Deutsche Rentenversicherung Abteilung Rehabilitation of Berlin at REHACARE 2017 in Düsseldorf -- REHACARE Trade Fair

Deutsche Rentenversicherung Abteilung Rehabilitation

Hohenzollerndamm 47, 10713 Berlin
Germany

Telephone +49 30 865-0
Fax +49 30 86527240
drv@drv-bund.de

Hall map

REHACARE 2017 hall map (Hall 6): stand G04

Fairground map

REHACARE 2017 fairground map: Hall 6

Our range of products

Product categories

  • 12  Associations, organisations, nursing residents, services
  • 12.09  Rehabilitation and cure facilities
  • 12  Associations, organisations, nursing residents, services
  • 12.10  Rehabilitation funding agencies

Rehabilitation funding agencies

Our products

Product category: Rehabilitation and cure facilities

Rehabilitation and participation in working life


Rehabilitation rather than pension – it is under this principle that alongside our pension services we also provide medical rehabilitation services and services to encourage participation in working life. The object here is, where possible, to permanently overcome ill health or disabilities that have caused a reduction in earning capacity.Beneficiaries who are resident abroad can only receive rehabilitation services if they have paid a compulsory contribution to the German statutory pension insurance scheme in the month the application is made, or, in connection with this type of compulsory insurance, were incapable of employment in the month the application was made, such as cross-border commuters, for example.

Medical rehabilitation services are special in-patient or out-patient courses of therapy conducted in suitable rehabilitation clinics. On the other hand, there are services for participating in working life, such as retraining which is largely carried out in occupational rehabilitation centres and similar facilities. The object of these measures is to prevent your enforced premature exit from working life and to reintegrate you occupationally on a permanent basis, if possible. Rehabilitation services are primarily carried out in institutions in Germany.

You are only entitled to receive rehabilitation services if your earning capacity is significantly endangered because of ill health or disability, or is already significantly reduced. These services must be capable of restoring your earning capacity or significantly improving it or a substantial aggravation must be at least avoided.

Furthermore, to be entitled to this type of service you must have paid contributions for a certain period of time. Your insurance periods in other Member States can be taken into consideration along with your German insurance periods in order to fulfil these conditions.

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Product category: Rehabilitation funding agencies

Pensioners’ Health Insurance Fund

Conditions
This Pensioners’ health insurance fund (KVdR) is a compulsory insurance scheme. It provides health insurance cover for pensioners and claimants of a pension who were registered members of a statutory health insurance fund for a certain length of time (known as the standard qualifying period - Vorversicherungszeit).

As a rule, you have satisfied the standard qualifying period, if you were a member of a statutory health insurance fund or were covered by family insurance for at least nine tenths of the second half of your working life. In this regard it is irrelevant whether you were a voluntarily or a compulsory member of the fund. In case of survivors’ pensions, the standard insurance period may also be satisfied by the deceased.

Start of KVdR
As a rule, KVdR begins at the date you submit your pension claim. You can submit the pension claim in writing or make it by appearing in person at your pension insurance institution or another government office, such as the public insurance department or local government office.

No liability to KVdR
If for some other reason, based on employment for example, you are liable to pay compulsory health insurance contributions, there is no liability to KVdR during this period. It will only take effect as soon as this other compulsory health insurance ends.
KVdR does not take effect if you are exempt from making contributions to health care insurance for some other reason such as having civil servant status (Beamter), being a beneficiary of a superannuation for civil servants or because of an employment with a salary that is above the annual earnings threshold fixed by the statutory health insurance. KVdR will only come into effect when your exemption from paying health care insurance contributions comes to an end

Contributions to KVdR
Contributions to KVdR must be deducted from the pension. This also applies if the liability to pay compulsory health insurance contributions is established by other regulations (by reason of employment for example). If you have other income such as a superannuation or earnings from a self-employment, this income will also be subject to compulsory health insurance contributions. If you are receiving more than one pension from the statutory pension insurance system, such as an old-age pension and a widow’s or widower’s pension, all these pensions will be subject to compulsory health insurance contributions. In addition, pensions paid from abroad are subject to KVdR. If you are in receipt of a foreign pension, you must inform your health insurance fund to this regard.

