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Pension in Münster

Everything about pension application

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Step 12–5 Min

Check pension information

Check your annual pension information to get an overview of your expected pension.

💰 0 €
💡 Weitere Tipps
  • Pension information comes annually from age 27
  • Online statement via DRV eServices
  • Check insurance history for completeness
  • Missing periods can be added
Step 22–5 Min

Schedule consultation

The German Pension Insurance offers free consultations. Use this before applying.

💰 0 €
🏛️ Lokale Behördeninfo
DRV advisory office Münster: Weseler Straße 44, 48151 Münster
💡 Weitere Tipps
  • Phone: 0800 1000 4800 (free)
  • Online appointment booking possible
  • Bring all documents to consultation
  • Video consultation also possible
Step 35–10 Min

Apply for pension

Pension must be applied for – it is not paid automatically. Submit application about 3 months before desired pension start.

3 months before desired pension start💰 0 €

📄 Required Documents

💡 Weitere Tipps
  • Online application via DRV eService possible
  • Standard retirement age: 67 (born 1964+)
  • Earliest at 63 possible (with deductions)
  • 45 insurance years: no deductions at 65
Step 42–5 Min

Clarify health insurance

As a pensioner, you are insured in the pensioner health insurance (KVdR) if you meet the pre-insurance period.

💰 Beitrag wird von Rente abgezogen
💡 Weitere Tipps
  • KVdR: Contribution is automatically deducted
  • Pre-insurance period: 90% of second half of working life
  • Private health insurance: own contributions
  • Inform health insurance about pension receipt
Step 52–5 Min

Prepare tax return

Pensions are partially taxable. Check if you need to file a tax return.

💰 0 €
💡 Weitere Tipps
  • Taxation share depends on pension start
  • 2025: 83% of pension taxable
  • Basic allowance 2025: 12,084 € (single)
  • Pension receipt notice automatically sent to tax office
Step 62–5 Min

🛡️ Check private pension provision

State pension alone is not enough for most people. Now is the right time to check private pension provision – before you retire. A free comparison shows you the best options.

💡 Weitere Tipps
  • 💡 Pension gap: average state pension is only ~50% of last net salary
  • 📊 Riester, Rürup, company pension – free comparison shows what suits you
  • ⏱️ Comparison takes 2 minutes · free · non-binding
  • 🔒 No salesperson – objective tariff comparison only
⏱ 2 Minuten💰 Kostenlos🔒 Unverbindlich
Step 72–5 Min

🏦 Rürup pension for self-employed & high earners

The Rürup pension (basic pension) is particularly interesting for the self-employed and high earners. Contributions of up to €27,566 (2024) are tax-deductible – making it the most efficient retirement provision for high incomes.

⚠️Rürup contributions cannot be cancelled or inherited – but are protected from garnishment and 100% state-subsidised.
💡 Weitere Tipps
  • 💰 Tax savings of up to 45% possible
  • 📊 Ideal combined with fund pension (ETF-Rürup)
  • 🔐 Hartz-IV-proof and garnishment-proof
  • 📅 Pay in current year → tax-effective immediately
⏱ 2 Minuten💰 Kostenlos🔒 Unverbindlich
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Frequently Asked Questions

How long do I have time?
Siehe Details in den einzelnen Schritten
What does it cost?
0 €, 0 €, 0 €, Beitrag wird von Rente abgezogen, 0 €
What happens if I miss the deadline?
Mögliche Bußgelder oder Verzögerungen