But that's not all: everything you save together with your employer is deducted directly from your gross salary. Your occupational pension is therefore tax-free during the savings phase and you can save on social security contributions.
The occupational pension scheme offers you a sensible way to compensate for losses in statutory pension insurance and take your future into your own hands!
Important for you!
All the information you will find here applies to direct insurance policies from 2005 onwards and to pension funds in which you have opted to participate as part of deferred compensation.
If you have any questions about other forms of company pension schemes, please contact us directly.
Bojan is happy to take time to answer your questions as an expert.
Nein, du wirst nicht automatisch in die betriebliche Altersversorgung eingeschrieben. Dein Arbeitgeber bietet dir die Möglichkeit, an der betrieblichen Altersversorgung teilzunehmen. Du kannst dich nach einer ausführlichen Beratung bewusst für dieses Angebot entscheiden.
You are free to choose your contribution to the occupational pension scheme. We will then calculate your individual state subsidy and the amount of the employer subsidy.
If you wish to increase your contributions, we'll gladly check if it's possible within the framework of your existing contract and let you know promptly. In most cases, there are no obstacles to this.
Reducing contributions is always possible.
You will receive a copy of the insurance policy when you sign the contract. If your employer does not send you the original policy at the beginning, you will receive it at the latest when you leave the company.
As your employer's pension team, we provide each employee with a login for our online portal. This allows you to view the annual status reports on your company pension plan and all other relevant documents online. If you no longer have your login, please contact us at support@pension-it.de.
Important for you to know: there is an annual status report on your contract. However, depending on the insurer, it can take up to 24 months for the first status report to be sent out, as it is not initiated immediately everywhere.
You are welcome to make an appointment with our service team here:
Perhaps you're considering taking a career break or expecting children! Your company pension plan is as flexible as your life.
Nothing is more constant than change. And that's why your company pension scheme won't stand in your way either.
Save on taxes through company pension schemes? Yes, get support from the government and find out here how and when you'll save on tax and social security contributions!