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You must submit your application for an old-age pension from the statutory pension insurance (GRV) at the latest at the end of the third month after fulfilling the eligibility requirements. Otherwise you could lose your entitlement. Details on this can be found in Social Security Code 6.
If you apply late, you will only receive your pension from the SPS from the month of application. The details for the old-age pension of the professional pension funds are regulated in the respective statutes, which you can also view on the internet.
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.