What is the pension amount when no contributions have been made? - Here's the paraphrased text:
In Germany, individuals who have never worked and do not have child-rearing credits find themselves without a statutory pension benefit, as these pensions are based on contributions made during working life. However, the German government provides a safety net for the elderly with little or no income or pension entitlements, known as basic social assistance pensions or *Grundsicherung im Alter*.
Unlike the contributory statutory pension, this social welfare support is not based on an individual's work history but serves as a minimum standard of living for those in need. This benefit is means-tested and administered separately from the statutory pension system.
The average statutory pension in Germany is approximately 1,620 - 1,640 euros gross per month in 2025, but for those without a work record or child-rearing credits, the minimum supplement under the contributory system can be up to 420 euros monthly, subject to the existence of work periods. It is essential to note that this amount is only a rough estimate, as the exact amount can vary based on individual circumstances.
The statutory pension increased by about 3.74% as of July 2025, but this increase does not affect those without pension contributions.
For those relying on basic social assistance pensions, it is crucial to know that the benefit is paid for a maximum of twelve months and must be reapplied for annually.
Parents who have raised children can claim a pension even if they have never been professionally active due to the so-called child-rearing periods. Parents can divide the "waiting period" among themselves, but only one parent can claim the pension years for each child. Parents who have raised more than one child can acquire a pension claim due to child-rearing work.
The German Pension Insurance speaks of five years as the "waiting time" for acquiring a pension claim. If a child was born before 1992, the parent is credited with 2.5 years of pension time.
For individuals seeking more information on basic security, a brochure detailing the specifics can be found on the German Pension Insurance's website. It is essential to note that maintenance payments, rental income, interest, life insurance, or widow's pensions are offset against the claim for basic security.
In summary, a person who never worked and does not qualify for child-rearing credits must rely on basic social welfare benefits provided by the state if needed. The amount of this welfare support depends on individual circumstances and local social assistance rules, not a fixed pension rate. It is essential to apply for this support and reapply annually to ensure continued income in old age.
To supplement the lack of a statutory pension, individuals in Germany can turn to vocational training opportunities, as acquiring new skills may lead to employment and increased personal-finance. Additionally, for those relying on basic social assistance pensions, the Community policy could potentially include provisions for vocational training, allowing individuals to become more self-sufficient and less reliant on the basic pension.
