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Austria
| Población total (m.): | 8.3 |
| PIB per cápita (USD): | 33'700 |
Old Age, Disability and Survivors
Regulatory Framework
First laws: 1906 (Law of December 16, on Pension Insurance for Employees in the Private Sector and in Some Public Services, RGBl. 1907, Nr. 1), implemented on January 1, 1909; and 1938 (German Reich Insurance Regulation of July 19, 1911, RGBl. S. 509/1911 with the Enactment Decree of December 22, 1938, DRGBl. I S. 1912, as announced for Austria in the Law Gazette Nr. 703/1938), implemented on January 1, 1939.
Current laws: 1955 (General Social Insurance Act, BGBl. I Nr. 189/1955), implemented on January 1, 1956, with 2008 and 2009 (BGBl. I Nr. 129/2008 and Nr. 135/2009 – ASVG; employees), amendments; 1978 (Federal Act Respecting the Social Insurance of Members of the Liberal Professions, BGBl. Nr. 560/1978), implemented on January 1, 1979, with 2008 and 2009 (BGBl. I Nr. 129/2008 and Nr. 135/2009 – GSVG; self-employed) amendments; 1978 (Farmers’ Social Insurance Act, BGBl. Nr. 559/1978), with 2008 AND 2009 (BGBl. I Nr. 129/2008 AND Nr. 135/2009 – BSVG; farmers) amendment; 1978 (Federal Law Respecting the Social Insurance of Self-employed Professional Persons, BGBl. Nr. 624/1978), with 2005 (BGBl. I Nr. 155/2005 – FSVG; professional persons) amendment; and 2004 (Pension Harmonization Law - General Pension Law of November 18, 2004, BGBl. I Nr. 142/2004 – APG; old-age, disability and survivor pensions), implemented on January 1, 2005 with 2009 (BGBl. I Nr. 83/2009) amendment.
Note: The 1955 General Social Security Act (ASVG) as well as the acts respecting the special systems (GSVG, BSVG and FSVG) apply to insured persons aged 50 or older on January 1, 2005 (born before January 1, 1955). The 2004 Pension Harmonization Law including the General Pension Law (Allgemeines Pensionsgesetz - APG) applies to insured persons younger than age 50 on January 1, 2005 (born after December 31, 1954). Under this new general pension insurance system, all special systems of the GSVG, BSVG (farmers), FSVG (professional persons) as well as B-KUVG (federal civil servants) were harmonized. In addition, the APG covers the corridor pension and early pension for workers in physically demanding jobs which are also available to persons, born before January 1, 1955. New rules applying to insured persons covered by the new General Pension Law (APG) in effect since January 1, 2005, will be introduced. Transitional provisions will be introduced with special rules.
Type of program: Social insurance system.
Current laws: 1955 (General Social Insurance Act, BGBl. I Nr. 189/1955), implemented on January 1, 1956, with 2008 and 2009 (BGBl. I Nr. 129/2008 and Nr. 135/2009 – ASVG; employees), amendments; 1978 (Federal Act Respecting the Social Insurance of Members of the Liberal Professions, BGBl. Nr. 560/1978), implemented on January 1, 1979, with 2008 and 2009 (BGBl. I Nr. 129/2008 and Nr. 135/2009 – GSVG; self-employed) amendments; 1978 (Farmers’ Social Insurance Act, BGBl. Nr. 559/1978), with 2008 AND 2009 (BGBl. I Nr. 129/2008 AND Nr. 135/2009 – BSVG; farmers) amendment; 1978 (Federal Law Respecting the Social Insurance of Self-employed Professional Persons, BGBl. Nr. 624/1978), with 2005 (BGBl. I Nr. 155/2005 – FSVG; professional persons) amendment; and 2004 (Pension Harmonization Law - General Pension Law of November 18, 2004, BGBl. I Nr. 142/2004 – APG; old-age, disability and survivor pensions), implemented on January 1, 2005 with 2009 (BGBl. I Nr. 83/2009) amendment.
