Parents with several children under the age of 25 have paid fewer care contributions since 2023 – also pensioners benefit. The reimbursements for too much paid contributions have started since April of this year.
Signing the contribution based on a constitutional judgment
The introduction of the staggered contribution rates goes back to a judgment of the Federal Constitutional Court from 2022. The court found that the long -term care insurance had so far not sufficiently taken into account the child’s educational benefit. The federal government reacted and lowered the contribution for parents with several children. Specifically, the contribution to long -term care insurance is reduced by 0.25 percentage points from the second child – until a maximum of 1.0 percentage points for five or more children. This discount applies for life, even in retirement age.
Pensioners with children will soon receive money back
Although the new regulation has been in effect since July 2023, it has not yet been taken into account by pensioners. The reason is the lack of digital data comparison between the long -term care insurance and the German pension insurance. According to the “Prevention” portal, affected pensioners should automatically receive reimbursements since April 2025 – retrospectively for the too much paid contributions from 2023 and 2024. Deutsche Rentenversicherung announced that it would pay the payment based on the number of children’s number data. Estimates by pension experts assume that repayments in the middle three -digit range are possible – depending on the start of the pension, the amount of the nursing insurance contributions and the number of children with consideration.
Digital comparison facilitates proof of the number of children
In order for the refund to be made, pensioners must prove their number of children against the pension insurance. So far, this is only possible manually by birth certificate or proof of child benefit.
However, the GKV top association announced that from July 2025 a central, digital detection procedure should be available. This is intended to be able to automatically compensate for the long -term care funds and pensioners to automatically compensate for the number of children and to apply the corresponding contribution rates or to arrange for repayments.
Contribution rate still increases easily
At the beginning of 2025, the general contribution rate for long -term care insurance was raised to 3.6 percent. For parents with several children, however, the staggered discounts continue to have a relieving effect.
For childless insured persons, the statutory surcharge of 0.6 percentage points remains, so that from 2025 they pay a contribution rate of 4.2 percent. Parents with five or more children, on the other hand, pay only 2.6 percent.
Editor finance.net
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