FAQs regarding the statutory pension – Frequently asked questions

Do you have questions about pension payments? Have a look at the most frequently asked questions here. You may find what you are looking for!

You will find frequently asked questions (FAQs) regarding company pensioners and allowance beneficiaries here: FAQs for company pensioners and allowance beneficiaries

Questions regarding current adaptation of pensions

I have a question regarding my pension adjustment notification.

Printing and sending of pension adjustment notifications to pensioners is one of the tasks carried out by the Deutsche Post AG Renten Service. The prior pension amounts, new pension amounts, and the various explanation and informational texts in the adjustment notification are displayed and printed in accordance with the specifications of the Deutsche Rentenversicherung.

If you have questions about the adjustment results or the new payment amount for your pension, please contact your pension insurance provider. The Renten Service cannot provide you with information regarding pension law, such as its application and how the individual amounts indicated in your adjustment notification are calculated.

When are the pension adjustment notifications sent?

Notifications for pensions paid at the end of June for the month of July are sent out between June 6 and June 27, 2020. Dispatch of notifications for pensions paid at the end of July for the month of July will begin on July 3, 2020 and be completed by the end of July 2020.

Comments and additional explanation: If you receive your pension payment at the end of the month for the coming month, such as at the end of June for the month of July (“advance payment”), then your pension adjustment notification will be sent to you by the end of June as well. If you receive your pension payment at the end of July for the month of July (“payment in arrears”), then you will receive your pension adjustment notification sometime during the month of July.

Please take into account, however, that there are several million adjustment notifications to be printed. Dispatch and delivery of all these notifications takes several week. We therefore kindly request that you not inquire prematurely as to the whereabouts of your adjustment notification.

Are you missing the pension notification adjustment for widow/widower’s compensation?

Sometimes several pensions are summarized in one adjustment notification. For example, if there are two insurance policy numbers printed on the first page of the notification, the notification for your widow/widower’s compensation is located on page two of the pension adjustment notification. If this is not the case, you will receive the notification adjustment for this pension separately in the next few days.

The pension adjustment amount is not correct?

Please contact the pension or accident insurance provider responsible for you with your questions. They will be able to help. The address of the pension insurance provider can be found at the end of the adjustment notification or online at: www.deutsche-rentenversicherung.de.

I have switched health insurance providers. The information on your health insurance provider on the pension adjustment notification is incorrect?

Please contact your health insurance provider directly and show them the adjustment notification.

Questions regarding the Life Certificate

I have a question regarding the Life Certificates 2020.

Life certificates are always mailed together with the pension adjustment notice. Life certificates will be sent out by the end of June 2020. If you have already received your pension adjustment notification and a life certificate was not enclosed, then you do not need a life certificate.

Due to the Corona pandemic, the underlying conditions surrounding issuing of life certificates in 2020 are unique. Complete information on these underlying conditions is available here.

What is a life certificate?

Once a year, pensioners who are entitled to German pension or accident insurance and live abroad must provide proof that they are alive and still meet the requirements for receiving their pension payments. The life certificate is a form that you must fill out and have confirmed by an authorized public authority or body. You must then send it back to the Deutsche Post AG Renten Service in Leipzig using the preprinted return envelope. It is imperative to use the address indicated on the return envelope.

Note: Due to the worldwide coronavirus pandemic, different rules were in effect for the year 2020. For more information on this topic, please read our Notes on the Life Certificate 2020.

Why is my completed life certificate sent to the Renten Service?

The Renten Service of Deutsche Post AG monitors compliance with the requirements for payment of pensions abroad for insurance providers. In accordance with Section 25 (1) sentence 2 of the Deutsche Post Pensions Ordinance (Renten Service Verordnung - RentSV), the Renten Service is responsible for collecting life certificates once per year for recipients of ongoing international payments. Your personal information such as name, address and marital status are checked by means of the life certificate. You are obliged to cooperate.

When will I receive the life certificate form in the mail?

If you are entitled to statutory pension or accident insurance and live abroad, you will usually receive the life certificate form by the end of June together with your annual pension adjustment notification. Enclosed in this letter mail item is an envelope for returning the completed and confirmed life certificate.

If you have not received anything from us by the end of June, you can download the life certificate form from rentenservice.de.

If you have already received your pension adjustment notification and a life certificate form was not enclosed, then you do not need a life certificate.

I live abroad but have not received a life certificate form.

