The flexibility of contributions to your occupational pension
Contribution changes | Contribution dynamics |
Stay Flexible and Adaptable.
A key advantage of direct insurance is the ability to set high and flexible contributions, primarily financed through government incentives. And there's a special advantage for employers: all the pension products recommended by the team of experts at Pension+Services are fully flexible and can be adapted to your current professional or personal situation at any time.
Our commitment to you
The ideal mix of personal requirements, employer contributions and state subsidies is determined on a personal basis.
Contributions to direct insurance can be adjusted flexibly at any time, from zero contributions to the maximum limit (€676 per month starting 2026).
Contribution changes can take effect with the next payroll.
Each time contributions increase, we evaluate whether an adjustment to the existing contract is advisable or if an additional contract would offer more value based on market trends.
The New “Pension Dynamics” Starting in 2025:
The contribution assessment ceiling (BBG) of statutory pension insurance is the basis for determining the maximum eligible contribution in direct insurance. This ceiling typically increases slightly each year to account for income trends and inflation. The new “Pension Dynamics” available from 2025 automates the contribution in such a way that the maximum employer allowance and tax and social security savings are always used for the pension.
The following options are available:
On average over the last years, about €8 gross / €3.50 net per month.
On average over the last years, about €16 gross / €9 net per month.
How it works:
Since the amount can vary from year to year, we always provide information at the beginning of November about the expected impact in the coming year. There is no obligation to participate in a contribution increase – a short message before the end of the year is sufficient. Of course, there is always the option of adjusting the contribution manually, both upwards and downwards.
Pension+Services takes care of legally compliant documentation and implementation with the pension provider.
Automatic contribution holiday:
In special life situations such as maternity or parental leave or a longer illness, the contribution holiday automatically pauses contribution payments to avoid financial burdens. At the same time, there is always the option of continuing to pay contributions privately and maintaining the pension. A short message is all that is needed – the Pension+Services team will take care of the rest.
This is how retirement provision remains flexible and individually adaptable!
Are you wondering what a contribution adjustment might look like for you, or do you already have a specific idea? Our pension team is there for you and will be happy to support you!
unpaid leave periods
Perhaps you're considering taking a career break or expecting children! Your company pension plan is as flexible as your life.
change of employer
Nothing is more constant than change. And that's why your company pension scheme won't stand in your way either.
tax and social contributions
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!