For employees
Company pension scheme
The beneficiaries of a company pension scheme are the employees. In many cases, they are even the ones who pay a significant proportion of the contributions. This is good and makes sense, as it promotes personal pension savings from two sides: the employer provides a subsidy, and the government waives taxes and contributions on the savings. Since questions about the company pension scheme often arise throughout one’s career, we have listed a few key points:
Advantages for me as an employee
Balancing the pension gap
contribution payment Lifetime pension or lump-sum payment
Statutory entitlement to employer contribution
Protection for surviving dependants is possible
Adjustable contribution payment
Continuation of the company pension scheme if you change employer
Save on taxes and social security contributions (tax is due on pension payment)
bAV is Hartz IV-proof