Befreiung Rentenversicherung Ärzte und Ärztinnen

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1. Befreiung von der Deutschen Rentenversicherung für Mitglieder berufsständischer Einrichtungen

[/fusion_title][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“center“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ link=“#03″ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ margin_bottom_medium=“10px“ margin_bottom_small=“10px“ margin_top=“5px“ margin_bottom=“5px“ padding_top_medium=“15px“ padding_right_medium=“15px“ padding_top=“10px“ padding_right=“15px“ padding_bottom=“1px“ padding_left=“30px“ hover_type=“none“ border_style=“solid“ border_radius_top_left=“10px“ border_radius_top_right=“10px“ border_radius_bottom_right=“10px“ border_radius_bottom_left=“10px“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=“#f9fafb“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ filter_type=“hover“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“96″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ animation_direction=“left“ animation_speed=“0.3″ last=“true“ border_position=“all“ first=“true“ min_height=““][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“p“ fusion_font_family_title_font=“Manrope“ fusion_font_variant_title_font=“400″ font_size=“16px“ letter_spacing=“0.002em“ text_color=“#000000″ text_shadow=“no“ text_shadow_blur=“0″ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″]3. Fallstricke – darauf solltest du achten![/fusion_title][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“center“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ link=“#05″ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ margin_bottom_medium=“10px“ margin_bottom_small=“10px“ margin_top=“5px“ margin_bottom=“5px“ padding_top_medium=“15px“ padding_right_medium=“15px“ padding_top=“10px“ padding_right=“15px“ padding_bottom=“1px“ padding_left=“30px“ hover_type=“none“ border_style=“solid“ border_radius_top_left=“10px“ border_radius_top_right=“10px“ border_radius_bottom_right=“10px“ border_radius_bottom_left=“10px“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=“#f9fafb“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ filter_type=“hover“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“96″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ animation_direction=“left“ animation_speed=“0.3″ last=“true“ border_position=“all“ first=“true“ min_height=““][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“p“ fusion_font_family_title_font=“Manrope“ fusion_font_variant_title_font=“400″ font_size=“16px“ letter_spacing=“0.002em“ text_color=“#000000″ text_shadow=“no“ text_shadow_blur=“0″ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″]4. Altersvorsorge Ärzte – Vergleich zur gesetzlichen Rentenversicherung[/fusion_title][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“center“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ link=“#06″ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ margin_bottom_medium=“10px“ margin_bottom_small=“10px“ margin_top=“5px“ margin_bottom=“5px“ padding_top_medium=“15px“ padding_right_medium=“15px“ padding_top=“10px“ padding_right=“15px“ padding_bottom=“1px“ padding_left=“30px“ hover_type=“none“ border_style=“solid“ border_radius_top_left=“10px“ border_radius_top_right=“10px“ border_radius_bottom_right=“10px“ border_radius_bottom_left=“10px“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=“#f9fafb“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ filter_type=“hover“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“96″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ animation_direction=“left“ animation_speed=“0.3″ last=“true“ border_position=“all“ first=“true“ min_height=““][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“p“ fusion_font_family_title_font=“Manrope“ fusion_font_variant_title_font=“400″ font_size=“16px“ letter_spacing=“0.002em“ text_color=“#000000″ text_shadow=“no“ text_shadow_blur=“0″ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″]5. Rentenlücke! – Was ist die Beitragsbemessungsgrenze?[/fusion_title][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=“1. 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title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“2″ font_size=“26px“ line_height=“34px“ text_color=“#d5a56e“ text_shadow=“no“ text_shadow_blur=“0″ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″]1. Befreiung von der Deutschen Rentenversicherung für Mitglieder berufsständischer Einrichtungen[/fusion_title][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“300″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Die Befreiung von der Deutschen Rentenversicherung (DRV) ist ein wichtiges Thema für Fachkräfte in berufsständischen Einrichtungen wie Ärzten, Anwälten oder Architekten. Diese Gruppen können sich von der Rentenversicherungspflicht befreien lassen, um stattdessen in ihre berufsständische Versorgung einzuzahlen. In diesem Blogbeitrag gehen wir auf die Hintergründe, Voraussetzungen und Vorteile der Befreiung ein und erläutern, was beachtet werden muss.

