As a citizen of Morocco who has experienced working in Germany, it’s important to get to know the criteria for getting a pension refunded. Your contributions to the German pension system are an important part of the country’s Social Security system. However, navigating the process of reclaiming these contributions when you leave Germany, especially understanding the requirements for nationals of Morocco, can seem daunting.
This article delves into the crucial details concerning eligibility for a Reimbursement of German pension contributions for citizens of Morocco.
This guide aims to provide clear insights and guidance to help you make informed decisions about your financial future after leaving Germany, whether you’re considering claiming a refund of your German pension or want to better understand the social security arrangements between Germany and Morocco.
German pension refund entitlement for citizens of Morocco
As an expat living and working in Germany, you will contribute approximately 9% of your monthly taxable income to Deutsche Rentenversicherung, the official pension scheme in Germany. It’s important to understand that this contribution is a shared responsibility, with your employer matching your payments into the social security system.
So, what becomes of these contributions after your employment in Germany ends, and you leave the country? Can they be reclaimed?
The guidelines for requesting a refund of your pension contributions from the German Pension Insurance are specified in the German Social Security Code (§210 SGB VI) and are further detailed in the Social Security Agreement between Germany and Morocco. This agreement is tailored to the needs of nationals of Morocco, detailing eligibility criteria and the process for applying for a refund of your contributions.
Understanding the procedure for claiming a refund of your German pension contributions is key as you plan for your future post-Germany. As a citizen of Morocco, you may be eligible for a refund, provided you fulfill certain conditions.| When planning your future after leaving Germany, it is important to understand the procedure for claiming a refund of your German pension contributions. As a citizen of Morocco, you may be entitled to a refund if you meet certain conditions.}
Pension Refund Eligibility: General Criteria
When you leave Germany, you generally become eligible for a refund of your German pension contributions if:
a) you are ineligible to make voluntary contributions to the German pension system (voluntary insurance/freiwillige Versicherung) from your new place of residence.
and
b) at least 24 months have passed since your most recent contribution to Germany’s statutory pension scheme.
The option to make voluntary insurance payments (a) depends on the social security agreement between Germany and your home country.
Generally speaking, you are not entitled to get your German Pension Contributions refunded if
a) You are entitled to or are already receiving a German pension.
b) You can make statutory pension contributions or are covered by compulsory insurance in Germany.
c) You have the option of making voluntary contributions to the German pension scheme (voluntary insurance).
In short: The entitlement to a German pension refund for nationals of Morocco
As a citizen of Morocco, you are only entitled to a refund of your German pension contributions if your employment in Germany lasted less than 5 years (i.e. you paid pension contributions in Germany for a maximum of 59 months) and at least 24 months have elapsed since your last pension contribution in Germany.
Intergovernmental Social Security Agreements
The bilateral agreements between Germany and Morocco regulate the exchange of social security benefits between the two countries.
In particular, these agreements state that as a citizen of Morocco who is resident for tax purposes in Germany, you are entitled to a German old-age pension after a contribution period of 60 months.
With regard to voluntary contributions to the German pension insurance scheme, the Social Security Agreement stipulates that if you are resident in the EU or the UK, you will be given the option of continuing to make contributions to qualify for a statutory pension in Germany.
In addition, if you have already paid contributions for at least 60 months, you can continue to pay into the German pension system from anywhere in the world.
This means if you live in the EU/UK or have contributed to the German pension system for a minimum of 60 months, you do not qualify for a Reimbursement of German pension contributions. This is because you are eligible for a German pension, and the agreement enables you to make voluntary contributions, even if you do not directly benefit from them.
If you do not meet the pension eligibility criteria and live outside the EU or the UK, you may be entitled to a pension refund 24 months after your last contribution.
Claim your Reimbursement of German pension contributions with our Free Eligibility Check
When navigating the terrain of German pension refunds, it becomes clear that processing times can vary considerably. They can often stretch from several months to more than six months. For those seeking a quicker process, specialized services offer an accelerated route.
In addition, Reimbursement of German pension contributions is made easy through our online tool in the form of a free eligibility check. These tools are designed to seamlessly assess your eligibility for a Reimbursement of German pension contributions and estimate the potential refund amount. The pension check ensures a transparent and straightforward process for checking your pension insurance records with the German Pension Fund and initiating a Reimbursement of German pension contributions.