What if…

When you go into retirement, you are entitled to the payment of your Fresenius Medical Care pension. You will receive payment from the Fresenius Medical Care Basic Plan from the age of 62 at the earliest if you have left Fresenius Medical Care at that time and are entitled to the state pension. You must apply for payment in good time before retirement. Please contact your Human Resources department directly.

You have the flexibility to request payment from direct insurance between the ages of 62 and 75. Please contact the Insurance department to clarify what payment date is suitable for you and which payment option you wish to choose.

The principle is simple: As long as you receive a Fresenius Medical Care salary, you will receive contributions to the Fresenius Medical Care Basic Plan and to direct insurance and will be able to make your own contributions from salary components. So long as you receive continued payment of salary in the event of illness, nothing changes.
In the event of illness without continued payment of salary, the Fresenius Medical Care Basic Plan contribution will be reduced proportionately.

The same applies to the basic amount in direct insurance. Under certain circumstances, Fresenius Medical Care supplementary contributions may be stopped entirely. You may not pay contributions to direct insurance from any sickness benefit that you receive from health insurance once salary payments cease. If your absence does not last a full year, you can cover the contribution gaps with other available salary components. You can also switch to paid-up mode for direct insurance or continue with private contributions. If you pay private contributions, the tax and social security benefits of the company pension scheme no longer apply. Feel free to contact the Insurance Department at an early stage so that we can examine your options.

If you die before retirement, your survivors receive the payments to which you would have been entitled as a pension at this point. In the Fresenius Medical Care Basic Plan, this survivor benefit is paid out as a lump sum. If you have chosen the survivor's option, your dependants receive additional benefits. In direct insurance, the payments are made as regular lifelong payments for adults, with a time limit applying for children.

The member(s) of your family entitled to these benefits is/are defined by law. In married couples, it is your spouse. The same applies to people in a registered civil partnership. If this does not apply to you, children for whom child benefit payments are made are entitled to benefits. If there are no eligible children, your partner can also be considered. However, this person must be named by you in advance.

If you opt to receive a lifelong pension, the pension guarantee periods are 21 years for benefits from the Fresenius Medical Care Basic Plan and 10 years for direct insurance. For the period after the start of the pension, your survivors will receive the outstanding amount as a lump sum or as a regular pension.

The member(s) of your family entitled to these benefits is/are defined by law. In married couples, it is your spouse. The same applies to people in a registered civil partnership. If this does not apply to you, children for whom child benefit payments are made are entitled to benefits. If there are no eligible children, your partner can also be considered. However, this person must be named by you in advance.

In the event of occupational incapacity, you will still receive the promised retirement benefits from the Fresenius Medical Care Basic Plan. Paid-up mode ensures that the regular retirement benefit is paid out when you retire even though no further premiums have been paid once you become unable for work. If you choose the income protection option, you are covered by an occupational incapacity pension equal to the guaranteed minimum retirement pension until you reach retirement age.

If the agreed premium payment cannot be maintained during a period of occupational incapacity, you can switch to paid-up mode for direct insurance. This means that no further contributions are paid, and the pension benefits accrued up to this point are paid out at retirement age. Alternatively, when you take out insurance, you can opt for additional coverage for exemption from premiums in the event of occupational incapacity. This ensures that the regular pension is paid out at retirement, even though no more contributions are paid.