Pension reform 2025: How to make the perfect transition into working life!

Pension reform 2025: How to make the perfect transition into working life!

Nowadays, many people find it worth considering how they would like to transition into retirement. On August 21, 2025 at 5 p.m. there will be an interesting event in Braunschweig that will deal with the topic of “continuing work and retirement pensions”. The German Pension Insurance Braunschweig-Hannover invites you to a lecture in which experts will present valuable information on pension insurance options and the advantages and disadvantages of continuing to work in old age. Entry is free and registration is required, either by phone on 0531 7006-441 or by email beratung.in.braunschweig@drv-bsh.de, reports the German pension insurance.

The statutory retirement age is the guideline and many people have the option of starting their retirement earlier or later. So there are a few options on the table to consider. In order to be able to better assess your own financial flexibility, knowledge of the legal regulations is of great importance. An exciting topic that interests many pensioners and future pensioners is how much you can continue to earn without this having an impact on your pension.

Earning extra in old age

Anyone who already receives a statutory old-age pension has the good news that they can continue to work and earn money. Since January 1, 2023, there is no longer any additional earnings limit for those receiving an early retirement pension. This means that pensioners who have reached the age of 63 can earn unlimited income from employment without their pension being reduced. This also applies to those who have been insured for a long time after 35 years of insurance and to those who have been insured for a particularly long time without a pension deduction - a great opportunity to improve your financial situation without having to fear a loss in your pension, as on the portal anwalt.de is explained.

But what about the additional earnings limits? According to the current regulations, pensioners who have reached the standard retirement age have the opportunity to earn unlimited additional income without this being counted towards their pension. For pensioners with a disability pension, however, specific additional earnings limits apply, which depend on the degree of disability. In 2025, these will be increased to 39,322 euros for partially disabled people and 19,661 euros for full-time disabled people, as shown on lohnsteuer-kompakt.de is executed.

Requirements for further work

However, the regulation on continuing to work while drawing a pension should be well thought out. Many employment contracts contain an retirement clause that automatically ends the employment relationship as soon as the full retirement pension is received. For employees, this means that it makes sense to reach a binding agreement with the employer regarding continued employment in order to avoid later legal uncertainties. A postponement agreement is necessary in order to continue the employment relationship beyond the age limit. It is important to formally regulate any changes to working conditions, especially if such an agreement is to be made.

In summary, it can be said that the options for continuing to work in old age are diverse and offer many opportunities to continue to be active in professional life. If you would like to find out more about your options, you should definitely attend the German Pension Insurance presentation and get comprehensive advice. Because as the saying goes: having a good hand and informing in good time never hurts in old age!