The Post-employment Benefits (pension)
Untapped potential in spite of many possibilities the company pension scheme also occupational pension called represents an opportunity of pension, a supplementary pension to the statutory pensions can be saved with the. In contrast to the Riester pension, she is no private pension, but one that in which both workers and employers are involved. The company pension plan is as well for both sides. In addition to financial benefits, while waving social amenities. In spite of the frequent Council of financial experts and the right to deferred compensation, to opt for a company pension plan many workers do not perceive today still this possibility to build up a second pension. What is the company pension plan? The occupational pensions or pension a way refers to save in a pension that is supplied on the operation. A company pension plan spoken of but also, if an employer says to retirement benefits for disability or death of its employees or workers. This There are different ways to promise these services or to tell.
A company pension scheme can be said to generally every worker, so employees, workers and apprentices. The earlier a company pension scheme is completed, the more it comes together and can keep the standard of living of the operating pensioner aged or help to improve. This brings the post-employment benefits workers who save in a company pension plan, this in addition to the actual pension already received during the vesting tax benefits. For the employer, the company pension plan also brings tax benefits; among other reasons, because the supply of employees as a business expense is declared. Depending on the approval of the employer, this can bind its employees at the company with occupational pensions or his company for potential employees to make more interesting. Post-employment benefits often unknown to the company pension plan addressed is reflected in studies again and again, that many Germans still not have heard or don’t know what a company pension plan.
Others have heard about their employers already, don’t care but for a company pension plan, because they do not know their advantages. According to current estimates by pension experts, 30% of all legitimate just have a company pension plan. Especially young people, who can be the biggest beneficiaries of a company pension plan, do not have access to this form of supplementary pension. It is quite something that the legislature has created possibilities here officially. So, an occupational pensions via salary conversion usually every worker must be offered. This stipulates that workers invested part of his gross salary or gross salary in the own company pension. As a result his tax chargeable income is low and he has to pay not only less taxes, but also lower contributions for health insurance and long-term care insurance. If you have no company pension plan have, then go talk to your employer or the Works Council.