Contribution amount
The pension insurance institution pays a supplement towards the health care insurance contributions, which are deducted from the pension. Until to 28.02.2015 the nation wide standardised contribution amount will be 15.5% and with effect from 01.03.2015 14.6 % of the pension amount. In addition, a possible extra premium may be charged by the different health insurance funds. Until 28.02.2015 the pensioners will pay 8.2% of the contributions to the health insurance fund and with effect from 01.03.2015 7.3 % in addition to a possible extra premium charged by the health insurance fund. The remaining contribution amount of 7.3% is paid by the pension insurance institution.

Supplement to the voluntary or private health insurance
If you are a pensioner not covered by compulsory health insurance, but are insured voluntarily in the statutory system or under a private plan, you are entitled upon application to receive a supplement from your pension insurance institution in respect of your health insurance contributions.

International facts
Pensioners in Germany
Pensioners who are in receipt of a German pension and reside in Germany are subject to the German legal regulations regarding health care and long-term care insurance.

German pensioners’ health insurance (KVdR) is a compulsory insurance scheme, but only if a standard qualifying period in the statutory health care insurance system has been completed.

Pensioners who are not covered by this compulsory insurance, may, however, upon application be eligible for a supplement towards their voluntary or private health care insurance provided this is subject to the control of the German supervisory authorities or the supervisory authorities of a Member State.

Pensioners resident abroad
Compulsory health care insurance

Pensioners who receive a German pension and who reside abroad are not, as a rule, obligated to make contributions to German health and long-term care insurance.
Exceptions exist with regard to the relations to those foreign states with which Germany has certain statutory health care insurance agreements established under international regulations. These international regulations include the European Law and the agreements concluded with Bosnia-Herzegovina, Kosovo, Macedonia, Montenegro, Serbia, Turkey, and Tunisia.
Persons who are subject to insurance in the German health care insurance system because they are in receipt of a German pension, and who relocate their place of residence to another Member State or one of the aforementioned Contracting States, remain insured with the particular German health care insurance fund. When resident in another Member State, the particular person also remains insured under the long-term care insurance. The pensioner will not receive any additional insurance cover in the new State of residence.
In such cases the pensioner will receive benefits from the health care system of his or her new State of residence, which are paid by the relevant German health insurance fund.
A condition of this is, however, that a pension is received only from the German pension insurance system and that there is no entitlement to any benefits in the new state of residence by reason of illness (through an employment, for example).

Important:
The decision as to whether a pensioner is liable to pay contributions to the German health and long-term care insurance funds will be taken by the relevant health/long-term care insurance fund. More information on compulsory health care insurance for pensioners and long-term care insurance can be found in “Meine Krankenversicherung bei Wohnort im Ausland” published by the German liaison office for health care insurance overseas.

Supplement towards a voluntary or private health care insurance fund
Persons resident abroad normally do not receive any supplement towards a voluntary or private health care insurance plan. There are also exceptions to this rule for the States with which Germany has international agreements. When resident in 

the Member States or
Australia, Bosnia-Herzegovina, Brasilia, Canada and Quebec, Chile, Israel, Japan, Macedonia, Kosovo, Montenegro, Morocco, the Republic of Korea, Serbia, Tunisia, Turkey, and the USA,
it is possible to make an application for Germans or citizens of that particular State to receive a supplement towards their voluntary or private health care insurance fund, provided the fund is subject to the control of the German supervisory authorities or the supervisory authorities of a Member State. Pensioners, whose pensions start after 30.4.2007 are not entitled to receive the supplement if they are liable to pay insurance contributions to a domestic or foreign statutory health care insurance fund.

