{"id":1843,"date":"2025-01-13T07:33:29","date_gmt":"2025-01-13T07:33:29","guid":{"rendered":"https:\/\/blog.opk.care\/?p=1843"},"modified":"2026-04-12T07:08:12","modified_gmt":"2026-04-12T07:08:12","slug":"emerytura-w-niemczech-dla-osob-starszych-podstawowe-informacje","status":"publish","type":"post","link":"https:\/\/blog.opk.care\/?p=1843","title":{"rendered":"Emerytura w Niemczech dla os\u00f3b starszych \u2013 podstawowe informacje"},"content":{"rendered":"<h2>System emerytalny w Niemczech:<\/h4>\n<p>System emerytalny w Niemczech opiera si\u0119 g\u0142\u00f3wnie na ubezpieczeniach obowi\u0105zkowych, kt\u00f3re dotycz\u0105 wi\u0119kszo\u015bci pracownik\u00f3w. Sk\u0142adki s\u0105 potr\u0105cane z wynagrodzenia i finansowane r\u00f3wnie\u017c przez pracodawc\u0119. D\u0142ugoletni wk\u0142ad do systemu jest kluczowy dla otrzymania \u015bwiadcze\u0144.<\/p>\n<h2>Minimalny okres ubezpieczenia<\/h2>\n<p>Aby otrzyma\u0107 emerytur\u0119 w Niemczech, nale\u017cy spe\u0142ni\u0107 warunek minimalnego okresu ubezpieczenia (\u201cWartezeit\u201d), kt\u00f3ry wynosi 5 lat. Dotyczy to zar\u00f3wno obywateli Niemiec, jak i pracownik\u00f3w zagranicznych.<\/p>\n<h2>Wiek emerytalny<\/h2>\n<p>Od 2023 roku wiek emerytalny wynosi 67 lat. Istnieje mo\u017cliwo\u015b\u0107 wcze\u015bniejszego przej\u015bcia na emerytur\u0119, ale wi\u0105\u017ce si\u0119 to z obni\u017ceniem wysoko\u015bci \u015bwiadcze\u0144.<\/p>\n<h2>Rodzaje \u015bwiadcze\u0144<\/h2>\n<ul>\n<li>Emerytura podstawowa (gesetzliche Rente) \u2013 oparta na sk\u0142adkach.<\/li>\n<li>Emerytura prywatna (private Altersvorsorge) \u2013 dobrowolne ubezpieczenie.<\/li>\n<li>Emerytura zawodowa (betriebliche Altersvorsorge) \u2013 finansowana przez pracodawc\u0119.<\/li>\n<\/ul>\n<h2>Czy Polacy mog\u0105 otrzyma\u0107 niemieck\u0105 emerytur\u0119?<\/h2>\n<p>Tak, osoby pracuj\u0105ce legalnie w Niemczech i op\u0142acaj\u0105ce sk\u0142adki s\u0105 uprawnione do otrzymania \u015bwiadcze\u0144. Licz\u0105 si\u0119 r\u00f3wnie\u017c lata pracy w Polsce, zgodnie z unijn\u0105 zasad\u0105 sumowania okres\u00f3w ubezpieczenia.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>System emerytalny w Niemczech: System emerytalny w Niemczech opiera si\u0119 g\u0142\u00f3wnie na ubezpieczeniach obowi\u0105zkowych, kt\u00f3re dotycz\u0105 wi\u0119kszo\u015bci pracownik\u00f3w&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":1844,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[78],"tags":[64,48,50,56,61,60,63,42,41,62,59,29,45,55,46,38,58,35,57,33,25,26,34,54,37],"class_list":["post-1843","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-pl","tag-care","tag-dom-opieki","tag-dom-pomocy-spolecznej","tag-dom-seniora","tag-domy-opieki","tag-domy-pomocy-spolecznej","tag-domy-seniora","tag-dps-2","tag-emeryt-2","tag-mieszkanie-senioralne","tag-niepelnosprawni-3","tag-opieka-2","tag-opieka-dla-seniora","tag-opieka-profesjonalna","tag-opieka-senioralna","tag-opiekunowie-2","tag-opk-care","tag-pomoc-2","tag-pomoc-spoleczna-2","tag-rehabilitacja-2","tag-sanatorium-2","tag-senior-2","tag-terapia-2","tag-wakacje-seniora","tag-zdrowie-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - 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