[/fusion_text][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“3″ font_size=“21px“ text_color=“#066063″ text_shadow=“no“ text_shadow_blur=“0″ margin_top_small=“40px“ margin_top=“30″ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″]Wer kann sich befreien lassen? [/fusion_title][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“300″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Zu den relevanten Berufsgruppen gehören:

• Ärzte, Zahnärzte und Tierärzte

• Rechtsanwälte und Notare

• Steuerberater und Wirtschaftsprüfer

• Architekten und Ingenieure

• Apotheker

[/fusion_text][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“3″ font_size=“21px“ text_color=“#066063″ text_shadow=“no“ text_shadow_blur=“0″ margin_top_small=“40px“ margin_top=“30″ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″]Doppelte Mitgliedschaft vermeiden[/fusion_title][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“300″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

In Deutschland ist jeder Arbeitnehmer grundsätzlich verpflichtet, in die gesetzliche Rentenversicherung einzuzahlen. Bestimmte Berufsgruppen, wie Ärzte, Rechtsanwälte, Notare oder Apotheker, können jedoch Mitglied in sogenannten berufsständischen Versorgungseinrichtungen sein, die eigene Altersversorgungssysteme bieten. Diese Einrichtungen, wie zum Beispiel die Berliner Ärzteversorgung, bieten eine Alternative zur gesetzlichen Rentenversicherung.

[/fusion_text][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“300″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″ margin_top=“0″]

Der Gesetzgeber sieht für Ärztinnen und Ärzte die Möglichkeit vor, sich von der Rentenversicherungspflicht zu befreien. Dies bedeutet, dass angestellte Mitglieder einer berufsständischen Einrichtung keine Beiträge zur Deutschen Rentenversicherung zahlen müssen, sondern ausschließlich in ihre Versorgungseinrichtung einzahlen.

Wird der Befreiungsantrag nicht eingereicht, findet eine doppelte Einzahlung statt, da die Teilmitgliedschaft im ärztlichen Versorgungswerk verpflichtend ist. Erfahre hier mehr über die Aufgaben und den Leistungsumfang von den 18 Ärzte Versorgungswerken in Deutschland.

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So erfolgt der Antrag auf Befreiung inkl. Link zum E-Formular[/fusion_title][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single solid“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“-15px“ bottom_margin=“20px“ alignment=“center“ /][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“300″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Der Antrag auf Befreiung von der Deutschen Rentenversicherung ist kein automatischer Prozess, sondern muss aktiv gestellt werden. Wichtig ist, dass dieser Antrag innerhalb von drei Monaten nach Beginn der Beschäftigung gestellt wird. Andernfalls kann es zu einer Doppelverpflichtung kommen, bei der sowohl Beiträge zur DRV als auch zur berufsständischen Versorgung fällig werden.

Der Antrag wird elektronisch bei der Deutschen Rentenversicherung eingereicht, wobei der genaue Ablauf und die notwendigen Unterlagen je nach Beruf und Zuständigkeit variieren können. Häufig sind Arbeitsverträge und eine Bestätigung der Mitgliedschaft in der Versorgungseinrichtung erforderlich.

[/fusion_text][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“3″ font_size=“21px“ text_color=“#066063″ text_shadow=“no“ text_shadow_blur=“0″ margin_top_small=“40px“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ margin_top=“50″]Service für den Befreiungsantrag[/fusion_title][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Der Datenservice für berufsständische Versorgungswerke übernimmt elektronisch die Übermittlung des Befreiungsantrags. Du benötigst dafür deine Mitgliedsnummer vom Versorgungswerk und deine Sozialversicherungsnummer (DRV), sowie deine persönlichen Daten.