Long-term care insurance for pensioners (PVdR – Pflegeversicherung der Rentner)
If the conditions for entitlement to KVdR are satisfied, there will also be an obligation to pay contributions to the long-term care insurance fund, even if KVdR is excluded on the grounds that you, as a pensioner, are a voluntary member of a statutory health care insurance fund. The deduction at source and payment of contributions to the long-term care insurance fund is regulated by the same principles as contributions made to health care insurance (KVdR). What differs is that, from 1.4.2004, contributions to the long-term care insurance must be paid in full from the pension by the pensioner. For long-term care insurance the contribution rate has been 2.05 % since 01.01.2013. For insured persons who have or had no children, a contribution surcharge of 0.25 % will be levied. The contribution rate then increases to 2.03 %. People under the age of 23 or who were born before 1 January 1940 are not subject to the payment of the surcharge. The 0.25 % contribution surcharge is not payable if you can prove parenthood to the pension insurance institution.

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Product category: Rehabilitation and cure facilities

Refund of contributions

What refunds of contributions are available?
The following types of refund of contributions may be made. Refund of contributions to insured persons, who

are not obligated to pay compulsory contributions and are not entitled to make voluntary contributions.
have reached pensionable age (currently 65 years old) and who have not completed the general qualifying period of 5 years.
Refund of contributions to widows, widowers or orphans, if

there is no entitlement to a survivor’s pension because the general qualifying period of 5 years has not been completed.
Submission of application
You must submit the appropriate application if you wish to have contributions refunded. Applications for refunds of contributions will apply to all contributions made and cannot be restricted to a specific period of time or to particular contributions.

What contributions will be refunded?
A refund of contributions is only possible for contributions paid

in the Federal territory for the time after June 20,1948
in Berlin (West) for the time after June 24,1948
in Saarland for the time after November 19,1947
in the acceding territory (following German Reunification) for the time after June 30,1990.
Compulsory and voluntary contributions will be repaid to half of the original amount, top-up insurance contributions will be repaid in full. Contributions paid to the miners’ pension insurance are refunded in the amount paid by the employee.

Refunds will not be made in respect of certain contributions, including the following,

contributions from which a standard benefit, such as rehabilitation, was approved,
contributions paid by the Federal Government in respect of persons undertaking military service or alternative civilian service,
contributions paid by the Federal Employment Agency during (a) period(s) of unemployment,
Refund of contributions upon relocating abroad
A refund of contributions, as a rule, cannot be made in favour of Germans because even when resident abroad they are entitled to arrange voluntary insurance provisions.

The implications for EU, EEA, Swiss nationals and nationals from Contracting States are regulated by the provisions of Community law or the regulations of the particular Agreement.

It is not possible to make refunds to nationals of other states who are domiciled in a EU Member State because by residing in the particular EU Member State they are entitled to make voluntary contributions to social insurance in Germany. In case of habitual residence abroad outside the EU these insured persons are in principle entitled to receive a refund of their contributions after the completion of a waiting period of 24 months following their departure from Germany.

Legal consequences
The refund of contributions extinguishes any erstwhile established rights, such as the right to a pension. You should therefore give careful thought to whether or not you wish to apply for a refund of those contributions.

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About us

Company details

Welcome to the internet offer of Deutsche Rentenversicherung in foreign languages. The following pages give you the most important information on pension and rehabilitation in seven different languages.

As prescribed by European Community Law, Deutsche Rentenversicherung is responsible for the coordination of activities with the pension insurance institutes of the Member States of the European Union (EU), the European Economic Area (EEA) and Switzerland. Deutsche Rentenversicherung also coordinates regulations agreed with pension insurance institutes in those States with which the Federal Republic of Germany has signed a Social Security Agreement (Contracting States).

Detailed information on international regulations and the effects these have on German law can be found in the International section. More information on pensions and rehabilitation can be found in the Services section.

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