Alberto wrote: ↑Thu Oct 30, 2025 6:38 am
How can she has a pension at all if she didn't work?
My wife too is a stay-at-home mum, and therefore we don't expect any German pension for her
For children whose first 2.5 years (for children born up to 1991) or whose first 3 years (for children who were born starting with 1992) were spent in Germany, the mother gets pension points at a "worth" of the average German pension at that time.
So if a mother has two children raised in Germany, she will for sure get at least 5 years worth of pension points, i.e. will have reached the minimum necessary contribution time of 5 years to draw a German social security pension.
Even with only one child, if she then paid voluntary social security pension contributions to reach the minimum 5 contribution years (anywhere in the EU, for this, the UK still counts as EU), she will get a German social security pension.
For details, please read:
https://www-finanztip-de.translate.goog ... r_pto=wapp
If the mother raised the children in another EU country (and the UK "counts" as EU for up to 2020) and then worked in Germany, then she will also get these extra pension years, please see here:
https://www-eu--gleichbehandlungsstelle ... r_pto=wapp
--> your wife should now get employment in Germany, at least a mini job, and then her child raising years that happened pre-2020 in the UK will get her 3 years of German pension points.