Those who meet certain basic requirements can be used in partial retirement at 55 and gain more free time in this way. Two different models can be used, with all variants associated with wage cuts.
More time for the family thanks to partial retirement
With increasing age, many employees long for more free time to do more activities with the family or to be able to discover new hobbies for themselves. In Early duck Only very few employees can afford to go, whereas the model of partial retirement could be an easier alternative.
In order for the concept of partial retirement to be carried out successfully, certain factors need to be observed.
The following is summarized which aspects workers must take into account and fulfill in partial retirement.
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The basic requirements
First of all, it should be clarified whether there is a claim to partial retirement at all. Legally, employees have no general claim to reducing working hours, only a contractually stated agreement in the labor or collective agreement can grant the employee such a claim.
But a corresponding agreement with the employer can also be made afterwards, but the employee is dependent on the benevolence of the manager.
In addition, further basic requirements apply, the employee must have at least the age of 55, as the Federal Ministry of Labor and Social Affairs informed. In addition, a job subject to compulsory insurance had to be carried out for 1,080 days within the past five years, which generated a regular content of at least 400.01 euros per month. The regular retirement age must not be reached in less than three years.
The models of partial retirement
If the employee meets those requirements and also exists from the employment relationship, a total of two different variants of part -time work are available.
One variant is the so -called equal distribution model, if this is used, working hours halved over the entire partial retirement. This means that the employee can either work regularly for half a day, or change in weekly or monthly intervals between full -time and leisure.
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The relevant working time is calculated from the average agreed time of the past two years.
The second possible variant would be the block model, the employee continues to work fully for 50 percent of partial retirement, but only receives a reduced wage. The other 50 percent are then filled with free time, whereby the reduced wages will continue to be paid out to the regular pension.
What is important, however, is important in both variants of partial retirement that this reduces the pension paid later.
Henry Ely Ely / Redaktion Finanzen.net
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