Post-insurance for civil servants in Bavaria: Your guide when leaving the service
16 Apr 2025
10
Minutes
Katrin Straub
CEO at nextsure
Are you leaving the Bavarian civil service without a direct pension entitlement? Then supplementary insurance in the statutory pension scheme becomes relevant for you. This article explains the most important steps and what financial implications you can expect.
Topics on this page
The topic in brief and concise terms
Upon leaving Bavarian civil service without entitlement to a pension, supplementary insurance is provided in the statutory pension scheme, with contributions covered by the employer.
In Bavaria, there is no retirement allowance as an alternative to post-insurance; an exception is the supplementary settlement under Article 99a BayBeamtVG when moving to service in an EU country.
Deadlines must be observed: one year for choosing a professional pension scheme and two years for a possible deferral of follow-up insurance.
Quick Facts: The insurance coverage for Bavarian civil servants at a glance
As a civil servant in Bavaria, if you leave the service without a pension entitlement, reinsurance will be carried out. Your employer will then pay contributions for your period of service into the statutory pension insurance. This happens, for example, if you resign at your own request before reaching the pension-relevant years of service. It is important that the employer bears the full cost of the contributions. This puts you in the position as if you had been compulsorily insured in the statutory pension insurance during your time as a civil servant. Note the one-year deadline if you prefer to pay the contributions into a professional pension scheme instead. A deferral of reinsurance is possible if you take up a new employment that is exempt from insurance within two years. The statutory pension insurance in public service provides further information here.
Practical Section: Understanding the Process and Financial Aspects of Reinsurance
The process of reinsurance is typically initiated by the State Office for Finance in Bavaria as soon as you leave the service. You will receive a so-called survey form where you provide information about your further professional plans. The calculation of reinsurance contributions is based on your gross earnings during the time as a civil servant. A specific example: With a monthly gross salary of 4,000 euros over ten years, the employer would pay the corresponding pension contributions for this entire period. Bear in mind that reinsurance often leads to lower retirement benefits than a civil service pension, sometimes up to fifty percent less. Upon leaving the civil service relationship, your entitlement to aid also lapses, meaning you must bear the full costs for your private health insurance yourself. It is advisable to seek a conversation with your health insurance provider early. The contributions to reinsurance must be paid by the employer to the pension insurance carrier within three months after your departure to avoid late fees.
Here are the typical steps in the process:
Leaving the civil service without entitlement to benefits.
Sending of the survey form by the State Office for Finance.
Completion and return of the survey form.
Calculation of contributions by the employer based on gross earnings.
Payment of contributions to the German Pension Insurance or a professional pension fund by the employer.
You receive an updated insurance history from the pension insurance.
These steps illustrate the automated yet information-intensive process.
Expert Depth: Legal Foundations and Bavarian Particularities
Post-insurance is primarily regulated in the Sixth Book of the Social Code (SGB VI). The key sections are § 8 SGB VI (Post-insurance), §§ 181 ff. SGB VI (Implementation and Calculation), and § 186 SGB VI (Post-insurance in favor of professional pension schemes). For civil servants in Bavaria, it is relevant that there is no so-called retirement allowance like in some other federal states or at the federal level as an alternative to post-insurance. An exception is the case where Bavarian civil servants transfer seamlessly (with a maximum of three months interruption) to a public service position in another EU member state. Here, under certain circumstances, an additional pension settlement according to Article 99a of the Bavarian Civil Service Pension Act (BayBeamtVG) can be applied for, although it is subject to a flat fifteen percent discount. This application must be actively submitted to the State Office for Finance. Understanding these specific regulations is crucial to minimize financial disadvantages. Also, gather information about the three layers of retirement planning to evaluate your situation comprehensively.
Important sections and regulations include:
§ 8 SGB VI: Principle of post-insurance.
§ 181 SGB VI: Competence and contribution calculation.
§ 184 SGB VI: Deferral of post-insurance.
§ 186 SGB VI: Possibility of deposit into professional pension schemes.
Art. 99a BayBeamtVG: Additional pension settlement upon transfer to EU service relationship (specific to Bavaria).
Absence of a retirement allowance regulation in Bavaria.
These legal provisions form the framework for your rights and obligations.
Recommendations: How to optimally secure your claims
When you are considering leaving civil service in Bavaria, careful planning is essential. Fill out the survey form for continued insurance promptly and accurately to avoid delays and possible overdue charges for your employer. Clarify your health insurance situation early, as aid entitlements expire upon departure. Carefully consider the option of contributing to a professional pension scheme within the annual deadline, if applicable to your profession. Document all relevant procedures and deadlines meticulously. If you plan to switch to public service in another EU country, make sure to check your entitlement to the supplementary compensation under Article 99a BayBeamtVG. A disability insurance for civil servants can also be an important part of your protection, even if you leave the civil service. Comprehensive advice will help you make the right decisions for your financial future.
Your next steps: Consultation and individual analysis
The topic of reinsurance is complex and depends on many individual factors. There is no general statement about the best way forward. Therefore, personal advice that takes your specific situation into account is of great value. Take the opportunity to have your coverage situation analyzed. This helps you fully understand the consequences of leaving the civil service and set the right course for your retirement planning. Remember that decisions in this area have long-term financial implications. A well-founded retirement planning is therefore essential. We are happy to support you in gaining clarity and finding the solutions that suit you best.
Request a personal risk analysis now: Have your insurance situation checked free of charge and receive specific optimization suggestions.
More useful links
BayernPortal provides information on services related to post-insurance.
Deutsche Rentenversicherung issues a press release on post-insurance.
Deutsche Rentenversicherung offers commentary on post-insurance.
Deutsche Rentenversicherung explains post-insurance in a glossary entry.
Deutsche Rentenversicherung provides a study text on insurance law focusing on post-insurance.
Bayerische Versorgungskammer offers an information sheet on post-insurance in the statutory pension scheme.
Deutsche Rentenversicherung informs in a press release about pension entitlements related to post-insurance.
FAQ
Do I need to apply for post-insurance in Bavaria myself?
No, as a rule, the procedure is initiated ex officio by the employer (usually through the State Office for Finance in Bavaria). However, you must fill out a survey form.
Can I defer the supplementary insurance if I become a civil servant again?
Yes, if you are expected to take up a pension-insurance-free employment (e.g., becoming a civil servant again) within two years of leaving, the post-insurance can be deferred.
What happens to my health insurance after I am dismissed as a civil servant in Bavaria?
Your entitlement to benefits ends upon dismissal. You will then have to bear the full cost of your health insurance contributions yourself. Make sure to discuss this matter with your insurance provider early on.
Is the pension from the subsequent insurance just as high as my civil servant pension would have been?
No, the pension from the subsequent insurance is often significantly lower than the expected civil service pension, sometimes by up to fifty percent.
Is there an alternative to the pension insurance in Bavaria, like the retirement allowance?
No, there is no general pension regulation for Bavarian state officials. Recurring insurance is the standard. Only under very specific conditions (transfer to EU service) is there an additional severance payment.
Who can I contact for advice on subsequent insurance?
For initial information, the State Office for Finance in Bavaria is responsible. For independent advice on your overall pension situation and individual solutions, you can contact specialized insurance advisors like nextsure.
