🌅

Retirement & Pension in Würzburg

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

Progress0 of 13 steps completed

Retirement & Pension in Würzburg

Responsible authority

DRV Bayern Süd – Würzburg Advisory Office

✅ Online application: Yes📅 Appointment: Appointment required
Online application ↗

Appointments via 0800 1000 4800 | www.drv-bayernsued.de. Free service line 0800 1000 4800.

  • •Gather documents: insurance records, employer certificates, school certificates

Official sources: DRV Bayern Süd, Deutsche Rentenversicherung · As of 2026-08

13 Schritte · ca. 9 Minuten0%

✓ Du bist in 9 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↗

Opens the official city page in a new tab

Step 2⏱ 5–10 Min

Schedule consultation

Get free advice from German Pension Insurance. DRV Bayern Süd is responsible for Würzburg.

⚠️Appointments are often booked weeks in advance. Plan early!
⏰ 6-12 months before planned retirement💰 0 €

📄 Required Documents

Complete all required documents first

💡 Weitere Tipps
  • DRV Bayern Süd responsible for Würzburg
  • Advisory office: Online search at deutsche-rentenversicherung.de
  • Free hotline: 0800 1000 4800
  • Online appointments and video consultation available
Book consultation online↗

Opens the official city page in a new tab

Step 3⏱ 5–10 Min

Submit pension application

🚨
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

Complete all required documents first

💡 Weitere Tipps
  • Online application: deutsche-rentenversicherung.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↗

Opens the official city page in a new tab

Step 4⏱ 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.

💡 Weitere Tipps
  • 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↗

Opens the official city page in a new tab

Step 5⏱ 5–10 Min

Inform employer

Inform your employer in good time about your retirement date.

⚠️Observe notice periods! Up to 7 months depending on length of service.
⏰ According to employment contract💰 0 €

📄 Required Documents

Complete all required documents first

💡 Weitere Tipps
  • Written resignation required
  • Don't forget company pension/direct insurance
  • Use up remaining vacation or have it paid out
  • Request employment reference
✓ Check notice periods↗

Opens the official city page in a new tab

Step 6⏱ 5–10 Min

Taxes in retirement

Pensions are also taxable! The taxable portion depends on the year of retirement.

⚠️Retirees may need to file tax returns.
⏰ Annually by July 31💰 0 €

📄 Required Documents

Complete all required documents first

💡 Weitere Tipps
  • Retirement start 2026: 83.5% of pension taxable
  • From 2058: 100% taxable
  • ELSTER: free online tax return
ELSTER tax return↗

Opens the official city page in a new tab

Step 7⏱ 5–10 Min

Claim child-raising periods

Child-raising periods increase your statutory pension. For children before 1992: up to 2.5 years. For children from 1992: 3 years per child.

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

📄 Required Documents

Complete all required documents first

💡 Weitere Tipps
  • Also possible retroactively
  • Especially important for mothers
  • Apply at the German Pension Insurance
  • Forms available online at deutsche-rentenversicherung.de
Check child-raising periods↗

Opens the official city page in a new tab

Step 8⏱ 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
💡 Weitere Tipps
  • Website: wuerzburg.de/themen/gesundheit-soziales/senioren
  • Seniorenpass Bayern: discounted public transport
Seniors – City of Würzburg↗

Opens the official city page in a new tab

Step 9⏱ 5–10 Min

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

Complete all required documents first

💡 Weitere Tipps
  • Care levels 2–5 are relevant
  • Pension contributions are paid by the care insurance
  • Apply at the German Pension Insurance
  • DRV Bayern Süd
Claim care times at DRV↗

Opens the official city page in a new tab

Step 10⏱ 2–5 Min

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 €
💡 Weitere Tipps
  • 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↗

Opens the official city page in a new tab

Step 11⏱ 2–5 Min

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 €
💡 Weitere Tipps
  • 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↗

Opens the official city page in a new tab

🧑‍⚕️ Plan care early
Step 12⏱ 2–5 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.

💡 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
👉 Compare private pension for free*
⏱ 2 Minuten💰 Kostenlos🔒 Unverbindlich
Step 13⏱ 2–5 Min

🏦 Rürup pension for self-employed & high earners

The Rürup pension is particularly interesting for the self-employed and high earners. Contributions of up to €27,566 are tax-deductible.

⚠️Rürup contributions cannot be cancelled or inherited – but are protected from garnishment.
💡 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
👉 Compare Rürup pension free*
⏱ 2 Minuten💰 Kostenlos🔒 Unverbindlich
* Affiliate-Link: Bei Abschluss über diesen Link erhalten wir eine Provision – für dich kostenlos und unverbindlich. AmtPilot ist Tippgeber, kein Vermittler. Mehr erfahren

❓ Frequently Asked Questions

How long do I have time?
3-6 Jahre vor Rentenbeginn
What does it cost?
0 €, 0 €, 0 €, 0 €, 0 €, 0 €, 0 € (Beratung), 0 €, 0 €, 0 €
What happens if I miss the deadline?
Lücken im Rentenkonto können zu dauerhaft niedrigerer Rente führen. Frühzeitig prüfen!

Part of: Retirement

The transition into retirement brings several applications at once. These usually belong to it too:

🧑‍⚕️
Organizing care in WürzburgView checklist →
›🕯️
Death in family in WürzburgView checklist →
›🧑‍💼
Work & Job in WürzburgView checklist →
›🏠
Moving in WürzburgView checklist →
›