Note: The 1955 General Social Security Act (ASVG) as well as the acts respecting the special systems (GSVG, BSVG and FSVG) apply to insured persons aged 50 or older on January 1, 2005 (born before January 1, 1955). The 2004 Pension Harmonization Law including the General Pension Law (Allgemeines Pensionsgesetz - APG) applies to insured persons younger than age 50 on January 1, 2005 (born after December 31, 1954). Under this new general pension insurance system, all special systems of the GSVG, BSVG (farmers), FSVG (professional persons) as well as B-KUVG (federal civil servants) were harmonized. In addition, the APG covers the corridor pension and early pension for workers in physically demanding jobs which are also available to persons, born before January 1, 1955. New rules applying to insured persons covered by the new General Pension Law (APG) in effect since January 1, 2005, will be introduced. Transitional provisions will be introduced with special rules.
Type of program: Social insurance system.
Coverage
Wage earners and salaried employees earning €366.33 or more a month and apprentices.
Special systems for miners; notaries; public-sector employees; and self-employed persons, including those in trade and agriculture.
Special systems for miners; notaries; public-sector employees; and self-employed persons, including those in trade and agriculture.
Source of funds
Insured person: 10.25% of covered earnings.
The maximum monthly earnings for contribution calculation purposes are €4,110.
Self-employed person: Contributions vary between 16.25% and 20% of covered earnings, according to profession; farmers contribute 15% of earnings.
The maximum monthly earnings for contribution calculation purposes are €4,795.
Employer: 12.55% of covered payroll.
The maximum monthly earnings for contribution calculation purposes are €4,110.
Government: A subsidy and the cost of the care benefit and income-tested allowance.
The maximum monthly earnings for contribution calculation purposes are €4,110.
Self-employed person: Contributions vary between 16.25% and 20% of covered earnings, according to profession; farmers contribute 15% of earnings.
The maximum monthly earnings for contribution calculation purposes are €4,795.
Employer: 12.55% of covered payroll.
The maximum monthly earnings for contribution calculation purposes are €4,110.
Government: A subsidy and the cost of the care benefit and income-tested allowance.
Qualifying conditions
Old-age pension: Age 65 (men) or age 60 (women) with at least 180 months of coverage in the last 30 years, a total of at least 300 months of coverage, or 180 months of contributions.
Early pension: Age 62 (men) or age 57.5 (women). (The early pensionable age is gradually increasing by 1 month per quarter to reach age 65 (men) or age 60 (women) by 2017.) The insured must have from 420 to 450 months of coverage and monthly earnings of up to €366,33.
Early pension for workers in physically demanding jobs: Age 60 with at least 540 months of coverage, of which 120 months are based on employment in physically demanding jobs in the last 240 months and with monthly earnings no greater than €366.33. (The early pension for women in physically demanding jobs is effective 2024. Until then, women can claim the statutory old-age pension at age 60.)
Early pension for the long-term insured: Age 60 (men born before December 31, 1950) with at least 45 years of contributions or age 55 (women born before December 31, 1955) with at least 40 years of contributions. Age limits increase for men and women born after these dates.
Corridor pension: Age 62 (men and women) with at least 450 months of coverage and with monthly earnings up to €366.33. (The corridor pension for women is effective 2028. Until then, women can claim the statutory old-age pension at age 60.)
Child's supplement: Paid for each child younger than age 18 (age 27 if a student or in training, no limit if disabled).
Income-tested allowance: Paid for low-income pensioners.
Care benefit (old-age): Paid to old-age pensioners who require personal care.
Benefits are payable abroad (a reciprocal agreement may be required if the benefit is paid abroad for a period longer than 2 months).
Disability pension: Paid for an assessed loss of more than 50% of earning capacity. The insured must have at least 60 months of contributions (plus 1 month for each month from age 50) in the last 10 years (plus 2 months for each month from age 50), 300 months of coverage, or a total of 180 months of contributions. The qualifying conditions are less strict for persons aged 57 or older.
Reduced pension: The full pension is reduced if monthly earnings exceed €1,037.20.
Child's supplement: Paid for each child younger than age 18 (age 27 if a student or in training, no limit if disabled).
