The employer pays 15 % into the pension fund anyway — but without your 3.6 % that yields only a tiny top-up instead of full contribution months. The opt-out checkbox comes pre-ticked in many contracts — tick or untick it consciously, not on autopilot.
Minijob: The Pension Checkbox and Midijob
Your only own contribution — 3.6 % toward pension — can be waived. Most people waive it and give away the cheapest pension rights on the market.
✓ Verified: 18/07/2026
WHAT TO DO
AUTHORITY
Minijob-Zentrale
Public bodyRegistration, contributions and every question about minijobs go to the Minijob-Zentrale (Knappschaft-Bahn-See).
› Details and tips
👨🏻💻
Max recommends:
I did not opt out of the 3.6 percent pension share: at 603 € that is ~22 € a month buying full contribution months. The opt-out lasts until the job ends and is irreversible — decide consciously.
👩🏼💼
Lea recommends:
For newcomers with a short work history, contribution months are critical: any pension needs 5 years. A minijob with contributions delivers them — tick the opt-out box consciously, not on autopilot.
FREQUENTLY ASKED QUESTIONS
Which is better: minijob at 603 € or midijob at 700 €? ▾
At 700 € you gain health insurance and full pension months via the employer. Without other cover (like family insurance) the midijob solves the insurance question entirely.
Retirement is 30 years away — why these 22 €? ▾
It is about status, not the sum: contribution months unlock rehab, disability pension and close gaps. This status is not sold cheaper anywhere.
Does the minijob count toward unemployment benefit? ▾
No: the minijob is exempt from unemployment insurance, so no ALG I entitlement builds. Only pension can be built via the 3.6% — ALG I needs an insurable job (from Midijob up).