Overview

• The Versorgungsamt sets the Grade of Disability in ten‑point steps, and a GdB of at least 50 counts as severe disability that must exist on the pension start date alongside 35 insurance years.
• For those born in 1964 or later, the pension is available without deductions at 65 or from 62 with permanent cuts of 0.3% per month up to 10.8%, which can be offset through voluntary compensatory payments.
• Since January 1, 2023, early old‑age pensions permit unlimited additional earnings, whereas earnings limits still apply to disability pensions based on reduced earning capacity.
• People with GdB 30 or 40 can apply for Gleichstellung to gain dismissal protection and workplace support, but it does not create entitlement to the special pension; tax allowances begin at GdB 20 with a minimum €384 Pauschbetrag.
• Applicants should file about three months before the planned start to secure up to three months of retroactive payment and provide current medical evidence, and those with limited work capacity may qualify for an earnings‑capacity pension regardless of GdB.