1. Reform of the
pension rights adjustment
The pension
rights adjustment regulates the Verteilung of Pension
entitlements between spouses after a divorce. Pension
entitlements can arise, for example in the statutory
pension insurance, the Civil service pensions and by
internal or private retirement provision. If a marriage
fails, provides the pension rights adjustment the
divesture between the acquired claims of the spouses.
This provides also an independent coverage for
seniority and disability for the one spouse,
which for example has disclaimed the own employment
because of parenting.
a) Principle
of internal divesture
The effective
law by 01.09.2009 demanded an accounting of all in
marriage acquired claims from different supplies and an
adjustment of half of the difference in value oft the
statuory pension insurance. During the conversion of
various claims using the so-called Net Present value
regulation arose, however, consumption changes in value,
because the calculation was based on uncertain
porjections about the future performance of the
supplies. This led to unjustly divisional results and
transfer losses at the expense of balancing legitimate
spouses.
In future,
each built up in the marital support right in the
respective supply system itself is shared equally
between the spouses. Each spouse receives his own
"retirement account" in the relevant insurance system,
which is a seperate claim against the respective
insurance provider. This is the principle of "internalt
divesture". It replaces the principle of calculating all
entitlements and the one-time compensation beyond the
statuory pension insurance. In future, the claims from
the internal and private retirement provision can
already full and final be shared during the
divorce.Included are in the future also capital payments
of operating retirement provisions. Subsequent
compensation and amendment proceedings will be extensive
unnecessary.
For
example: M has acquired in the marriage first, a
retirement pension expectancy of 30 credit units in the
statuory pension insurance (corresponds at the moment 30 x
26,56 Euro = 796,80 Euro monthly). He also has built in
marriage an entitlement from a operating retirement
arrangement with a capital value of 30.000 Euro. By the
pension rights adjustment the wife receives 15 earnining
points in the statuory pension insurance; further towards
of the pension fund titled to a employee pension in value
of 15.000 Euro. The entitlements of the husband will be
accordingly reduced.
b)
Exceptionally external divesture
Deviant from the
principle of internal division exceptionally an
"external pitch" could be made when the balancing
creditor agrees. Also could be by smaller supplies
(values to be transmitted untill about 50 Euro as a
monthly pension amount, for certain employee pensions is
a higher threshold) the external divesture required by
the insurance provider side.
External
here means that the division is not with the respective
insurance provider from the obligation bringing into
hotchpot spouse, but external is effected by these
insurance provider intended to offset the amount of
capital from another pension provider pays.
The
compensation authorized person can decide if trough this
payment for an already for her excisting supply should
increased or a new supply should be provided
For
example:
If
the
employer from the Man want to indemnify the Man's wife ,
he could pay ,with her agreement, the for her owing
supply capital with 15.000 Euro from the pension fund
for example in a life insurance (Riester contract) for
her favor earmarked into the bank. Here, too, the
entitlement of the husband will be according reduced.
c)
Exclusion of pension rights adjustment
In certain cases
there is no longer held in a supply balance: Is it just
some small compensation values or result on both sides
at the same entitlements such high compensation values,
the family court should refrain from carrying out the
compensation. The threshold limit for both cases is
currently about 25 Euro as a monthly pension amount.
For
example: If the woman started shortly
before the divorce, to Save a Riester pension, and has
so created a capital cover of total 500 Euro durring the
marriage, the transfer of the pro-rata of 250 Euro would
be disclaimed.A balance also dont happens, when both
spouses have the same entitlements over nearly the same
high level of supplies, or about, if the man acquired
during the marriage, the statutory pension claims in the
amount of 200 Euro and the women's state pension
entitlements of 210 Euro monthly. Because this is only a
value difference of 5 Euro per monthly pension. Under
the previous law had a supply balance always needed to
be done, even with such small values.
Even at a
short marriage up in to three years (including year of
seperation) does a supply balance no longer have to
happen,unless one spouse applying explicitly for the
compensation of pension entitlements.
d)
More clearance for agreements
In the future,
for couples is more latitude given, to draw agreements
over the supply balance and control like that their
poperty matters according to their individual needs.
Agreements may
be easier to conclude in the future. In future agreements
over the supply balance in the marriage contract will not
be invalid if it is submitted within one year after the
conclusion of the divorce. If compensation agreements
concluded in the context of divorce, the previously
required permit is not required by the Family Court. But
the Family Court will check to protect their weaker
spouse, if the agreement of a content and a exercising
control withstands. |