Income-tested allowance: Paid for low-income pensioners.
Care benefit (disability): Paid to disability pensioners who require personal care.
Survivor pension: The deceased met the coverage or contribution requirements for a disability pension or was a pensioner at the time of death.
Income-tested allowance: Paid for low-income survivors.
Care benefit (survivors): Paid to pensioners who require personal care.
Early pension: Age 62 (men) or age 57.5 (women). (The early pensionable age is gradually increasing by 1 month per quarter to reach age 65 (men) or age 60 (women) by 2017.) The insured must have from 420 to 450 months of coverage and monthly earnings of up to €366,33.
Early pension for workers in physically demanding jobs: Age 60 with at least 540 months of coverage, of which 120 months are based on employment in physically demanding jobs in the last 240 months and with monthly earnings no greater than €366.33. (The early pension for women in physically demanding jobs is effective 2024. Until then, women can claim the statutory old-age pension at age 60.)
Early pension for the long-term insured: Age 60 (men born before December 31, 1950) with at least 45 years of contributions or age 55 (women born before December 31, 1955) with at least 40 years of contributions. Age limits increase for men and women born after these dates.
Corridor pension: Age 62 (men and women) with at least 450 months of coverage and with monthly earnings up to €366.33. (The corridor pension for women is effective 2028. Until then, women can claim the statutory old-age pension at age 60.)
Child's supplement: Paid for each child younger than age 18 (age 27 if a student or in training, no limit if disabled).
Income-tested allowance: Paid for low-income pensioners.
Care benefit (old-age): Paid to old-age pensioners who require personal care.
Benefits are payable abroad (a reciprocal agreement may be required if the benefit is paid abroad for a period longer than 2 months).
Disability pension: Paid for an assessed loss of more than 50% of earning capacity. The insured must have at least 60 months of contributions (plus 1 month for each month from age 50) in the last 10 years (plus 2 months for each month from age 50), 300 months of coverage, or a total of 180 months of contributions. The qualifying conditions are less strict for persons aged 57 or older.
Reduced pension: The full pension is reduced if monthly earnings exceed €1,037.20.
Child's supplement: Paid for each child younger than age 18 (age 27 if a student or in training, no limit if disabled).
Income-tested allowance: Paid for low-income pensioners.
Care benefit (disability): Paid to disability pensioners who require personal care.
Survivor pension: The deceased met the coverage or contribution requirements for a disability pension or was a pensioner at the time of death.
Income-tested allowance: Paid for low-income survivors.
Care benefit (survivors): Paid to pensioners who require personal care.
Cash benefits for insured workers (except permanent disability)
Old-age pension: The pension is calculated as 1.78% of the assessment base for each year of coverage.
The assessment base is the adjusted average earnings in the best 22 years, up to €3,533.09 a year. (The assessment period is increasing gradually by 12 months a year until it reaches 40 years in 2028.)
For insured persons born after January 1, 1955, with coverage only after January 1, 2005, the pension is calculated as 1.78% of the sum of contributions for each calendar year plus the sum of the adjusted annual contributions of all years of contributions divided by 14.
For insured persons born after January 1, 1955, with periods of coverage before and after January 1, 2005, the pension is based on the insured's total coverage period before and after the 2004 law.
Early pension: The benefit is reduced by 4.2% for each year it is received before age 65 (men) or age 60 (women), up to 15%. Special conditions apply for the long-term insured, workers in physically demanding jobs, and those who qualify for a corridor pension.
Child's supplement: €29.07 is paid for each eligible child.
Income-tested allowance: An amount is paid to increase the pension for one person to €783.99 a month; to €1,175.45 for a married couple; plus €82.16 for each child for whom a child's supplement is paid.
Schedule of payments: Fourteen payments a year.
Benefit adjustment: Benefits are adjusted annually
Care benefit: €154.20 to €1,655.80 is paid, depending on the amount of care required. The benefit is paid 12 times a year.
The assessment base is the adjusted average earnings in the best 22 years, up to €3,533.09 a year. (The assessment period is increasing gradually by 12 months a year until it reaches 40 years in 2028.)
