You can start in a new employment or work as a self-employed person while you draw an old-age pension. In that case, you will accrue new pension funds at a rate of 1.5 per cent of your new annual income until you reach the age when your insurance obligation ends.
If you work as a self-employed person while drawing an old-age pension, you take out voluntary pension insurance. You will accrue new pension funds based on your confirmed income from self-employment.
You have to apply for the new pension funds you have earned for work or self-employment in retirement. You will be paid out the new pension funds once you have reached the age when your insurance obligation ends. That age depends on when you were born.
|Age when your insurance obligation ends|
|Year you were born||Age when your insurance obligation ends|
|1957 or earlier||68|
If you want to work while drawing a disability pension, contact your pension provider to find out how much you can earn per month without it affecting your disability pension.
Even if your individual earnings limit were smaller, you can always earn at least 784.52 euros per month (in 2019).
If you are on a full disability pension, you can earn a maximum of 40% of what you earned before you retired on the disability pension. If you are drawing a partial disability pension, the earnings limit is 60% of your previous earnings.
If you earn above the limit, your pension may be interrupted or cancelled altogether. It may also be converted into a partial disability pension.
The new pension you accrue for the work you do while drawing a disability pension will be paid out when your disability pension becomes an old-age pension. That happens when you reach your retirement age. You have to apply for this new pension separately.
Take a break in the payment of your disability pension
You can leave your disability pension dormant, that is, take a break in its payment, while you work. The pension can be left dormant for at least three months and for no more than two years at a time.