If you have already received your pension adjustment notification and a life certificate form was not enclosed, then you do not need a life certificate. The German statutory pension insurance scheme (Deutsche Rentenversicherung) reviews the death records for some countries electronically. If you live in one of the fourteen countries listed here, you do not need to submit a written life certificate: Austria, Belgium, Bulgaria, Croatia, Denmark, Finland, Israel, Italy, Luxembourg, Netherlands, Poland, Spain, Sweden and Switzerland.

If you live in a country other than those listed above and have not received anything from us by the end of June, you can download the life certificate form from rentenservice.de.

What happens if I don't return my life certificate or don't return it on time?

If your life certificate does not arrive in Germany on time, we will send you a friendly reminder in September. If you do not respond to our reminder, your pension payment will be stopped at the end of the year. If you submit your life certificate early at the beginning of the following year, your payments can be quickly reinitiated.

Otherwise the Renten Service will return the payment order for your pension to your insurance provider at the end of April. Should reinitiation of payment be necessary after that, you must contact your insurance provider. You will find the address for your pension insurance provider on your pension notice or your pension adjustment notification.

Questions regarding the pension ID card

Do I need to carry my pension ID card with me at all times?

You will need your pension ID card to receive discounts at cultural events, etc. We therefore recommend that you carry your pension ID card together with your personal ID in your wallet.

Additional information on the pension ID card is available on the Deutsche Rentenversicherung website.

When does the pension ID card become valid and for how long?

The new eco-friendly, reinforced pension ID card is valid immediately. You may only use the ID card as long as you are entitled to a pension.

Additional information on the pension ID card is available on the Deutsche Rentenversicherung website.

I have damaged/lost my pension ID card. What should I do?

If you require a replacement for your pension ID, please contact the Renten Service in writing and include your Postrentennummer (insurance policy number). You can find this number on your most recent adjustment notification, for example.

You can also reach us via our contact form. Please be aware that creating the new pension ID card will take some time.

Questions in conjunction with the death of a pension beneficiary

How can I notify the Renten Service of the death of a pension beneficiary?

Please notify us of the death in writing and provide the Renten Service with the name, the date of death, and the insurance policy number of the deceased. If possible, please include a death certificate with this notification.
 

For pensioners who reside in Germany

Deutsche Post AG
Renten Service Branch
13497 Berlin

For pensioners who do not reside in Germany

Deutsche Post AG
Renten Service Branch
13496 Berlin

Pensions paid incorrectly for the period after death will be reclaimed. Please do not close the account until the necessary transactions have been made. Please send checks back to the Renten Service.

To apply for a widow's/widower's pension, please contact the insurance provider most recently responsible for payment of the pension. The information and consulting offices of the insurance providers or the insurance offices of the communal/municipal governments can help you in applying.

Applying for advance payment on the pension (“death quarter payment”)

What is an advance payment on a pension for widows/widowers?

The advance payment is paid on the death quarter.

The death quarter is the time period until the end of the third calendar month after the month in which the insured spouse/life partner died.

A pension in the full amount of the insurance pension of the deceased is paid for this period, meaning that the advance payment is three times the amount of the monthly pension paid out for the month of death (without several payment components such as the contribution subsidy amount for voluntary/private health insurance and the child-raising benefit amount).

The own income of the widow/widower is not offset on the death quarter.

What are the requirements for an advance payment on a pension for widows/widowers?

  • The application must be submitted to the Renten Service within 30 days of the death of the pension beneficiary.
  • If the application is submitted late, processing by the Renten Service cannot be guaranteed. Later submission of the application, together with the application for a widow/widower’s pension, is possible when submitted to the pension insurance provider.
  • An original copy of the death certificate in which the widow or widower is listed as the spouse/life partner of the deceased must be enclosed.
  • The widow/widower or life partner must have their domicile or habitual residence in Germany.
  • The pension for the deceased pension beneficiary must have been paid on a monthly basis via the Renten Service.
  • The deceased’s pension payment cannot be paid to a welfare recipient or similar.
  • The marriage or civil partnership must have been in effect for at least one year at the time of death.

In some cases, the relevant pension insurance provider must first decide whether or not to make advance payment on the widow/widower’s pension (e.g., in cases of pension splitting between spouses and similar).

How do I apply for an advance payment on a pension for widows/widowers?

You can apply for advance payment using our change form. Please complete the form and send a signed printout of it together with the original copy of death certificate to:

Deutsche Post AG
Pension Service Branch
13497 Berlin, Germany

Your funeral home can also help you apply for the advance payment.

Will I have to pay the advance payment back?

The advance payment is a part of the widow’s/widower’s pension.