[/fusion_text][fusion_imageframe image_id=“4335|full“ custom_aspect_ratio=“100″ lightbox=“no“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ max_width=“20px“ align_medium=“none“ align_small=“none“ align=“center“ hover_type=“none“ margin_top=“40″ margin_bottom=“20px“ caption_style=“off“ caption_align_medium=“none“ caption_align_small=“none“ caption_align=“none“ caption_title_tag=“2″ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ margin_bottom_small=“0″]https://doc-bu.de/wp-content/uploads/img_txt_arrowdown_01.png[/fusion_imageframe][fusion_button target=“_self“ aria_role_button=“0″ color=“default“ linear_angle=“180″ stretch=“default“ icon_position=“left“ icon_divider=“no“ hover_transition=“none“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ link=“https://www.e-befreiungsantrag.de/#/application-form/employee-data“ alignment=“center“]E-Formular: Antrag Befreiung DRV[/fusion_button][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“3″ font_size=“21px“ text_color=“#066063″ text_shadow=“no“ text_shadow_blur=“0″ margin_top_small=“40px“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ margin_top=“60″]Vorteile der Befreiung[/fusion_title][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

• Vermeidung doppelter Beitragszahlungen: Wer Mitglied in einer berufsständischen Versorgungseinrichtung ist und sich nicht befreien lässt, muss sowohl in die DRV als auch in das Versorgungswerk einzahlen. Durch die Befreiung fallen die DRV-Beiträge weg.

• Höhere Versorgungsleistungen: In der Regel bieten berufsständische Versorgungswerke höhere Leistungen im Vergleich zur gesetzlichen Rentenversicherung, da sie speziell auf die Bedürfnisse der jeweiligen Berufsgruppe zugeschnitten sind. Diese Einrichtungen konzentrieren sich in der Regel auf Altersvorsorge, Berufsunfähigkeit und Hinterbliebenenversorgung. Dennoch gibt es ein Problem, dass viele Ärztinnen und Ärzte unterschätzen – ihre eigene Rentenlücke*klick*!

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Trotz der vielen Vorteile gibt es einige Punkte, die beachtet werden müssen. So ist die Befreiung beispielsweise nur für die spezifische Tätigkeit und den jeweiligen Arbeitgeber gültig. Wechselt ein befreiter Arbeitnehmer den Job oder den Arbeitgeber, muss der Antrag erneut gestellt werden. Wird dies versäumt, besteht das Risiko, dass nachträglich Beiträge zur gesetzlichen Rentenversicherung eingefordert werden.

Außerdem kann die Befreiung nur für Tätigkeiten beantragt werden, die in direktem Zusammenhang mit der jeweiligen Berufsausübung stehen. Tätigkeiten, die zwar im gleichen Bereich stattfinden, aber keine „klassische Berufsausübung“ darstellen (zum Beispiel in der Verwaltung), sind möglicherweise nicht befreit.

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Altersvorsorge Ärzte – Vergleich zur gesetzlichen Rentenversicherung[/fusion_title][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single solid“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“-15px“ bottom_margin=“20px“ alignment=“center“ /][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Im Vergleich zur gesetzlichen Rentenversicherung bieten berufsständische Versorgungswerke meist spezifischere und oft vorteilhaftere Leistungen. Zum Beispiel sind Wartezeiten in der gesetzlichen Rentenversicherung in der Regel länger, bis ein Anspruch auf Leistungen besteht. In den Versorgungswerken kann es schneller zu Leistungsansprüchen kommen. Auch Berufsunfähigkeitsleistungen sind oft großzügiger geregelt.

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Schau unbedingt einmal in unserem Artikel vorbei: „Die BU-Versicherung vom Versorgungswerk„ Hier zeigen wir, weshalb es unbedingt notwendig ist, eine private BU-Versicherung abzuschließen.

[/fusion_text][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Ein wesentlicher Unterschied liegt darin, dass die gesetzliche Rentenversicherung ein umlagefinanziertes System ist, während berufsständische Versorgungseinrichtungen zum Teil kapitalgedeckt arbeiten. Das bedeutet, dass die Beiträge in der gesetzlichen Rentenversicherung direkt zur Finanzierung der laufenden Renten verwendet werden, während Versorgungswerke die Beiträge anlegen, um später höhere Leistungen zu erbringen. Dennoch existiert für Ärztinnen und Ärzte eine hohe Rentenlücke.