For insured persons born after January 1, 1955, with coverage only after January 1, 2005, the pension is calculated as 1.78% of the sum of contributions for each calendar year plus the sum of the adjusted annual contributions of all years of contributions divided by 14.
For insured persons born after January 1, 1955, with periods of coverage before and after January 1, 2005, the pension is based on the insured's total coverage period before and after the 2004 law.
Early pension: The benefit is reduced by 4.2% for each year it is received before age 65 (men) or age 60 (women), up to 15%. Special conditions apply for the long-term insured, workers in physically demanding jobs, and those who qualify for a corridor pension.
Child's supplement: €29.07 is paid for each eligible child.
Income-tested allowance: An amount is paid to increase the pension for one person to €783.99 a month; to €1,175.45 for a married couple; plus €82.16 for each child for whom a child's supplement is paid.
Schedule of payments: Fourteen payments a year.
Benefit adjustment: Benefits are adjusted annually
Care benefit: €154.20 to €1,655.80 is paid, depending on the amount of care required. The benefit is paid 12 times a year.
Permanent disability benefits for insured workers
Disability pension: The pension is calculated as 1.78% of the assessment base for each year of coverage.
If the insured is younger than age 60, the coverage period is projected to age 60 for benefit calculation purposes.
The assessment base is the adjusted average earnings in the best 22 years, up to €3,533.09 a year. (The assessment period is increasing gradually by 12 months a year until it reaches 40 years in 2028.)
The maximum pension is 60% of the assessment base.
Reduced pension: The full pension may be reduced up to 50% for monthly earnings above €1,037.20.
Child's supplement: €29.07 is paid for each child younger than age 18 (age 27 if a student or in training, no limit if disabled).
Income-tested allowance: An amount is paid to increase the pension for one person to €783.99 a month; to €1,175.45 for a married couple; plus €82.16 for each child for whom a child's supplement is paid.
Schedule of payments: Fourteen payments a year.
Benefit adjustment: Benefits are adjusted annually.
Care benefit: €154.20 to €1,655.80 is paid, depending on the amount of care required. The benefit is paid 12 times a year.
If the insured is younger than age 60, the coverage period is projected to age 60 for benefit calculation purposes.
The assessment base is the adjusted average earnings in the best 22 years, up to €3,533.09 a year. (The assessment period is increasing gradually by 12 months a year until it reaches 40 years in 2028.)
The maximum pension is 60% of the assessment base.
Reduced pension: The full pension may be reduced up to 50% for monthly earnings above €1,037.20.
Child's supplement: €29.07 is paid for each child younger than age 18 (age 27 if a student or in training, no limit if disabled).
Income-tested allowance: An amount is paid to increase the pension for one person to €783.99 a month; to €1,175.45 for a married couple; plus €82.16 for each child for whom a child's supplement is paid.
Schedule of payments: Fourteen payments a year.
Benefit adjustment: Benefits are adjusted annually.
Care benefit: €154.20 to €1,655.80 is paid, depending on the amount of care required. The benefit is paid 12 times a year.
Survivors benefits for dependents
Survivor pension: A widow(er) receives up to 60% of the deceased's pension.
Income-tested allowance: An allowance is paid to increase the survivor pension to €783.99 a month.
Orphan's pension: Each orphan younger than age 18 (age 27 if a student or in training, no limit if disabled) receives 40% of the survivor pension; 60% for a full orphan.
Income-tested allowance: An allowance is paid to increase the orphan's pension to €288.36 a month (€432.97 for a full orphan); after age 24, the allowance increases the orphan's pension to €512.41 a month (€783.99 for a full orphan).
Schedule of payments: Fourteen payments a year.
Benefit adjustment: Benefits are adjusted annually.
Care benefit: €154.20 to €1,655.80 is paid, depending on the amount of care required. The benefit is paid 12 times a year.
Income-tested allowance: An allowance is paid to increase the survivor pension to €783.99 a month.
Orphan's pension: Each orphan younger than age 18 (age 27 if a student or in training, no limit if disabled) receives 40% of the survivor pension; 60% for a full orphan.
