Corporate Pension Scheme
Retain your team with an attractive retirement provision
The corporate pension scheme (occupational retirement provision) is a powerful tool for retaining staff. With solutions tailored to your company, you offer your employees strong retirement provision while benefiting from tax and social security savings.
Benefits of this insurance
Increases your company's appeal and helps you attract and retain talent in a competitive labor market.
Both your company and your employees can benefit from tax advantages and savings on social security contributions.
You can choose between direct insurance, pension fund, pension scheme, support fund, or direct commitment.
We help you implement your plan in accordance with the Occupational Pensions Strengthening Act, including the mandatory employer contribution.
What is covered
Employee contributions (salary conversion)
Part of the employee's gross salary is allocated to retirement provision, reducing their taxable base and contributions.
Employer contributions
The company can fully or partially fund the plan, and is required to contribute at least an additional 15% when there is social security savings.
Retirement, disability, and death benefits
Depending on the plan design, it may include additional benefits in the event of the employee's disability or death.
What is not covered
Modifications outside the legal framework
Plans must comply with current regulations; changes that deviate from this may not be tax-valid.
Early withdrawal without justified cause
As with any retirement provision, early access to the capital is usually limited to certain cases.
Real claim examples
Employee retirement
After years of contributions, an employee receives a monthly income supplementing their public pension upon retirement.
Incapacity before retirement
An employee becomes incapacitated before retiring; the plan may include an additional benefit as agreed.
Frequently asked questions
Are companies required to offer this plan?
Yes, German companies are legally required to offer their employees a path for occupational retirement provision.
What implementation paths are available?
There are five paths: direct insurance, pension fund, pension scheme, support fund, and direct commitment.
Who funds the contributions?
It can be funded through employee salary conversion, employer contributions, or a combination of both.
What obligation does the employer have with salary conversion?
Since 2022, the employer must contribute at least an additional 15% to the salary conversion when there is social security savings.
Want to implement an attractive corporate pension scheme?
Tell us your company size, and we will help you design the most suitable plan for your team.
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