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A statutory occupational disability pension is only available to people with statutory pension insurance who were born before 1 January 1961. All those born after that date no longer have this protection; they are covered by the statutory disability pension with significantly lower benefits. That is why consumer protection agencies advise people to take out private occupational disability insurance. This helps to close the gap between current income and the statutory EM pension. The amount of the state EM pension depends on your entire employment history. The longer and the more you have paid into the statutory pension insurance, the higher your benefits.
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.