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Disability Pension Calculator

Calculate your entitlement to disability pension for partial or full incapacity to work.

Updated 2025 Data stays local

Volle EM-Rente (brutto)

1.299,07 €

pro Monat

EM-Rente (netto, geschätzt)

1.153,58 €

pro Monat (nach KV/PV)

Berechnung im Detail

Entgeltpunkte / Jahr0,8819
Entgeltpunkte (20 Beitragsjahre)17,6375
+ Zurechnungszeit (22 Jahre bis 67)19,4012
Gesamte Entgeltpunkte37,0387
Abschlag- 10,8%
Rentenartfaktor (1,0)x 1,0
EM-Rente / Monat1.299,07 €

Additional income limit (annual)

18.558,75 €

Volle EM-Rente: Einkommen über dieser Grenze fuehrt zur Kürzung der Rente.

Vereinfachte Schätzung. Die Zurechnungszeit wird so berechnet, als hätten Sie bis 67 weiterverdient. Voraussetzung: mind. 5 Jahre Versicherungszeit, davon 3 Jahre Pflichtbeiträge in den letzten 5 Jahren. Angaben ohne Gewähr.

Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.

Frequently Asked Questions

Who is entitled to a disability pension?

You are entitled if you can work less than 6 hours per day (partial disability) or less than 3 hours per day (full disability) due to health reasons, and have at least 5 years of insurance contributions.

How much is the disability pension?

Full disability pension is calculated like a regular pension, with credit for years up to age 67. Partial disability pension is half of the full amount. Deductions apply for early receipt.

What is the Disability Pension Calculator?

This calculator estimates the amount of a disability pension in the case of partial or full reduction in earning capacity.

How does the Disability Pension Calculator work?

Enter your earnings points to date and your age at the onset of disability. The calculator accounts for credit periods (time up to the standard retirement age is notionally included) and computes the monthly pension.

Key Data and Facts

Full disability pension: ability to work under 3 h/day. Partial: 3-6 h/day (half pension). Requirements: at least 5 years of insurance, of which 3 years of mandatory contributions in the last 5 years.

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