English Summary
Reliable structure
Altogether the professional pension schemes of the liberal professional had in 2018 about 1 Mio. members with pension rights and paid pensions for about 265.196 persons. The average old-age-pension in 2018 was 2.122,71 € per month and the average invalidity pension 1.774,95 €.
The professional pension schemes of the liberal professions provide their members with pensions for invalidity and for old-age when reaching the age of 67. Receiving pensions earlier or later ist possible. Furthermore there are pensions for survivors (widow, widower, orphans); as well as supporting payments for medical rehabilitation. Members or their survivors have a right on the pension benefits.
A speciality of the professional pension schemes of the liberal profession is that concerning the provision for cases of invalidity there is no health check and furthermore there is, if any, only a very short qualifying period to be able to receive benefits. The invalidity would have been till the age of 60 sometimes even 67. By this method of calculation it is intended that even with a short time of payment of contributions there will be a pension that is high enough to keep up with the reached living standard.