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Retirement in Düsseldorf

Apply for pension and plan retirement

Progress0 of 5 steps completed
5 Schritte · ca. 4 Minuten0%

✓ Du bist in 4 Minuten fertig

Step 1

Check pension information

From age 27 you receive annual pension information by mail. Check if all periods are recorded and your insurance account is complete.

⚠️Missing periods (education, childcare, unemployment) can reduce your pension!
⏰ Possible anytime, ideally years before retirement💰 0 €

📄 Required Documents

💡 Tips
  • View insurance account online: deutsche-rentenversicherung.de
  • Account clarification: Have missing periods recognized later
  • Child-rearing periods must be applied for!
  • Check training periods and studies
Insurance account online↗
Step 2

Use pension counseling

Get free advice from Deutsche Rentenversicherung Rheinland. The Düsseldorf service center is centrally located on Königsallee.

⚠️Appointment required – no counseling without appointment!
⏰ At least 3 months before retirement💰 0 € (kostenlose Beratung)

📄 Required Documents

💡 Tips
  • Service center Düsseldorf: Königsallee 71, 40215 Düsseldorf
  • Tel. 0211 937-0 | Email: service-zentrum.duesseldorf@drv-rheinland.de
  • Hours: Mon-Thu 7:30am-3pm, Fri 7:30am-1pm (appointment only)
  • Alternative: City insurance office, Willi-Becker-Allee 8
  • Video consultation also possible!
Make counseling appointment↗
Step 3

Submit pension application

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Frist: 3 months before desired retirement start · Pension does NOT come automatically – you must actively apply!

Submit your pension application about 3 months before desired retirement start. The application can be made online, at the service center, or at the insurance office.

📄 Required Documents

💡 Tips
  • Online application: deutsche-rentenversicherung.de
  • Standard retirement age: Born 1964+ = 67 years
  • Retirement at 63 possible with 45 contribution years (no reduction)
  • Earliest retirement: First of month after birthday
  • Additional income unlimited with standard retirement pension
Submit pension application online↗
Step 4

Clarify health insurance

As a retiree you are compulsorily insured in retiree health insurance (KVdR) if you meet the pre-insurance period. Otherwise: Voluntary insurance.

⚠️Without 90% pre-insurance time in second half of life: No KVdR!
⏰ Clarify before retirement💰 Ca. 8% des Rentenbetrags
💡 Tips
  • KVdR: Contributions withheld half from pension
  • Pension insurance pays the other half
  • Voluntarily insured: Pay full contribution themselves
  • Inform health insurance about retirement start!
Inform health insurance↗
Step 5

Inform employer

Give your employer timely notice of your retirement. Observe notice periods and plan the handover of your tasks.

⚠️Observe notice period – your employment contract applies even at retirement!
⏰ According to notice period (usually 3-6 months)💰 0 €

📄 Required Documents

💡 Tips
  • Check employment contract: Notice period and special rules
  • Partial retirement? Special rules apply
  • Clarify and take remaining vacation
  • Request work reference
  • Company pension? Separate application needed!
Resignation letter template↗

❓ Frequently Asked Questions

How long do I have time?
Jederzeit möglich, idealerweise Jahre vor Rentenbeginn
What does it cost?
0 €, 0 € (kostenlose Beratung), 0 €, Ca. 8% des Rentenbetrags, 0 €
What happens if I miss the deadline?
Fehlende Zeiten (Ausbildung, Kindererziehung, Arbeitslosigkeit) können die Rente schmälern!

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