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In addition to periods of employment, periods of child-rearing and unemployment (unemployment benefit I) are also counted towards the 45 contribution years. However, the last two years before retirement age are excluded from this regulation. In this way, the pension insurance wants to prevent employees from quitting two years before they actually retire in order to retire early with a small reduction in their old-age pension.
If you want to understand what you can expect from the german state pension than you can calculate it accurately with our mobile app.
You can also simulate any potential investments in the app that you could make to supplement the state pension.