What is the disability pension in 2025? (Image: Age Cymru Unsplash)
If you receive a disability pension, there is 2025 good news: the pensions are increasing – and not just because of that regular pension increase in July. The surcharge for older disability pensioners is also reformed.
What exactly changes, how much money flows and what you should pay attention to – we explain it step by step.
Who gets a disability pension?
The disability pension is not intended for everyone who is healthy.
Then she grabs When it gets serious – So if you can no longer work permanently or only to a limited extent. So that you get the pension, you have to Three central requirements be fulfilled:
1. Your ability to work is significantly restricted
It is crucial how many hours you can still work during the day – no matter what job (not only in your previous profession):
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Fully disabled Are you when you less than three hours a day can work.
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Partially disabled Are you when you Between three and six hours are operational.
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Who more than six hours can work daily, has no claim – even if the health restrictions in the previous profession are significant.
The German pension insurance checks this based on medical reports – often the medical service is added.
2. They were insured long enough
So that you are entitled at all, you must have the so -called Fulfill the waiting time. Specifically:
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At least five years member In the statutory pension insurance
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At least three years of compulsory contributions Paid in the last five years before occurring disability
Mandatory contributions are z. B. from work subject to social security contributions, when receiving sick pay or unemployment benefit I.
3. The disability is in the long run
The pension is available not with temporary diseases. The pension insurance checks exactly whether one permanent impairment is available – medically, but also based on their professional situation. Many disability pensions are first limited paid for about three years. Extension are possible – often even common.
New surcharge for disability pension in 2025: Who will get it?
Not all disability pensioners automatically benefit from the new surcharge. Is decisive When your pension started:
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Start between 2001 and June 2014: You get one Surcharge of 7.5 percent
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Beginning between July 2014 and December 2018: Here there are 4.5 percent surcharge
Important: The regulation applies to existing pensioners who have so far been empty if there were new improvements in the EM pension. Exactly this gap is now being closed.
How is the new surcharge calculated?
A two-stage model applies to 2025:
1st level: temporary surcharge (July 2024 to November 2025)
In this transition phase you will get the contract additionally to the previous pension. The money comes as separate transfer – Between the 10. And 20. Each month.
Example:
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Your monthly pension is 1,200 euros
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With 7.5 % surcharge you get 90 euros on top
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That means: 1,290 euros monthly – gross
2nd level: permanent integration from December 2025
From the end of 2025 the surcharge will be firmly integrated into the pension – No more as a separate amount, but directly calculated. The calculation then takes place no longer based on the pensionbut about their Fee points.
That sounds more technical, but is more transparent and fairer in the long term.
Example:
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You have 30 payment points
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Pension value 2025: 40.79 euros
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Surcharge factor: 0.075 (at the start of the pension before 2014)
Invoice: 30 × 40.79 € × 0.075 = € 91.78 surcharge
Your new pension: € 1,223.70 + € 91.78 = € 1,315.48
Plus point: additional pension increase by 3.5 percent
In addition to the surcharge, the regular disability pension on July 1, 2025 3.5 percent.
If you were awarded the contract plus Combining the pension increase, this means the bottom line:
+11.3 percent More pension since 2024 – a real difference in the wallet for many.
New allowances: How high are the additional earnings limits in 2025?
Even if you also earn something next to your pension, there is good news.
The allowances also increase.
If you earn more, the pension becomes proportionately shortened – but not painted immediately. So it is worthwhile.
You should do that now
Even if the new surcharge for disability pension automatically If you are not just leaning back. Because everything does not always run smoothly – especially in the transition phase until the end of 2025.
You can and should actively do that:
1. Check your pension notification closely: From July 2024 you will receive one in addition to your main pension second transfer – the contract. Important: This is not announced specially, but simply flows into the account. Therefore, check your bank statement. From December 2025, the new total amount will be directly on the decision.
2. Check payment points and calculation times: From December 2025 the surcharge will Calculated via earpoints. It is particularly important for the disabled people who had to leave their professional life early on Reconciliation time was correctly taken into account. It compensates for a lack of contribution years – until regular retirement age.
3. Know the additional earnings limits – and use: You can despite disability pension earn somethingWithout the pension being shortened immediately. The new Excursions from 2025 are more generous than in previous years. Those who are part -time can be up to 39,322 euros a year earn. If necessary, be advised by tax or labor law before taking a job.
4. Get advised early: Deutsche Rentenversicherung offers free advice – by phone, on site or digital. This can be very helpful, especially in the case of complex cases, additional income or uncertainties related to the new calculation method. It is best to make an appointment for the end of 2025 – then it will be tight.
Conclusion: noticeably more money – but only if everything is right
The new one Surcharge for disability pension Is an important signal: Even people who have not been able to work for a long time finally get more financial security. The combination of Pension increase and surcharge 2025 ensures a significant relief for many – partly about 11 percent more pension.
But: The transition is technically complex. Two arithmetic models, changing payment dates and many individual cases make it difficult to keep an overview. It is all the more important to thoroughly check your own pension documentsto know the allowances and get help at an early stage.
The bottom line is that those who know their rights can benefit significantly in 2025. If you don’t care, you risk that money falls by the wayside. Therefore, actively do the check – and get what you are entitled to.