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The orphan’s pension is intended to provide financial security for surviving children. They receive an orphan’s pension if the deceased parent was insured under the statutory social insurance scheme (§ 48 SGB VI).
The orphan’s pension is paid by the pension insurance institution, provided, however, that the deceased had paid into the pension fund for at least 5 years. If the parent dies before the 63rd birthday, there is a reduction on the orphan’s pension.
If an insured parent dies due to an accident at work, a commuting accident or an occupational disease, an orphan’s pension is also paid. In this case, however, the accident insurance institution is responsible for applying for and paying the pension.
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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