DRV

Question 1

Was ist die Gesetzliche Rentenversicherung (GRV)?

Answer 1

Statutory pension insurance in Germany based on the pay-as-you-go (Umlageverfahren) system.

Question 2

Was ist das Umlageverfahren?

Answer 2

Current workers finance current retirees; no capital accumulation.

Question 3

Was ist der Generationenvertrag?

Answer 3

Intergenerational contract where the working generation finances pensioners.

Question 4

Was ist der Beitragssatz?

Answer 4

Percentage of gross income paid into the pension system.

Question 5

Was ist die Beitragsbemessungsgrenze (BBG)?

Answer 5

Maximum income level up to which pension contributions are calculated.

Question 6

Was bedeutet Wartezeit?

Answer 6

Minimum qualifying insurance period required to receive pension benefits.

Question 7

Was sind Entgeltpunkte?

Answer 7

Earnings points collected based on income compared to the national average income.

Question 8

Wie lautet die Rentenformel?

Answer 8

Rente = Entgeltpunkte × Zugangsfaktor × Rentenartfaktor × aktueller Rentenwert.

Question 9

Was ist der Zugangsfaktor?

Answer 9

Factor that increases or decreases pension due to early or late retirement.

Question 10

Was ist der Rentenartfaktor?

Answer 10

Factor depending on pension type (e.g. 1.0 for old-age pension).

Question 11

Was ist der aktuelle Rentenwert?

Answer 11

Monetary value of one earnings point.

Question 12

Was ist die Regelaltersrente?

Answer 12

Standard retirement pension at regular retirement age.

Question 13

Was ist die Erwerbsminderungsrente?

Answer 13

Pension paid if insured person cannot work required minimum hours.

Question 14

Was bedeutet volle Erwerbsminderung?

Answer 14

Ability to work less than 3 hours per day in any job.

Question 15

Was bedeutet teilweise Erwerbsminderung?

Answer 15

Ability to work between 3 and under 6 hours per day.

Question 16

Was ist Berufsunfähigkeit?

Answer 16

Inability to perform last profession (different from GRV definition).

Question 17

Was ist die Hinterbliebenenrente?

Answer 17

Survivor’s pension for spouse or children.

Question 18

Was ist die Witwenrente?

Answer 18

Pension for surviving spouse.

Question 19

Was ist die Waisenrente?

Answer 19

Pension for surviving children.

Question 20

Was ist ein Rentenabschlag?

Answer 20

Permanent reduction of pension for early retirement (0.3% per month).

Question 21

Was ist die Hinzuverdienstgrenze?

Answer 21

Limit for additional income while receiving pension.

Question 22

Was ist die Rentenlücke?

Answer 22

Gap between last net income and actual pension amount.

Question 23

Was ist die Grundrente?

Answer 23

Basic pension supplement for low earners with long contribution periods.

Question 24

Was ist der Nachhaltigkeitsfaktor?

Answer 24

Adjustment factor reflecting demographic development.

Question 25

Was ist der Versorgungsausgleich?

Answer 25

Equalization of pension rights after divorce.

Question 26

Was ist die Renteninformation?

Answer 26

Annual pension forecast document from GRV.

Question 27

Was sind Anrechnungszeiten?

Answer 27

Credited periods without contributions (e.g. unemployment, education).

Question 28

Was sind Pflichtbeiträge?

Answer 28

Mandatory contributions paid during employment.

Question 29

Was sind freiwillige Beiträge?

Answer 29

Voluntary pension contributions.

Question 30

Warum steht die GRV unter Druck?

Answer 30

Demographic change: fewer contributors, more retirees.

Question 31

Warum reicht die GRV oft nicht aus?

Answer 31

Because of declining replacement rate and Rentenlücke.

Question 32

Was ist das Rentenniveau?

Answer 32

Percentage of average income replaced by statutory pension.

Question 33

Warum ist die BBG prüfungsrelevant?

Answer 33

Income above BBG does not increase pension entitlement.

Question 34

Was passiert bei vorzeitigem Rentenbeginn?

Answer 34

Permanent deduction through reduced Zugangsfaktor.

Question 35

Was ist kapitalgedeckte Vorsorge?

Answer 35

Fund-based retirement savings (private pension products).

Question 36

Was bedeutet nachgelagerte Besteuerung?

Answer 36

Pension is taxed during retirement, not during contribution phase.

Question 37

Was ist die Standardrente?

Answer 37

Pension based on 45 years of average earnings.

Question 38

Was ist die Regelaltersgrenze?

Answer 38

Standard retirement age (gradually increasing to 67).

Question 39

Wie werden Entgeltpunkte berechnet?

Answer 39

Individual income divided by national average income.

Question 40

Was ist das Hauptunterschied GRV vs Private Vorsorge?

Answer 40

GRV = pay-as-you-go; Private = capital-funded.

Question 41

Wie definiert die GRV Erwerbsminderung?

Answer 41

Based on general labor market ability.

Question 42

Wie definiert private BU Versicherung Invalidität?

Answer 42

Based on last exercised profession.

Question 43

Was ist das Ziel der GRV?

Answer 43

Basic income security in retirement.

Question 44

Was ist das Ziel der privaten Altersvorsorge?

Answer 44

Maintaining living standard and closing pension gap.

Question 45

Warum ist die GRV politisch abhängig?

Answer 45

Pension adjustments and rules are defined by law.

Question 46

Warum ist private Vorsorge flexibler?

Answer 46

Contractual structure allows individual design.

Question 47

Was ist die Mindestwartezeit für Regelaltersrente?

Answer 47

5 years of qualifying insurance periods.

Question 48

Was bedeutet Abschlagsfreie Rente?

Answer 48

Retirement without deductions after long contribution period.

Question 49

Warum ist Erwerbsminderung schwer zu erhalten?

Answer 49

Because any job capacity on general labor market is considered.

Question 50

Warum ist die Rentenformel so wichtig?

Answer 50

It determines exact pension calculation in exams.

Question 51

Was ist die Versorgungslücke?

Answer 51

Difference between desired retirement income and expected GRV pension.

Question 52

Was ist die Hochrechnung in der Renteninformation?

Answer 52

Projected pension assuming continued contributions.