Partial retirement

Partial retirement is a model that enables employees to reduce their working hours before they reach regular retirement age.

A flexible start to retirement

Partial retirement - what is it?

Partial retirement models offer the opportunity to gradually reduce working hours and organize the transition to retirement according to your own ideas.

Facts & Figures

0 % average reduction in income in the case of part-time retirement without cover

0 employees in Germany use partial retirement models every year

0 % of employees prefer more flexible transitional arrangements for retirement

Your advantages at a glance

Partial retirement makes it possible to organize the transition to retirement flexibly without having to fear financial losses.

Financial security

Income compensation for reduced working hours

Plan your retirement

Long-term planning and preparation for retirement

Retirement provision

Additional support for retirement provision

Support for older employees

Financial security for older employees during the transition phase

FAQ on partial retirement

We have summarized the most frequently asked questions about partial retirement for you in our FAQ. However, our experts will also be happy to provide you with individual advice.

Why is partial retirement important?

Partial retirement is important to financially secure the transition to retirement and maintain the standard of living.

How does partial retirement work?

The way it works can vary depending on the model. There are often state subsidies, company regulations or private insurance.

What models of partial retirement are there?

State subsidies,
company agreements and
private insurance

Who can take advantage of partial retirement?

All employees who have reached the appropriate age and wish to reduce their working hours

What requirements must be met?

The requirements depend on the respective model; often a minimum age and certain periods of employment are required.

How is partial retirement financed?

Funding is usually provided via the regular salary, state subsidies or company regulations.

How much financial support is available for partial retirement?

The support can vary depending on the model; it is often based on a percentage of the previous income.

Are there statutory regulations on partial retirement?

Yes, there are legal regulations in Germany that define and promote partial retirement models.

Is the financial support for partial retirement taxable?

Yes, as a rule the support is subject to income tax.

What happens if I retire early?

In the event of early retirement, the financial arrangements for partial retirement generally end.

Are there special models for certain occupational groups?

Yes, e.g. for nursing staff or teachers who require special regulations.

How do I find out whether my employer offers partial retirement?

The best place for employees to obtain information is from the HR department or the works council.

Employee benefits

The right employee benefits from a single source - our team of pension experts is on hand to help you find suitable benefits packages for your employees and your company that are precisely tailored to your individual needs.