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Pension in Münster

Everything about pension application

Progress0 of 5 steps completed
5 Schritte · ca. 4 Minuten0%

✓ Du bist in 4 Minuten fertig

Step 1

Check pension information

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

💰 0 €
💡 Tips
  • Pension information comes annually from age 27
  • Online statement via DRV eServices
  • Check insurance history for completeness
  • Missing periods can be added
Step 2

Schedule consultation

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

💰 0 €
💡 Tips
  • DRV advisory office Münster: Weseler Straße 44, 48151 Münster
  • Phone: 0800 1000 4800 (free)
  • Online appointment booking possible
  • Bring all documents to consultation
  • Video consultation also possible
Step 3

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

💡 Tips
  • 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 4

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
💡 Tips
  • 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 5

Prepare tax return

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

💰 0 €
💡 Tips
  • 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

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

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