How can I close my gaps in my pension insurance?
November 17, 2022 | 40,00 EUR | answered by Christian Voigt
Dear lawyer specializing in social security law,
My name is Rolf Raab and I am 45 years old. In recent years, due to my self-employment as a freelancer, I have not paid contributions into the statutory pension scheme. Now I am worried about my financial security in old age and wonder how I can close my pension gaps.
Currently, I do not have a regular income and therefore have no means to pay high contributions into the pension scheme. I am afraid that my pension in old age will not be enough to support my livelihood.
Therefore, I am asking for your advice on the possible ways to close my pension gaps. Are there special programs or state support that I can take advantage of? Can I make voluntary contributions to the pension scheme to improve my pension entitlements? Or are there other measures I can take to improve my financial situation in old age?
I would be very grateful if you could provide me with concrete solutions so that I can close my pension gaps and prepare for my future with peace of mind.
Thank you in advance for your support.
Yours sincerely,
Rolf Raab
Dear Mr. Raab,
Thank you for your inquiry regarding your pension gaps and financial security in old age. It is understandable that you are concerned about your future, especially if you have not paid contributions to the statutory pension insurance in recent years. I would like to show you some possibilities on how to close your pension gaps.
First of all, it is important to know that as a self-employed person, you have the option to voluntarily pay contributions to the statutory pension insurance. Through these voluntary contributions, you can improve your pension entitlements and thus improve your financial situation in old age. There are various ways in which you can make voluntary contributions, depending on your personal financial situation.
Furthermore, there are also state support programs that can help you close your pension gaps. For example, under certain conditions, you may receive state subsidies or tax benefits for your voluntary contributions. It is therefore worth informing yourself about these funding opportunities and taking advantage of them if necessary.
Another option to close your pension gaps could be to invest in private retirement products in addition to voluntary contributions to the statutory pension insurance. For example, you can take out a private pension insurance or invest in other forms of retirement savings, such as company pension schemes.
It is important that you address your retirement planning early and seek professional advice to find the solutions that are right for you. I am also available in my online consultation hours to discuss your individual situation and provide you with concrete solution proposals.
I hope this information helps you and gives you a first insight into the possibilities of closing your pension gaps. Please do not hesitate to contact me if you have any further questions.
Sincerely,
Christian Voigt, Attorney specialized in social security law