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title_type=“text“ loop_animation=“once“ marquee_direction=“left“ marquee_speed=“15000″ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ content_align=“left“ size=“2″ font_size=“26px“ text_color=“#d5a56e“ text_shadow=“no“ text_shadow_blur=“0″ text_stroke=“no“ text_stroke_size=“1″ text_overflow=“none“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″]6. Rentenlücke! – Was ist die Beitragsbemessungsgrenze?[/fusion_title][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_separator style_type=“single solid“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“-15px“ bottom_margin=“20px“ alignment=“center“ /][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Die Beitragsbemessungsgrenze spielt eine zentrale Rolle in der deutschen Sozialversicherung, insbesondere auch in der gesetzlichen Rentenversicherung. Sie legt den maximalen Betrag des Einkommens fest, der zur Berechnung der Beiträge herangezogen wird. Einkommen über dieser Grenze werden bei der Beitragsberechnung nicht berücksichtigt.

Für 2024 liegt die Beitragsbemessungsgrenze bei 7.550 Euro monatlich in den alten Bundesländern und 7.300 Euro in den neuen Bundesländern. Einkünfte oberhalb dieser Beträge werden nicht mehr verbeitragt. Diese Grenze wird jährlich angepasst.

[/fusion_text][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“3″ font_size=“21px“ text_color=“#066063″ text_shadow=“no“ text_shadow_blur=“0″ margin_top_small=“40px“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ margin_top=“30″]Beispiel [/fusion_title][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Ein angestellter Arzt in Nordrhein-Westfalen mit einem Monatsbruttoeinkommen von 10.000 Euro zahlt Beiträge zur Ärzteversorgung Westfalen-Lippe (ÄVWL). Die Beiträge richten sich nach der Beitragsbemessungsgrenze, die 2024 bei 7.550 Euro liegt. Die Beiträge belaufen sich auf 18,6 % des Bruttogehalts bis zu dieser Grenze. Das bedeutet:

• Bei einem Gehalt von 10.000 Euro zahlt der Arzt nur auf 7.550 Euro Beiträge.

• 18,6 % von 7.550 Euro = 1.403,30 Euro monatlich an die Ärzteversorgung.

Das Einkommen oberhalb der Beitragsbemessungsgrenze bleibt beitragsfrei.

[/fusion_text][fusion_title title_type=“text“ loop_animation=“once“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ highlight_width=“9″ highlight_top_margin=“0″ title_link=“off“ link_target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ content_align=“left“ size=“3″ font_size=“21px“ text_color=“#066063″ text_shadow=“no“ text_shadow_blur=“0″ margin_top_small=“40px“ gradient_font=“no“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ margin_top=“30″]Enorme Rentenlücke für Ärztinnen und Ärzte[/fusion_title][fusion_text rule_style=“default“ content_alignment=“left“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Die Beitragsbemessungsgrenze hat nicht nur Auswirkungen auf die Beiträge, sondern auch auf die Höhe der späteren Rente. Da die Beiträge auf das Einkommen über dieser Grenze entfallen, wird auch die Rentenhöhe durch die Grenze begrenzt. Dies kann problematisch sein, insbesondere für Ärzte und andere Fachkräfte mit hohen Einkommen, da ihre Altersvorsorge nicht vollständig durch das Versorgungswerk abgedeckt wird.

Daher ist eine private Vorsorge wichtig, um Einkommenslücken im Alter zu schließen. Kapitalanlagen, private Rentenversicherungen oder andere Sparformen können helfen, den Lebensstandard im Ruhestand zu sichern.

