EM-Rente oder Altersrente: Warum sich der Wechsel 2027 lohnen kann

Full disability pension until 2028 – but switching to retirement pension as early as 2027? This video discusses a specific case: Born in 1962, receiving a full disability pension since 2022, extended until June 2028 – and already fulfilling the 45 years of contributions required for the retirement pension for those with particularly long contribution periods. The big question is: Should the disability pension simply continue? Or could switching to retirement pension be beneficial earlier? It's important to note: The advantage isn't necessarily a higher pension. When switching from a disability pension to retirement pension, there is generally protection of acquired rights. The retirement pension cannot simply be lower than the previous disability pension. The crucial difference often lies in additional income. With a full disability pension, work and additional income are a sensitive issue. It's not just about euros and cents, but also about whether the job is still appropriate given the established total disability. The situation is different with old-age pensions: The earnings limits have been abolished. Those receiving an old-age pension can generally earn additional income without their pension being reduced. Important: This video does not replace individual pension advice. It is intended to help you ask the right questions and avoid typical mistakes before switching pensions. #DisabilityPension #OldAgePension #SocialLaw About this channel: Questions about health insurance, the severely disabled person's ID card, or the broad topic of pensions? We explain everything in an easy-to-understand way. Without legal jargon. So that you can understand it. Contact Christian Schultz: Do you have further questions or requests that I should address here on the channel? Then simply write your question in the comments. Or even better – contact me on Instagram:   / christianschultz_sovd   Here's the link to Christian Schultz's paperback or eBook: From Sickness Benefit to Retirement: https://www.krankengeld-zur-rente.de/... The SoVD Schleswig-Holstein on social media: Facebook:   / sovdsh   Twitter:   / sovd_sh