Your pension at Fresenius Medical Care
Which rules apply to me? Find the information you need in just a few clicks.
Your starting date at Fresenius Medical Care
Were you 55 years of age or older when you joined us?
Your pension at Fresenius Medical Care
The results are based on the information you provide and offer a simplified overview of Fresenius Medical Care occupational pension schemes. Only the general works agreements valid for you and corresponding individual contractual regulations are legally binding.
Disclaimer/Privacy
What if...
As flexible as your life
Careers rarely follow a straight line. Here you can find out if and how a change of job, leave of absence or early retirement will affect your Company Pension.
What happens if...
Parental leave
Our Company Pension is family-friendly: Parental leave naturally counts in full as years of service. Parental leave is always based on the average level of employment at which you were working immediately before taking parental leave. If this was full-time, your parental leave will also count towards your Company Pension.
Part-time
Your average level of employment is calculated over your entire career. To calculate your pension, your part-time salary is first extrapolated to 100% and combined with the base amount to produce a 'full-time pension'. This is then multiplied by the average employment rate.
Early retirement
If you take early retirement before the statutory retirement age, your statutory pension will be reduced. This is not the case with the Company Pension: Once you reach the age of 63, you can draw your pension in full - regardless of your statutory retirement age.
Taking leave
Our Compensatory Time Account allows you to finance a longer period of leave, e.g., for a sabbatical. These leave periods also count towards your pension. If you use the long-term savings account immediately before you retire, your last gross monthly salary before your leave will be considered when calculating your pension entitlement.
Do I lose the pension entitlement if I leave the company before retirement age?
If you leave our Company before retirement, the determining factor is whether you have acquired a vested entitlement at that time. This is the case if you have been employed by the Company for at least three years and have reached the minimum age of 21. The statutory provisions apply. In this case, the benefits will be paid out as normal in the event of retirement, disability or death.
Calculation of the pension entitlement in the event of leaving FME before retirement
Fictive Company Pension
The first step is to calculate what you would have received if you had stayed with Fresenius Medical Care until age 63. If you joined our Company at the age of 30 and left 20 years later, then your entitlement would be EUR 433, assuming your pensionable salary was EUR 3,500 per month.
Years of service
Your actual length of service is then put into relation to the length of service you would have reached at age 63. In the example, this is 20 years that you have worked in our Company in relation to the 33 years that you would have reached on retirement at 63.
Reduction
Your fictive pension is then reduced by this factor. In the example, the factor (20/33) is multiplied by the achievable Company Pension (EUR 433). You will therefore receive EUR 262 when you retire - month for month.
In the event of insolvency
Your Company Pension is well protected, even in the event of Fresenius Medical Care's insolvency. In this case, the Pensions-Sicherungs-Verein Versicherungsverein auf Gegenseitigkeit (PSVaG) will step in and continue to pay all current and already vested pension entitlements.