What is the coordination deduction simply explained?

The relevant salary is the gross salary that is relevant for the 2nd pillar. Your annual salary may be higher, but the coordination deduction from the pension fund is deducted from this first. Only then is the insured salary calculated.

No, in principle you are not insured twice. However, if your employment is reduced, your pension fund contributions may fall, resulting in a pension gap. Some people supplement their pension provision with private provision (e.g. pillar 3a) in order to secure their accustomed standard of living.

The employer and employee (i.e. you) pay into the pension fund together. The coordinated salary is calculated from the gross salary "minus the coordination deduction" to determine the coordinated salary. The higher your insured salary, the more your employer pays into your pension.

No, the coordination deduction is only adjusted every two years. A higher deduction can reduce the coordinated salary, which will affect your pension in the long term. Keep up to date with new limits in the future.

Complete abolition would mean that no salary is deducted before contributions are due. This would increase your insured salary and your pension entitlements could grow. However, it remains to be seen whether this will be implemented politically.

If you stop working before regular retirement, you pay in for less time and may have a gap in your pension provision. You can counteract this with pillar 3a or additional private pension provision so that you can maintain your accustomed standard of living.

Yes, by keeping your insured salary as high as possible. For example, by organising your employment in such a way that the coordination deduction is less significant, or by making additional contributions to pillar 3a. This way you can reduce gaps even if you work part-time.