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Better known as disability pension, this form of early retirement has been called reduced earning capacity pension or EM pension for short since 2001. Workers who can no longer participate fully in working life can receive this benefit. The reasons are often an accident or a serious illness.
The statutory pension insurance distinguishes between partial and total reduction in earning capacity (EM). A partial incapacity pension is always limited to three years. A full EM pension can also be limited in time. In this case, you must apply for an extension at an early stage. An unlimited EM pension is only granted if the health condition does not improve even after several extensions.
At Horizon65 we can help you to determine if company pensions are worth it for you by using our mobile app to simulate its effect on your future taking into your existing investments and potential impact of inflation and taxation.
We regularly help our clients by comparing all the available company pension products on the market using our comparison portal or you can also directly get in touch with our experts to understand if it can be a good option for you.