⏰ Possible at any time💰 0 €

📄 Required Documents

💡 Tips
  • Care levels 2–5 are relevant
  • Pension contributions are paid by the care insurance
  • Apply at the German Pension Insurance
  • DRV Oldenburg-Bremen: Huntestraße 11, 26135 Oldenburg
Claim care times at DRV↗
Step 7

Check mini-job and pension

Even with a mini-job, you accumulate pension entitlements. If you are not exempt from pension insurance, mini-job periods count fully towards your future pension. An exemption saves money in the short term but reduces your pension.

⚠️An exemption from pension insurance can permanently reduce your future pension.
⏰ Possible at any time💰 0 €
💡 Tips
  • Subject to pension insurance by default
  • Exemption must be actively requested
  • Especially relevant for long mini-job periods
  • Own contribution: 3.6% of earnings
Check mini-job pension status↗
Step 8

Consider unemployment and pension

Periods with unemployment benefit I count towards your pension, as contributions continue to be paid. Periods with citizen's benefit (formerly ALG II) do not increase your pension, but may be relevant for waiting periods.

⚠️Longer periods without pension contributions can significantly reduce your future pension.
⏰ Possible at any time💰 0 €
💡 Tips
  • ALG I counts as contribution period
  • Citizen's benefit only relevant for waiting periods
  • Have pension account clarified regularly
  • Request account clarification from DRV
Check pension periods↗

❓ Frequently Asked Questions

How long do I have time?
Idealerweise mehrere Jahre vor Rentenbeginn
What does it cost?
0 €, 0 €, 0 €, ca. 7,3% der Rente (KV) + ca. 1,7% (PV), 0 €, 0 €, 0 €, 0 €
What happens if I miss the deadline?
Fehlende Beitragszeiten senken die Rente! Am besten Jahre vor der Rente prüfen.

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