Unpaid care work

What you should bear in mind when taking time off for family reasons

Text last updated: 2024-06-06

Planning in partnership: strategies for balanced working and family time

Parents who take time out for their child and cut back on work for a longer period after the birth must expect financial disadvantages. At least temporarily, family-related career breaks can lead to a lower household income. Longer periods of part-time work can affect career prospects. Pension provision can also be affected, as breaks in employment can lead to lower pension entitlements. Read here to find out what mothers and fathers should consider when planning family-related time off and why it is so important to talk about finances in a relationship.

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Balancing work and family life is a key issue for many parents. The distribution of family time and care work plays a decisive role here, as it has a direct impact on income, career prospects and retirement provision. With the expansion of childcare, parental allowance and parental allowance plus as well as the improvement of family care leave, the state has taken measures to improve the framework conditions for parents and make it possible for them to return to work soon. This is because family-related career breaks can have financial and social consequences under certain circumstances:

Fair division of family tasks

Being in an equal partnership means taking responsibility for yourself and your partner. Partnership and money should be negotiated fairly. At the latest when couples are talking about starting a family, it is time to discuss ideas about a fair division of care work, financial issues and compensation for disadvantages caused by raising children.

The following questions can help you discuss the topic together. Ideally, even before you have children together and your love is still young and fresh.

Questions for couples about caring for the family:

  • What could a family model based on partnership look like for us?
  • Who takes parental leave and for how long?How do we take turns?
  • Who might stay at home to look after the children after parental leave and for how long?
  • Who works part-time and to what extent? How can part-time work and care work be divided up fairly?
  • How are household chores divided fairly?
  • How are financial disadvantages such as pension losses due to child-rearing periods, work interruptions and part-time work compensated by the partner?
  • How long does the partner pay alimony after a separation or divorce if employment has been interrupted for a longer period of time?

Where can I find help and advice?

The Equal Opportunities Officers at the employment agencies and job centers regularly offer events on reconciling family and career, including on topics such as part-time work and returning to work after a family or care phase. Further information and offers can be found on the Internet portal of the Federal Employment Agency under the keyword Reconciling family and career.

For all topics relating to your finances and personal pension planning, you can contact your bank's advisors and independent financial advisors.

German Pension Insurance offers its policyholders special consultations on old-age provision. The advisors provide independent and free information on questions about pensions and additional old-age provision. These intensive discussions are particularly recommended for women. Contact details can be found on the website.

In addition, the independent online portal Ihre Vorsorge from Deutsche Rentenversicherung provides comprehensive information on the various facets of old-age provision.

The Verbraucherzentrale Nordrhein-Westfalen also offers investment and pension advice, although this is subject to a fee. Information can be found on the Internet portal.

You can use the online calculator from Deutsche Rentenversicherung to find out approximately how much your pension will be.

Tips with communication rules and food for thought for negotiating equal rights in partnerships can be downloaded from Familienportal.NRW.

Tips Download

The flyer "Let's make it fair! Planning job and family together" from the Federal Employment Agency summarizes how you can reconcile child(ren) and career and why early joint planning is worthwhile.

The brochure "Marriage Law" from the Federal Ministry of Justice serves, among other things, to provide guidance on the property law implications of marriage.

You can find out how child-raising periods are taken into account for your pension and what proof is required in the leaflet "Child-raising - a plus for your pension" from Deutsche Rentenversicherung.

The brochure "Retirement provision - planning for the future today" from Deutsche Rentenversicherung shows the options for additional forms of provision to ensure financial security in retirement.