If the advance payment results in overpayment, the amount overpaid will be withheld by the pension insurance provider from the future widow’s/widower’s pension.

Where can I get answers to additional questions on advance payment on the widow’s/widower’s pension?

Please contact the pension insurance provider responsible for you with your questions. They will be able to help.

The address of the pension insurance provider can be found in the adjustment notification of the deceased pension beneficiary or online at: www.deutsche-rentenversicherung.de.

Questions regarding address and account changes

How can I notify the Renten Service of a change in my bank account?

Payments to an account in Germany:
Please notify us of the new IBAN, bank name, and account owner in writing. You must also include your insurance policy number. You can find your insurance policy number on the last page of your pension adjustment notice, for example.

Deutsche Post AG
Renten Service Branch
13497 Berlin

You are also welcome to use our change notification form.

Payments to an account outside of Germany:
The Renten Service needs a completed payment declaration / payment authorization that has been validated by your bank and signed. Download the form in your language from the Download Center.

Deutsche Post AG
Renten Service Branch
13496 Berlin

Due to the current situation regarding the global corona crisis, your bank’s confirmation of the Zahlungserklärung (payment declaration)/Zahlungsermächtigung (payment authorization) can be waived as an exception. In this case, please send us a copy of your bank statement for this bank account (not older than thirty days) together with the Zahlungserklärung (payment declaration)/Zahlungsermächtigung (payment authorization). In this exceptional situation, we will also accept transmission of the documents by fax (+49 221 5692-778) or e-mail sent to: rentenservice@deutschepost.de.

Update: For accounts with Italian banks, confirmation by the bank will be required again, effective August 1, 2020.

How can I notify you of a change in address?

Please notify us of your new address in writing and include your insurance policy number. If you live in Germany::

Deutsche Post AG
Renten Service Branch
13497 Berlin

If you do not live in Germany:

Deutsche Post AG
Renten Service Branch
13496 Berlin

You can also notify us online using our change notification form.

Questions regarding on-time receipt of pension

What do I need to do if I have not received a pension payment?

The pension is always paid on the last working day of a month and must be credited to your account by the bank managing your account by the end of this day (11:59 pm). If the payment has not been credited to your account by then, please notify us in writing and be sure to include your insurance policy number. Please also indicate as precisely as possible the month for which your pension was not paid.
 

For pensioners who reside in Germany

Deutsche Post AG
Renten Service Branch
13497 Berlin

For pensioners who do not reside in Germany

Deutsche Post AG
Renten Service Branch
13496 Berlin

In urgent cases, you can also reach us on the phone:

For pensioners who reside in Germany: 0221-5692-444
For pensioners who do not reside in Germany: 0049-221-5692-777

Questions regarding health insurance and taxes

Who can I contact with questions about my health insurance?

Please contact your health insurance provider directly. If you do not know who your health insurance provider is, please contact the relevant pension insurance provider, e.g. Deutsche Rentenversicherung Bund, Deutsche Rentenversicherung Schwaben, Deutsche Rentenversicherung Rheinland, etc.

Who can I turn to with questions regarding taxes on my pension?

Pensioners who reside in Germany can contact the tax office responsible for them.

Pensioners who do not reside in Germany can contact the following tax office, which is responsible for them:

Finanzamt Neubrandenburg (RiA)
Postfach 110140
17041 Neubrandenburg
Telefon: +49 395 44222 47000
Telefax: +49 395 44222 47100

www.finanzamt-rente-im-ausland.de

E-Mail: ria@finanzamt-neubrandenburg.de

How do I report receipt of my pension on my tax return?

You will receive an income statement from your pension insurance provider. If you received one last year, you will automatically receive a current income statement in the mail on an annual basis. They are usually sent out between mid-January and late February. Otherwise you can also request a statement online: www.deutsche-rentenversicherung.de/Steuerbescheinigung

Questions regarding the amount of your pension

Who can I contact with questions regarding the amount of my pension and/or how it is calculated?

Please contact the pension or accident insurance provider responsible for you. All of the required information for the respective contacts is available under the following links.

Pension insurance providers
Accident insurance providers

Questions regarding data protection

Does the European General Data Protection Regulation (EU-GDPR) apply to the Renten Service?

Responsible handling of your data is required in accordance with the provisions of the German Social Security Codes (including SGB I, VI, VII, X), the German Federal Data Protection Act (Bundesdatenschutzgesetz) and the European Union’s General Data Protection Regulation (GDPR). For more detailed information on data protection and your rights, please visit our websites www.deutschepost.de/datenschutz and Overview of data protection at Renten Service.