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On point i) it seems to say you have to take VBLspezial if you don't take VBLextra and on point ii) it says yes you have no entitlement to a pension if you don't reach 60 months contributions to be entitled to a pension; my information is that you lose the lot.
1 Exemption from compulsory insurance
Employees working in short-term scientific positions in academia or research can be exempted from VBL compulsory insurance (Section 2 (2) of the ATV / Section 28 (1) of the terms and conditions for compulsory insurance with VBL (VBLS)). However, you will only be eligible for exemption if you cannot fulfil the qualifying period of 60 months of contribution/premium payments (Beitrags-/Umlagemonate) before your contract of employment terminates (Section 34 (1) of the VBLS) and if you previously had no compulsory insurance with VBL or another public-sector supplementary pension provider.
It is necessary that you apply for exemption from compulsory insurance yourself. You have to file your application via your employer within two months of starting your job. Your employer will check whether you meet the requirements for exemption from compulsory insurance.
2 Registration for voluntary insurance
If you are exempted from compulsory insurance, your employer has to enrol you in the voluntary VBLextra insurance instead. Your employer files the application to VBL scheme on your behalf and is therefore the policyholder for the voluntary insurance.
The voluntary insurance substitutes compulsory insurance. So VBLextra provides the same coverage as compulsory insurance. Therefore it is not possible to exclude incapacity coverage or surviving dependants’ insurance.
Unlike with compulsory insurance, you do not have to have accrued 60 months of contribution/premium payments (Beitrags-/Umlagemonate) in order to be entitled to receive an occupational pension. Provided your employer has paid the necessary contributions, you will be entitled to a pension as soon as the insured event occurs. This means that VBLextra provides scientific employees with a retirement pension without a qualifying period.
Unlike compulsory insurance, however, voluntary insurance does not include social components such as additional pension points while you are on parental leave or periods during which you are incapacitated. Furthermore, the age factor table for voluntary insurance was adjusted to the maximum projected interest rate for voluntary insurance at VBL of 2.75 % on 1 January 2004. The guaranteed benefits from voluntary insurance are therefore lower than from compulsory insurance, but they are available for people who do not meet the qualifying period requirement. |
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发表于 2011-2-3 19:32
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