Financing: Job terminated with severance pay - consequences?

I know someone who was terminated with a quite high severance payment and did NOT receive unemployment benefits or anything like that – because the severance payment is intended as compensation for that.

That’s why you have to sue the employer and lose. Then you get unemployment benefits immediately. I know someone whose employer even pointed this out right away and advised them to sue. Pure show trial, lost smoothly, and from the first month on there were unemployment benefits parallel to the full severance payment. Legal expenses insurance helps in these cases.

I know someone whose employer pointed it out directly and advised to sue. Pure show trial, lost smoothly, and from the first month onwards there was unemployment benefit alongside the full severance pay. Legal expenses insurance helps in these cases, otherwise it could get too expensive and you have to swallow the three months.

that may all sound great in theory...

Not entirely true (only right before retirement). In this case, there is definitely an entitlement for two years minus a possible waiting period of 3 months (from 58). After that, another two years are missing, and then there is nothing... The rest of the severance payment is intended for that, and there is even something left over. However, after unemployment benefits, it is planned to take up a part-time job subject to social security contributions so that the years until retirement are counted and additional voluntary contributions can be paid into the pension fund.

I could not verify my previous statements. No idea when my acquaintance sued against his termination and severance pay. It could have been a while ago.

There are two colleagues with approximately the same conditions (age, length of service) who accepted the severance offer 2-3 months ago and are receiving unemployment benefits. One has a 3-month suspension, the other does not.

After that, another two years are missing, then there is nothing here...

Yes, that fits. My known example was 60, received the severance pay, and then received nothing until 65.