Please note that occupational pension schemes are not only taxed in the benefit phase, but are also fully subject to statutory health and long-term care insurance contributions. This applies to both annuities and lump-sum payments. This also applies to benefits from contributions above the contribution assessment ceiling in the savings phase. Private health insurance avoids this problem.
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@user6690f4ba438a4f50 I have now learned what that means. Let me make a correction.
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@user6690f4ba438a4f50 The argument with the pKV is often mentioned. Formally it is true, but de facto you do pay the money, as you take over the employer's shares. It's just a different pot.
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@Epi as far as I know, the German pension insurance also pays a subsidy for private health insurance (instead of the previous employer) ... but can't speak from experience ... I'm a youngster 🙃
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@Epi That is not correct. If you are privately insured, you do not pay any contributions during the benefits phase.
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