This is the situation regarding the old-age security of teachers

If one goes beyond the Retirement allowance that German teachers receive in retirement, speaks, one must – as with the salary to which teachers are entitled in this country – in principle Distinguish between civil servant and salaried teachers.

Of the approximately 800.000 teachers in Germany have about 600.000 have civil servant status – that’s over 80%.

There are Differences from one state to another as well as between different School forms: While in Berlin newly hired teachers are no longer civil servants at all, in Bremen and Hamburg the chance of civil servant status is highest.

Especially at grammar schools there are many civil servants, at special and remedial schools there are the fewest.

But what are the consequences of this system for the retirement pensions of educators in Germany?

How is the system structured, how much money is a teacher entitled to in old age and at what point can one retire??

What possibilities are there to supplement the pension?

We shed light on all these issues in this article.

How does the system of pension provision for teachers in Germany work??

When a Civil servant retirement goes, he receives through his employer a Pension.

This pension claim is derived from the Basic law and the Federal Civil Service Act (BBG), according to which the employer has to take care of the welfare of the civil servant and his family for the rest of his life (this is called the "Alimentation obligation"), and also for the time after the employment relationship.

Civil servants – unlike their salaried colleagues – have to pay during their working life do not pay any contributions to the pension scheme, because their pension is financed by the current Tax revenues from federal and state governments.

For the amount of the pension is not decisive, how much one has earned in the professional life in total, but only the pay one received in the last two years before retirement.

All civil servants with a certain number of years of service and those who have left the service for special reasons are entitled to a pension (z. B. in case of illness). To be entitled to a pension, the period of service must have been at least five years.

No claim has who was dismissed from the service and/or who was deprived of the civil servant status.

teachers who do not work as civil servants but as Employees in the public sector teachers who were employed as civil servants do not receive a pension when they retire, but an old-age pension old-age pension.

This results from the contributions that are paid in the course of the professional life to the statutory pension insurance have been paid in.

This contribution, which is paid monthly by the employer to the pension fund, amounts to just under 20% of the teacher’s salary.

Teachers as employees in the public sector must pay into the statutory pension scheme. | Source: Pixabay

In contrast to civil servants, the statutory pension insurance system applies the Equivalence principle. In other words: Who pay in a lot and for a long time, will later receive higher statutory pension.

Every single year of employment is taken into account equally in the pension calculation. For the time, in which one is not employed and accordingly no pension contributions pays, one has consequently also no pension requirement.

In addition to the statutory pension insurance, former teachers are entitled to the so-called "Supplementary pension scheme for the public sector", which is intended to give non-civil servants access to a pension scheme equivalent to the civil servants’ pension. They also have to pay into this during their working life.

How can I calculate my pension or retirement pension as a teacher??

As already mentioned, the amount of the civil servant’s pension is determined by his or her earnings in the last two years of service.

The Pension is calculated on the basis of a points system. For each full year of service of a civil servant, a value of almost 1.8 percentage points is credited to him.

Thereby maximum value of 71.75 points be achieved. This corresponds to a service period of 40 full years of service.

In other words: As a pension, a civil servant receives a maximum of 71.75% of the gross salary received during the two years prior to retirement.

A short Calculation example:

A primary school teacher in Bavaria in grade A12 (step 11) retires after 40 years and last earns 4.576 euros per month.

Since per year just under 1.8% of the last salary or. If a maximum of 71.75% is paid out as a pension, he or she will receive a monthly pension of 3.283 euros pension.

If a civil servant leaves the company as a result of a voluntary earlier retirement retires early, he or she also receives a pension, but must retire with corresponding deductions calculate.

In fact, many teachers in the civil service can show less than 40 years of service when they retire due to leave of absence or part-time employment, which is why the Pension level current (2017) is around 68.

How high your Pension entitlement You can calculate your pension entitlement using this pension calculator.

How high your personal pension entitlement is, can be calculated individually. | Source: Pixabay

Also the pension of Employees in the public sector Service will be reduced with the help of a Points system determined: One pension point receive the exact annual amount set by the statutory pension insurance Average salary of all employees earned in Germany.

If your annual income is higher, you will receive correspondingly more pension points.

