Seek advice from the pension insurance institution responsible for you.
During the counselling session you can clarify
- whether it is possible in your case to apply for an early old-age pension or an old-age pension for particularly long-term insured persons, and
- what pension reduction you can expect.
For example, you can calculate how high your monthly pension will be. If you wish, your advisor can also tell you the amount of additional contributions you can make to compensate for the reduction in your pension.
You can also apply in writing for a special pension statement with the same information.
You can then decide whether you wish to claim an early pension with deductions. In such a case, you must apply for the pension in writing or have your application recorded at the relevant offices.
The forms are available from the relevant offices and you can also submit your application online.
Send the completed pension application form directly to your pension insurance provider.
Once your application has been approved, the Deutsche Post AG Pension Service will transfer your pension to your account each month. In most cases, a personal contribution to health and long-term care insurance will be deducted.
You can also have your pension transferred to the account of another person. This person must agree to the transfer in the pension application.
The pension is paid out on the last working day of each month.