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Retirement & Pension in Würzburg in Würzburg

Everything for your transition to retirement in Würzburg – pension application, health insurance and more.

Progress0 of 4 steps completed

4 Schritte · ca. 3 Minuten0%

✓ Du bist in 3 Minuten fertig

Step 1⏱ 2–5 Min

Check pension account

Check your pension account for completeness early on. Missing periods (e.g. training, child-rearing, gaps) can significantly reduce your pension. The German pension insurance offers a free account clarification.

⚠️Gaps in your pension account can lead to permanently lower pension. Check early!

⏰ 3-6 years before retirement💰 0 €

💡 Weitere Tipps

Request pension information: drv.de or in person at DRV
Online: mein.drv.de (log in with BundID)
DRV service phone: 0800 1000 4800 (free)
Gather documents: insurance certificates, employer statements, school certificates

German Pension Insurance↗

Step 2⏱ 5–10 Min

Submit pension application

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Frist: 3 months before planned retirement start · Pension is NOT paid automatically – application is mandatory! Pension starts at the earliest in the application month.

The pension application should be submitted 3 months before the desired pension start date. You can apply online, by post or in person at the pension insurance. The pension is not paid automatically!

📄 Required Documents

ID card(Required)

Social security card(Required)

Bank account details(Required)

Tax identification number(Required)

💡 Weitere Tipps

Online application: drv.de (saves time)
Standard retirement age 2026: 67 years (born 1964 or later)
Early retirement at 63 possible: with 45 contribution years (deductions if under 67)

Apply for pension online↗

Step 3⏱ 2–5 Min

Health insurance as a pensioner

As a pensioner you are compulsorily insured in the health insurance for pensioners (KVdR) if you have enough compulsory contribution periods in statutory health insurance. Contribution rate approx. 14-16% of pension.

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KVdR entitlement: at least 9/10 of the second half of working life insured in statutory health insurance
Contribution: approx. 14-16% of pension
Your health insurer advises you automatically when you apply for pension

AOK Bayern – Pension & health insurance↗

Step 4⏱ 2–5 Min

Senior citizen services in Würzburg

Würzburg offers diverse services for senior citizens – from senior counselling to meeting places and housing advice. The city's senior citizens' department is the central contact point.

💰 0 € (Beratung)

🏛️ Lokale Behördeninfo

•Seniorenreferat Stadt Würzburg: Karmelitenstraße 43, 97070 Würzburg

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