When should I apply for an unlimited EM pension?

The “unlimited EM pension” (statutory pension insurance) does not usually pay a reduced earning capacity pension until the regular old-age pension begins, but limits it to three years. After that, you can apply for an extension twice.
The processing time for the subsequent application is often between three and four months, so the subsequent application must be submitted early.
If the state of health has not improved after nine years of reduced earning capacity pension, a permanent pension comes into effect.

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.


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