Your contribution payments depend on whether you are in a private health insurance or are a member of a statutory health insurance company.

Statutory health insured members make mandatory contributions while receiving sickness benefits in the amount that would be payable to the statutory pension insurance. Your statutory health insurance pays a little more than half of this contribution, the so-called carrier portion. You must apply to your health insurance company to take over the carrier’s share. We would be happy to send you a membership certificate that you can present to your health insurance company. Just give us a call or send us an email.

Your health insurance company pays the carrier portion directly to our pension fund. In this case you have to pay the other partial amount to us. We will calculate the specific payment amount for you when your health insurance company notifies us of the necessary calculation bases.

Members with private health insurance receive a daily sickness allowance if you agreed to this in your private insurance contract. As a rule, private health insurances do not pay additional pension insurance contributions. Therefore, privately insured members pay the minimum contribution of 1/10 of the standard contribution. The standard contribution corresponds to the respective maximum contribution of the Deutsche Rentenversicherung (German pension insurance system).

If you do not want to pay any contribution, you may opt for exemption from membership in our pension fund. An application for exemption from membership has to be submitted in writing within 6 months after the end of the medical activity. The membership waiver cannot be revoked.

We generally recommend our members to continue their membership by paying their membership fees. Exemption from membership can lead to significant gaps in insurance coverage. Only members of the pension fund are granted the so-called “additional time” when drawing an occupational disability pension. It is significant for the amount of pension: As a member, you are in the same financial status as if you continued to pay contributions in the amount of your previous average from the time the benefit event occurred until you will reach the age of 60. The same applies to the event of your death to the calculation of the survivor’s pension.

Regardless of whether you have statutory or private health insurance: We recommend you to pay additional contributions to keep your pension entitlement stable. An increase is possible up to the amount of the regular contribution. The payment of small contributions always leads to a lower pension entitlement. An informal application is sufficient for the increase. It has to be filed at us not later than on the 15th day of the month for which the increased premium payment is being made. Please give us a call or send us an email. We would be happy to advise you.