{"id":5842,"date":"2026-09-11T10:16:07","date_gmt":"2026-09-11T08:16:07","guid":{"rendered":"https:\/\/ch.schubwerk.eu\/faq\/german-pension-system-and-taxation\/"},"modified":"2026-10-06T12:52:17","modified_gmt":"2026-10-06T10:52:17","slug":"el-sistema-de-pensiones-y-la-tributacion-en-alemania","status":"publish","type":"faq","link":"https:\/\/www.consultinghouse.eu\/es\/faq\/german-pension-system-and-taxation\/","title":{"rendered":"El sistema de pensiones y la tributaci\u00f3n en Alemania"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Esto tambi\u00e9n significa que todos los cr\u00e9ditos del plan de seguro para los cuales el empleado no haya pagado sus propias cotizaciones, por ejemplo, por per\u00edodos de crianza de hijos, desempleo o educaci\u00f3n escolar, se perder\u00e1n.<br><br>Un trabajador puede recibir un reembolso de sus aportaciones si deja el r\u00e9gimen de seguro obligatorio de la seguridad social de pensiones y ya no puede contratar un seguro voluntario.<br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sin seguro obligatorio<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Un empleado puede dejar el r\u00e9gimen de seguro obligatorio si ha dejado Alemania. Con el nuevo empleo en el nuevo pa\u00eds, ya no est\u00e1 sujeto al seguro obligatorio en el seguro de pensiones obligatorio de Alemania.<br><br><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.consultinghouse.eu\/wp-content\/uploads\/2026\/09\/CTA20Payroll20Solutions.png\" alt=\"CTA Payroll Solutions\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Seguro voluntario<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Si un empleado ya no est\u00e1 sujeto a la seguridad social obligatoria, se examina si puede contratar una seguridad social voluntaria. Si se le permite contratar una seguridad social voluntaria, la devoluci\u00f3n de las cotizaciones queda excluida.<br><br>Como alem\u00e1n, un trabajador siempre puede contratar un seguro voluntario, independientemente de d\u00f3nde se encuentre.<br><br>Como extranjero, un trabajador puede contratar un seguro voluntario en el r\u00e9gimen de pensiones obligatorio alem\u00e1n si vive en Alemania. Si vive fuera de Alemania, depende del lugar de residencia y de la nacionalidad. Se hace una distinci\u00f3n entre los estados del Espacio Econ\u00f3mico Europeo, los estados con los que Alemania ha celebrado un acuerdo de seguridad social y los llamados pa\u00edses extranjeros no contractuales.<br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Reembolso de cotizaciones o pensiones<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Si un empleado no est\u00e1 sujeto a la seguridad social obligatoria ni tiene derecho a la seguridad social voluntaria, puede solicitar el reembolso de las cotizaciones. Esto es posible incluso si se ha cumplido el per\u00edodo de cotizaci\u00f3n general de cinco a\u00f1os y, por lo tanto, existe derecho a una pensi\u00f3n de jubilaci\u00f3n est\u00e1ndar. Sin embargo, esta situaci\u00f3n suele darse \u00fanicamente en el caso de los extranjeros.<br>Antes de que las aportaciones del trabajador puedan ser reembolsadas, este deber\u00e1 cumplir un per\u00edodo de espera de 24 meses.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.consultinghouse.eu\/wp-content\/uploads\/2026\/09\/CTA20Payroll20Solutions.png\" alt=\"CTA Payroll Solutions\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>The refund of contributions &#8211; An overview<\/p>\n<p>Contributions to statutory pension insurance can be refunded for various reasons. With the refund of contributions, all claims to benefits from the statutory pension insurance expire.<\/p>","protected":false},"template":"","faq_category":[14],"class_list":["post-5842","faq","type-faq","status-publish","hentry","faq_category-employing-in-germany"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>German pension system and taxation - Consultinghouse<\/title>\n<meta name=\"description\" content=\"Explore German pension contribution refunds and the tax and entitlement considerations discussed in this FAQ.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.consultinghouse.eu\/es\/faq\/el-sistema-de-pensiones-y-la-tributacion-en-alemania\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"German pension system and taxation - 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