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We know that the amount of information can be a bit overwhelming at first glance.

hat's why we offer you a brief introduction to the most important questions here. And if you don't feel like searching for answers yourself, we're just a click away! Simply contact us directly or arrange a quick chat via Teams with our customer service tea

Our TOP 5

Click here to go directly to the most frequently read FAQs

Employer subsidy
Parental leave
Change of employer
Maternity protection
Tax effect

B

Beneficiaries are your dependants who can receive benefits such as a pension or a payment of a capital sum in the event of your death. This usually applies to spouses and children. Get mor Info here.

C

You have the feeling that you want to cancel your occupational pension scheme. We explain your options here.

Your occupational pension scheme is for you and always stays with you. So you take it with you to a new employer. Get answers to your questions here.

D

Deferred compensation is a central component of occupational pension schemes in which part of an employee's gross salary is channelled directly into a company pension scheme. This converted amount is exempt from tax and social security contributions up to a certain limit. How does this work? You can find the answer here.

Direct insurance is a form of occupational pension scheme in which the employer takes out life or pension insurance for the employee. As a rule, the contributions are financed jointly by the employer and employee and are tax-privileged. In the event of a claim, the employee or their surviving dependants receive the insurance benefits. Read more about the benefits here.

E

This is your employer's share, which flows directly into your personal company pension scheme. At least 15% of your own savings instalment is required by law. We have explained how this works here.

What happens to your existing occupational pension scheme if you change employer? Read more here.

L

If your employer no longer continues to pay your salary, they will no longer make contributions to your occupational pension scheme. Read about your options here.

M

During maternity leave, no contributions are paid into the occupational pension scheme through your employer. However, you still have the choice of whether you want to continue making contributions. Find out more here.

O

A government-regulated and subsidised opportunity to make additional financial security for your retirement. If you want to find out more, click here.

P

You have your reasons and would like to pause paying into your occupational pension scheme. You can find out how to do this here.

The contribution to your occupational pension scheme is usually shown in your payslip under deferred compensation or occupational pension scheme. This amount is deducted directly from your gross salary and is shown separately. Read more about this here.

An individual pension option where you pay contributions yourself in order to receive an additional pension later on. This is certainly a good way to have enough later on, but it lacks the advantage of double savings. Two people pay into the occupational pension scheme! You and your employer! Find out more here.

The occupational pension scheme can also be ‘inherited’. You can find information on how to arrange this here.

R

That's probably the best part. You can indulge yourself. We have summarised tips and information for you here.

S

It doesn't matter whether you're going back abroad or planning to spend some time there. You're right, you should take care of your occupational pension scheme. Click here for more information.

T

The benefits from your occupational pension scheme are taxable as other income in accordance with Section 22 No. 5 EStG. But that's not so bad, we explain why here.

The tax advantage of occupational pension schemes is that the contributions are tax-free or tax-privileged during the savings phase. We explain why this is the case in more detail here.

V

Statutory periods after which claims from company pension schemes are retained even if you change employer. You can find out what you need to know when changing employer here.

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