The freeter usually has little or no pension insurance or savings, which may force him or her to work beyond the usual retirement age.

The voluntary pension insurance fees or transfers to a personal pension account are credited in earned income taxation up to 5000 per year.

Up to 8% of gross income may be deducted for private pension insurance.

These people are paid in the future during their leisure as contributions to statutory pension insurance.

The old age risk coverage has been almost universal since the establishment of minimum pension (1956) guaranteeing everyone a minimum pension, regardless of contributions to the mandatory pension insurance scheme.