Mister jeg mine pensionsindbetalinger, når jeg flytter til et andet EU-land? At navigere i det europæiske landskab som udstationeret eller pensionist

Mitigating The Fear Of “Wasted” Pension Contributions

Expatax.it er dedikeret til at gøre skat mere forståeligt for expats og pensionister, især når de navigerer gennem forskellige europæiske lande. Vores mål med denne artikel, ligesom andre på vores hjemmeside, er at forenkle kompleksiteten omkring pensionsbidrag og pensionsrettigheder på tværs af EU. Husk, ud over de detaljer, der diskuteres i denne artikel, you can also utilise our “TAX AI” at the bottom of the page hvis du har yderligere spørgsmål.

Akkumulerende pensionsbidrag i hele EU

Et unikt aspekt ved EU's pensionspolitik er, at expats can accrue pension rights in each EU country they’ve worked in. This means that upon reaching the retirement age, individuals can receive pensions from multiple countries. So, in a very real sense, contributions aren’t “wasted” when an expat works a few years in one country, then in another, then in another still. However, the process, timing and forms for claiming these pensions can vary from country to country. It’s recommended to contact the pension authority if you haven’t received an application form as you approach retirement age.

Afgørende dokumentation og variationen i pensionsalder

De typer af dokumenter, der kræves i forbindelse med pensionsansøgninger, varierer fra land til land. Almindelige formularer omfatter typisk identifikation og bankoplysninger. Desuden varierer den alder, hvor du lovligt kan gå på pension og gøre krav på din pension, også på tværs af EU. Som følge heraf kan tidspunktet for modtagelse af pension fra forskellige lande påvirke de samlede beløb, der tildeles.

Optjeningsperioder og pensionsberegninger

Every EU country has a minimum period of work that entitles an individual to a pension. These periods are accumulated across different EU countries based on the “principle of aggregation of periods”. Pension authorities calculate the pensions using ‘EU-equivalent rate’ and ‘the national rate’, with the higher amount between the ‘pro-rata benefit’ and the ‘independent benefit’ being granted.

Through a rather complex calculation – du anmoder om det gratis fra pensionsmyndigheden i det EU-land, hvor du bor i øjeblikket, which in the case of Italy is INPS – all these contribution periods are added up together. Note that, when retirement ages differ in the various countries where you’ve accrued contributions, each “portion” of your pension would start to be paid out to you when you reach retirement age in that specific country. This means that, i et par år kan du modtage mindre end din endelige fulde pension.

Pensionsudbetalinger og særlige omstændigheder

Typically, the pension amount is deposited into a bank account in the individual’s country of residence within the EU. Those residing outside the EU might need to have bank accounts in the respective countries paying their pension. Furthermore, for invalidity pensions and survivors’ pensions, each EU country may insist on conducting separate examinations and arriving at differing conclusions. Since some countries do not offer survivors’ pensions, it’s prudent to verify their existence in the country where the expat works.

Kilder

Vejledning om statslige pensioner i udlandet (EU-Kommissionen)

FAQ (EU-Kommissionen)