Contribution obligation and amount of the contributions
As a member of our pension fund, you are required to pay contributions. By paying contributions you acquire entitlements to a retirement pension and any disability pension. If the statutory requirements are met, we provide subsidies for rehabilitation measures and we grant your relatives a survivor’s pension in the event of your death.
There are no waiting times in our pension fund. You can enjoy full insurance cover from the very first premium on.
In principle, the standard contribution is to be paid. It corresponds to the respective maximum contribution of the statutory pension insurance. In 2023 it is € 1,357.80 per month. In certain situations, the mandatory contribution may add up to a lower standard contribution.
The amount of your compulsory contribution depends on your activity:
- Contributions by employed physicians
- Contributions by self-employed physicians
- Contributions by physicians without medical activity
- Contributions by officials and soldiers
It is good to be well looked after in old age and when you are unable to work. In general, the higher your contribution, the higher your future pension and the pension of your surviving dependants.
If your compulsory contributions are below the standard contribution, we recommend you to top up your contribution payment. This is possible up to the amount of the regular contribution. Because the payment of small contributions always leads to a lower pension entitlement. An informal application is sufficient for the increase. It must be received by us by the 15th day of the current month for which the increased premium payment should count. Please give us a call or send us an email. We would be happy to advise you.
If you already pay the regular contribution, you may further on increase your pension entitlement by taking part in our voluntary additional insurance .
Important! Pensions are a part of income and are therefore generally taxable. In return, the legislature encourages expenses that you pay for your retirement benefits. Your contributions to the pension scheme are tax-deductible up to certain maximum limits as pension expenses (single: € 26,528 / married couple € 53,056 if assessed together). The maximum amount of tax deductibility will continue to increase in the coming years. In order to secure your standard of living in old age and avoid gaps in pension provision, we recommend you to use the tax savings for additional voluntary contributions. This is attractive: top-up contributions as well as contributions to voluntary additional insurance are tax-deductible as pension expenses, too. You don’t have to commit yourself long term.You can stop the additional contribution payment at any time with effect for the future or change the amount.
It is the easiest way if you use the SEPA direct debit procedure. We will debit the contributions to be paid from your bank account in the second half of every month. Simply fill out and sign the form (download below) for issuing the SEPA direct debit mandate and return it to us.
- SEPA mandate as download (German)
If mandatory contributions are below the standard contribution, we recommend you to top up the contribution payment. Call us or send us an email, we will be happy to advise you.