Pension reform 2026: Previously in retirement, but at higher costs!

Pension reform 2026: Previously in retirement, but at higher costs!

Austria's pension system is currently the focus of intensive political discussions. Various reforms are intended to secure the challenges of an aging society and the affiliation of the pensions in the long term. From 2026, nurses have the opportunity to retire earlier, while at the same time the conditions for the so -called corridor board are tightened. Health insurance contributions will increase from June 2025 and burden the financial means of pensioners.

The regular pension age remains for men at 65, while for women, pension age gradually increases from 61.5 years to 65 years by 2033. This applies in particular to women who were born from January 1, 1964. The increase has an impact on the following year of birth: by 1963 a retirement age of 60 years applies, while retirement age was determined to 65 years for years of birth.

premature pension options

The reforms also affect various early pension models. The corridor pension, which can currently be used from the age of 62 with 480 insurance months (40 years), changes from 2026: The starting age is increased to 63 years and the required insurance months to 504 (42 years). The monthly discounts are 0.425 %, which leads to an annual loss of 5.1 %.

Another option is the heavy work pension, which will also be opened for nursing professions from January 2026. Here is an inlet of 60 years, with 120 months of heavy work in the past 20 years and at least 540 insurance months (45 years). Discounts of 1.8 % per year must be observed.

The so -called hacker regulation enables a long -term insurance pension from the age of 62, which also requires 540 contribution months. This regulation takes into account working years and child -rearing times and results in annual discounts of 4.2 %.

financial effects and reform measures

From June 1, 2025, the health insurance contribution for retirementists increases from 5.1 % to 6 %, which means an annual loss of up to 200 euros for many seniors. In addition, an e-card fee of 25 euros will be charged from November 2026, with minimum pensioners excluding. The reforms aim to reduce pension expenses in the long term in order to meet the increasing number of pensioners, which could increase from currently around 2.5 million to 3.25 million by 2045.

The Federal Government also plans to introduce the partial board from January 1, 2026. This regulation enables employees to reduce their working hours after 42 years of insurance and at the same time obtain part of their pension. An example illustrates this: an employee with a gross income of 4,000 euros could come to a net content of 2,475 euros if the 50 % partial board is used.

The entire pension system is under pressure, especially in view of the falling number of young workers in relation to the pensioners. The federal government has to provide around 30 billion euros annually to finance the pensions, which is about 25 % of the total budget. Reforms are therefore essential to ensure the financial stability and future of the system.

For detailed information on the new pension regulations and their effects, the following links can be visited: Kosmo , Social Ministry href = "https://www.heute.at/s/jetzt-fix-so-- viel-laenger-muessen-wir-kuenftig-waben-120105811" today .