Disability Pension Calculator
Calculate your entitlement to disability pension for partial or full incapacity to work. Free online calculator with examples and personalized breakdown for.
Full disability pension (gross)
1.176,77 €
per month
Disability pension (net, est.)
1.044,97 €
per month (after health/care ins.)
Detailed calculation
Additional income limit (annual)
20.763,75 €
Full disability pension: Income above this limit leads to a pension reduction.
Simplified estimate. The credit period is calculated as if you had continued earning until age 67. Requirement: min. 5 years of insurance, including 3 years of mandatory contributions in the last 5 years. Without guarantee.
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.
Step-by-Step Guide
How to calculate die Erwerbsminderungsrente step by step: 1. Art der Erwerbsminderung bestimmen: Volle Erwerbsminderung: Sie koennen weniger als 3 hours taeglich arbeiten (in jedem Beruf). Teilweise Erwerbsminderung: Sie koennen 3-6 hours taeglich arbeiten. 2. Voraussetzungen pruefen: Mindestens 5 Jahre Versicherungszeit (Wartezeit). Mindestens 3 Jahre Pflichtbeitraege in den letzten 5 Jahren vor Eintritt der Erwerbsminderung. 3. Rentenhoehe calculate: Bisherige pension points (Entgeltpunkte) werden zusammengezaehlt. Zuruechnungszeit: Die Zeit vom Eintritt der EM bis zur Regelaltersgrenze wird fiktiv hinzugerechnet (als haetten Sie durchschnittlich weitergearbeitet). Rentenformel: pension points (Entgeltpunkte) x pension type factor x aktueller pension value (Rentenwert). pension type factor: 1,0 (volle EM) oder 0,5 (teilweise EM). 4. Hinzuverdienstgrenze beachten: Volle EM-pension: Hinzuverdienst ab 2023 unbegrenzt (nach Aufhebung der Grenzen). Teilweise EM: ebenfalls individuell ermittelt. Beispiel: Arbeitnehmerin, 45 Jahre, 20 Beitragsjahre, durchschnittlich 0,9 EP/year. Bisherige EP: 20 x 0,9 = 18 EP. Zuruechnungszeit bis 67 Jahre: 22 Jahre x 0,9 EP = 19,8 EP. total-EP: 37,8 EP. Volle EM-pension: 37,8 x 1,0 x 40,79 = 1.541,86 EUR gross. Teilweise EM-pension: 37,8 x 0,5 x 40,79 = 770,93 EUR gross. Nach Abzuegen (health insurance (KV)/long-term care insurance (PV) ca. 11 %): Volle EM-pension net ca. 1.372 EUR.
Calculation Example
45 Jahre alt, 20 Beitragsjahre, 0,9 EP/year. Bisherige EP: 18. Zuruechnungszeit (22 Jahre): 19,8 EP. total: 37,8 EP. Volle EM-pension: 37,8 x 40,79 = 1.542 EUR gross (ca. 1.372 EUR net).
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