Income-tested allowance: An allowance is paid to increase the orphan's pension to €288.36 a month (€432.97 for a full orphan); after age 24, the allowance increases the orphan's pension to €512.41 a month (€783.99 for a full orphan).
Schedule of payments: Fourteen payments a year.
Benefit adjustment: Benefits are adjusted annually.
Care benefit: €154.20 to €1,655.80 is paid, depending on the amount of care required. The benefit is paid 12 times a year.
Administrative organization
Federal Ministry for Labor, Social Affairs and Consumer Protection (http://www.bmask.gv.at), the Federal Ministry for Health, Family, and Youth (http://www.bmgfj.gv.at), and the Federal Ministry of Finance (http://www.bmf.gv.at) provide general supervision.
Federal Ministry of Labor, Social Affairs and Consumer Protection
Stubenring 1,
AT-1010 Vienna,
Austria
Tel.: +(43) 1 711 00 0
Fax: +(43) 1 715 82 56
Federal Ministry of Health
Radetzkystraße 2,
AT-1030 Vienna,
Austria
Tel.: +(43) 1 711 00 0
Fax: +(43) 1 711 00/ 14300
Federal Minstry of Finance
Himmelpfortg. 4-8,
AT-1010 Vienna,
Austria
Tel.: +(43) 1 514 33 0
Fax: +(43) 1 512 78 69
Comprising self-governing pension institutions composed of elected representatives of insured persons and employers, the Federation of Austrian Social Insurance Institutions (http://www.sozialversicherung.at) coordinates the program.
Federation of Austrian Social Insurance Institutions
Kundmanngasse 21,
Postfach 600,
AT-1031 Vienna,
Austria
Tel.: +(43) 01 711 32
Fax: +(43) 01 711 32 3777
Pension Insurance Institution (http://www.pensionsversicherung.at) administers 85% of all pensions. Separate institutions operate for railroad employees, mining employees, and self-employed persons.
Pension Insurance Institution
Friedrich-Hillegeist-Straße 1,
AT-1021 Vienna,
Austria
Tel.: +(43) 503 03
Fax: +(43) 503 03 288 50
Sickness funds collect contributions and transfer them to pension insurance institutions and maintain contribution records for individual workers. The pension insurance institutions of self-employed persons collect contributions directly from the insured.
Federal Ministry of Labor, Social Affairs and Consumer Protection
Stubenring 1,
AT-1010 Vienna,
Austria
Tel.: +(43) 1 711 00 0
Fax: +(43) 1 715 82 56
Federal Ministry of Health
Radetzkystraße 2,
AT-1030 Vienna,
Austria
Tel.: +(43) 1 711 00 0
Fax: +(43) 1 711 00/ 14300
Federal Minstry of Finance
Himmelpfortg. 4-8,
AT-1010 Vienna,
Austria
Tel.: +(43) 1 514 33 0
Fax: +(43) 1 512 78 69
Comprising self-governing pension institutions composed of elected representatives of insured persons and employers, the Federation of Austrian Social Insurance Institutions (http://www.sozialversicherung.at) coordinates the program.
Federation of Austrian Social Insurance Institutions
Kundmanngasse 21,
Postfach 600,
AT-1031 Vienna,
Austria
Tel.: +(43) 01 711 32
Fax: +(43) 01 711 32 3777
Pension Insurance Institution (http://www.pensionsversicherung.at) administers 85% of all pensions. Separate institutions operate for railroad employees, mining employees, and self-employed persons.
Pension Insurance Institution
Friedrich-Hillegeist-Straße 1,
AT-1021 Vienna,
Austria
Tel.: +(43) 503 03
Fax: +(43) 503 03 288 50
Sickness funds collect contributions and transfer them to pension insurance institutions and maintain contribution records for individual workers. The pension insurance institutions of self-employed persons collect contributions directly from the insured.
Última Respuesta a la Encuesta: 01 enero 2010
Última Actualización Efectuada por la AISS: 01 enero 2010
Tipo de cambio: US$1.00 equals 0.70 euros (€).