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Insurance periods to 31 December 2004


Insurance periods are the basis for the entitlement to a pension and determine how much this will be.

Insurance periods are divided into contribution periods and substitute periods (Ersatzzeiten). Insurance contributions are to be paid in contribution periods. Although not contributions are paid in substitute periods, these are treated as insurance periods for the purposes of calculation of pension benefits.

The insurance periods acquired after 1 January 2005 by persons born on or after 1 January 1955 will be subject to the regulations of the Austrian General Pension Law (APG); see “Insurance periods after 1 January 2005”.
After 31 December 2004., the regulations specified in this section will continue to apply to persons born before 1 January 1955.

For information on the insurance periods you have acquired to date, please contact your pension insurance provider.