In addition, as mentioned above, employees in the public sector are entitled to a Supplementary pension to, which has Top up pension and is intended to ensure that they do not lag too far behind their civil servant colleagues in terms of retirement benefits.

The supplementary pension depends on earnings and age and is calculated by the contributions paid in during the working life (by the employee and the employer), and also according to a points model.

When can I retire as a teacher??

Due to the federal system in Germany the federal states regulate the age limits for the retirement of state civil servants independently.

In most countries, the working life of civil servants ends with a with completion of the 67. Age of retirement (Exceptions are Berlin, Rhineland-Palatinate, Saarland, Saxony-Anhalt: 65 years).

For civil servants born before a certain date, there are usually Special regulations.

Also a high number of years of service (min. 45), periods of Raising children as well as severe disability are taken into account and can entitle them to a higher retirement age, without pension reductions being comes.

There are similar regulations for employees in the public sector, where a retirement age of 67 also applies under normal circumstances.

The regular retirement age is 67. | Source: Pixabay

In fact, on average nationwide, civil servants retire earlier than other workers: in 2015, federal civil servants retired at an average age of 62.5; "normal" workers did not retire until 64.

Teachers in particular are among the occupational groups in which the Early retirement quite common is. For both civil servant and salaried teachers, early retirement or. Early retirement pension in question.

Reasons for early retirement include the high workload, pressure to perform and psychological stress that many teachers experience as a result of their profession.

Almost every third teacher retires due to psychological problems or secondary illnesses retire prematurely from their profession.

By the way: Did you know that as a lifetime civil servant, you have a special duty of loyalty to the state until your death??

This means, in theory, that as a retired civil servant can be re-engaged – in fact, however, this happens very rarely.

How can I reduce my teacher’s pension or. -improve pension?

In the general discussion, pensions for civil servants are often portrayed as particularly lucrative or even outrageously high retirement benefits. However, this does not apply across the board to every teacher.

It is often forgotten that retirees have to pay tax on over 80% of their pension, pensioner, on the other hand, only 76.

In addition, civil servants usually have to pay private health insurance Are often required to pay higher insurance premiums in retirement than their legally insured colleagues.

But also for former employees the situation is not always rosyThe reform of the supplementary pension scheme in 2002 has led to a deterioration of the old-age security, which is why often also a private pension is necessary.

Those who entered the profession late in life or were employed part-time must also expect a low pension or. Calculate pension.

And last but not least, early termination of a career as a school teacher, which is not uncommon, can lead to reductions in retirement benefits.

Who this Close the pension gap can, for example, give private tutoring or teach German as a foreign language.

This can be either in the form of a part-time job still be during active professional activity or else due to a job as a private tutor in retirement.

Retired teachers are allowed to have another income in addition to their pension have. Only if the sum of pension and additional income exceeds the last salary before retirement, there are deductions.

Those who want to supplement their pensions as teachers can z. B. Giving extra tuition. | Source: Pixabay

Theoretically, anyone can give private lessons. For example, there is tuition from students for students.

With such a supplementary or. Side job for teachers you can, however, unlike many others with the tutoring students and their parents With your qualification – so your training as a teacher – as well as Your Work experience score.

Accordingly, you can and should also easily charge higher prices, than tutoring students for students.

According to the website lie the Prices for trained teachers on average 30% higher than for tutors without qualification!

An hourly rate of 20-30 euros is the rule, whereby the limit is open upward.

professionals can quite also 50 euro as hourly rate demand.

It is important Never sell yourself and your know-how below value! And you must not forget that you also have to pay taxes on this income and have corresponding deductions.

In 2016, the weekly working hours of a teacher were between 39 and 41 hours per week. If you calculate the net hourly wage, it is – even if there are differences depending on work experience and subjects – less than 20 euros for a high school teacher.

A side job for retired teachers can therefore be well worth it, especially since the demand is constantly increasing.

Other benefits: You must no mountains of class work correct more, you can personally take care of every student and can your program and workload to your liking.

The risk of an overwork is thus clearly smaller than in the classical teacher everyday life.

In addition, as a pensioner or retiree, you no longer have to worry about career mobility or promotion prospects for teachers.

Last but not least, by taking a job as a tutor in your old age, you can not only increase your bank balance, but also after your time in regular working life Pursue your passion: The passing on of knowledge and the education of young people.

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