hTTi

Since this deals with finances as well as health insurance, re-posting here after no response on health insurance thread:

Having retired about three years ago and cobbled together no less than three pensions from Canada, as a KVdR member I'm handing over to my KK about 18% of the gross amount of two of the monthly pensions already.

The third pension, Old Age Security (OAS) has taken ages and ages to set up. I applied more than two years ago, and have only now received a first payment.

The bank statement shows the funds landing in my account December 15, 2025.

The OAS statement says the money is for the period March 1 to March 31, 2025, but (see above) I only received it a couple of weeks ago.

Question: Is the KK going to calculate its 18% on the exchange rate for December 15, 2025, or for the month of March, 2025? This makes a difference, because not only has the value of the Loonie dived nearly 10%, but OAS still owes me another 9 months of pension for 2025.

Question 2, sort of related: One of my pensions will be boosted by the princely amount of 2% starting this month. I will inform the KK of this. Will they then re-calculate at the going exchange rate, or will I be stuck with a clearly unfavorable rate set just before the Loonie started its plunge?

PS: fellow Canucks have casually informed me they have been receiving Canada Pension and OAS pensions, but have not been telling their KK. Should I tell them they are potentially in deep shit, or, like I suspect, am I the dumb honest one?

Once again Happy New Year to all, be you retired, pensioned off, or just the retiring type.

Krankenkassen use the Zuflussprinzip (= income gets considered only once you get it), just like the Finanzamt does, so they will use the average ECB exchange rate for the month in which you received the money, i.e. for December 2025, which was 1€= 1,6168 CAD.

You can find the lists with the monthly exchange rates under "Neuberechnung" here: https://www.dvka.de/de/informationen/umrechnungskurse/

I don't know if the KVdR asks for a Steuerbescheid like for voluntary members but in any case your Canadian state(?) pension is taxable income in Germany assuming you are tax resident here. It is not at all unlikely that the KK will some day see a Steuerbescheid from you and your Canadian pension will be included on it. I am assuming you are declaring this income to the Finanzamt. Not doing so would be a really bad idea. Your fiends will always have the worry that some day the KK and/or Finanzamt will learn of their undeclared income and then all hell will break loose. Consider it a peace of mind payment maybe?

murphaph wrote: ↑Sun Jan 11, 2026 2:32 pm I don't know if the KVdR asks for a Steuerbescheid like for voluntary members but in any case your Canadian state(?) pension is taxable income in Germany assuming you are tax resident here. It is not at all unlikely that the KK will some day see a Steuerbescheid from you and your Canadian pension will be included on it. I am assuming you are declaring this income to the Finanzamt. Not doing so would be a really bad idea. Your fiends will always have the worry that some day the KK and/or Finanzamt will learn of their undeclared income and then all hell will break loose. Consider it a peace of mind payment maybe?

I completely agree, TK have just contacted me and asked for Steuerbescheid despite me having informed them already of pension income from the UK.

Kerfuffle wrote: ↑Sun Jan 11, 2026 5:24 pmI completely agree, TK have just contacted me and asked for Steuerbescheid despite me having informed them already of pension income from the UK.

I have the same thing with AOK every year. They want estimated income to calculate my current contributions and Steuerbescheid to correct the past if my estimate was off.

The Finanzamt also requested statements for my Icelandic pension.