Finding out how to get a Pension reimbursement is crucial for people from Angola who have worked in Germany. Your contributions to the German pension system are an important part of your social security. However, the process of claiming these funds and understanding the specific requirements for citizens of Angola can seem complicated.
This guide is designed to make things easier. If you’re considering claiming a Pension reimbursement, we want to provide you with clear and practical information. We aim to help you make informed decisions about your financial future after you leave Germany.
Entitlement to a German pension refund for nationals of Angola
As a citizen of Angola working in Germany, you will pay around 9% of your taxable income each month into the Deutsche Rentenversicherung (German Pension Insurance), the official German pension insurance scheme. This is a joint contribution to the social security system and is matched by your employer.
If you leave Germany, what happens to these contributions? Can they be recovered?
{Due to the lack of a bilateral social security agreement between Angola and Germany, you cannot voluntarily contribute to the German pension system unless you are resident in the EU/UK.|If you are not resident in the EU/UK, you cannot voluntarily contribute to the German pension system due to the lack of a bilateral social security agreement between Angola and Germany.
When planning your life after Germany, it is important to know how to apply for a Pension reimbursement. As a citizen of Angola, you may qualify for a Pension reimbursement.
Pension Refund Eligibility: General Criteria
When you leave Germany, you can usually get a refund of your German pension contributions if:
a) You cannot continue making voluntary contributions to the German pension system (freiwillige Versicherung) from your new place of residence.
and
b) At least 24 months have passed since your last payment into Germany’s statutory pension scheme.
The ability to make voluntary insurance payments (a) depends on the social security agreement between Germany and your home country.
Generally speaking, you won’t qualify to get your German Pension Contributions refunded if
a) You are entitled to or are already receiving a German pension.
b) You continue to make compulsory pension contributions or are compulsorily insured in Germany.
c) You have the option of making contributions to the German pension scheme on a voluntary basis.
In a nutshell: The eligibility for Pension reimbursement for the residents of Angola
If you live outside the EU or the UK and it has been at least 24 months since you last contributed to your national pension, you may be able to get your national pension contributions back.
Social Security Agreements: Residency in the EU/UK
There is no bilateral social security agreement to facilitate the transfer of social security benefits between Germany and Angola. Therefore, your ability to make voluntary contributions to the German pension system is dependent on your place of residence.
{If you reside within the EU or the UK, you are allowed to continue making contributions to the Deutsche Rentenversicherung to qualify for a German pension (freiwillige Versicherung). Information about all social security agreements between EU member states is available online here. | If you live in the EU or the UK, you can continue to make contributions to the German pension insurance scheme (Deutsche Rentenversicherung) in order to qualify for a German pension (freiwillige Versicherung). Information on all social security agreements between EU member states is available online here.
Therefore, living in the EU or UK means that you are not entitled to a German pension refund because you are entitled to a German pension.
On the other hand, if you live outside the EU or UK and do not meet the pension eligibility criteria, you are likely eligible for a pension refund 24 months after your last contribution.
Use our free eligibility check to start your German Pension Refund
Getting a refund from the German pension system can be a lengthy and complex process, often taking anywhere from several months to over half a year. For a faster and more efficient approach, consider Fundsback’s streamlined services. We are committed to enhancing your refund experience with expert guidance every step of the way.
Fundsback also offers important tools like a free eligibility check and an easy-to-use refund calculator. These are designed to help you quickly determine if you qualify for a refund and to estimate how much you could get back. Our refund calculator aims to provide a transparent and straightforward way to review your pension insurance records with the German pension fund and efficiently get started with the refund process.
Optimise your German pension refund with Fundsback
Fundsback simplifies the process of boosting your Social Security benefits in Germany. Our approach is straightforward and efficient, especially designed for nationals of Angola seeking refunds from the German pension system. Navigating this complex process can be challenging, but our expert team is here to provide clear guidance and support, ensuring you feel informed and confident every step of the way.
At Fundsback, we’re committed to providing personalized consultations that evaluate your eligibility for a refund and aim to maximize your payout.
By choosing Fundsback, you can easily navigate the intricacies of the German pension system, confidently secure your refund, and avoid the common obstacles often encountered in the process.