[/fusion_text][fusion_imageframe image_id=“4335|full“ custom_aspect_ratio=“100″ lightbox=“no“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ max_width=“20px“ align_medium=“none“ align_small=“none“ align=“center“ hover_type=“none“ margin_top=“40″ margin_bottom=“20px“ caption_style=“off“ caption_align_medium=“none“ caption_align_small=“none“ caption_align=“none“ caption_title_tag=“2″ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ margin_bottom_small=“0″]https://doc-bu.de/wp-content/uploads/img_txt_arrowdown_01.png[/fusion_imageframe][fusion_builder_row_inner][fusion_builder_column_inner type=“1_1″ layout=“3_4″ align_self=“flex-start“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ margin_top=“0px“ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ animation_direction=“left“ animation_speed=“0.3″ last=“true“ border_position=“all“ first=“true“ min_height=““ link=““][fusion_text rule_style=“default“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ class=“zub“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ font_size=“18px“ text_transform=“none“ animation_direction=“left“ animation_speed=“0.3″]

Lies im Artikel „Altersvorsorge für Ärzte und Ärztinnen“ mehr über die Rentenlücke und wie du sie für dich berechnest.

Das DOC-BU Team unterstützt dich beim Konzipieren deiner Altersvorsorge oder/und bei der Auswahl deiner Berufsunfähigkeitsversicherung. Genug recherchiert? Frage jetzt an:

[/fusion_text][/fusion_builder_column_inner][/fusion_builder_row_inner][fusion_builder_row_inner][fusion_builder_column_inner type=“1_1″ layout=“1_1″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ animation_direction=“left“ animation_speed=“0.3″ last=“true“ border_position=“all“ first=“true“ min_height=““ link=““][fusion_separator style_type=“single solid“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ flex_grow=“0″ top_margin=“0px“ bottom_margin=“40px“ width=“100%“ alignment=“center“ sep_color=“#e8ebef“ /][fusion_button link=“https://doc-bu.de/kontakt/“ target=“_self“ alignment=“center“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ color=“custom“ button_gradient_top_color=“#008085″ button_gradient_bottom_color=“#008085″ button_gradient_top_color_hover=“#d5a56e“ button_gradient_bottom_color_hover=“#d5a56e“ size=“xlarge“ stretch=“default“ margin_bottom=“25px“ icon_position=“left“ icon_divider=“no“ animation_direction=“left“ animation_speed=“0.3″]jetzt beraten lassen[/fusion_button][fusion_imageframe image_id=“4335|full“ max_width=“15px“ hover_type=“none“ align_medium=“none“ align_small=“none“ align=“center“ lightbox=“no“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://doc-bu.de/wp-content/uploads/img_txt_arrowdown_01.png[/fusion_imageframe][fusion_text rule_style=“default“ content_alignment=“center“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ margin_top=“25px“ margin_bottom=“25px“ font_size=“18px“ fusion_font_family_text_font=“Manrope“ fusion_font_variant_text_font=“400″ text_color=“#066063″ animation_direction=“left“ animation_speed=“0.3″]

Bei den DOC-BU Insidern gelangst du in
sechs Schritten zu deiner perfekten Arzt-BU:

[/fusion_text][fusion_imageframe image_id=“4335|full“ max_width=“15px“ hover_type=“none“ align_medium=“none“ align_small=“none“ align=“center“ lightbox=“no“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://doc-bu.de/wp-content/uploads/img_txt_arrowdown_01.png[/fusion_imageframe][fusion_imageframe image_id=“5070|full“ max_width=“500px“ hover_type=“none“ align_medium=“none“ align_small=“none“ align=“center“ lightbox=“no“ link=“https://doc-bu.de/bu-beratung/“ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ caption_style=“off“ caption_align_medium=“none“ caption_align_small=“none“ caption_align=“none“ caption_title_tag=“2″ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://doc-bu.de/wp-content/uploads/Schema-Beratungsprozess-einer-BU-fuer-Aerzte-und-Mediziner.png[/fusion_imageframe][/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Befreiung Rentenversicherung Ärzte – so geht´s!

Befreiung Rentenversicherung Ärzte – so geht´s!

Über den Autor: Janine Kreiser

Befreiung Rentenversicherung Ärzte – so geht´s!

Befreiung Rentenversicherung Ärzte – so geht´s!

Über den Autor: Janine Kreiser

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