Pensions

The occupational pension scheme offers 3 types of benefit.

These benefits can be promised individually or combined with each other. Depending on the pension provider and the options available to the employer, benefits can also be combined. A retirement pension policy can, for instance, be designed to permit a waiver of premiums in the event of occupational disability.

Again, we will be happy to advise you on which variants are best for you.

Retirement pension

The retirement pension is the best-known benefit of an occupational pension scheme. On entering retirement, the employee receives either a capital sum, a lifelong annuity or a combination of the two. However, the capital sum must not exceed 30 % of the total capital available upon commencement of the pension.

Surviving dependents' pension

If the employee dies, a benefit is paid to their surviving dependents. This can take the form of an annuity, but it should be noted in this case that the surviving dependents' pension will only be paid to authorized people within the narrow definition of surviving dependents.

Any other people will receive a death benefit at most.

Invalidity pension

The employer can promise a benefit for the case of occupational disability or permanent incapacity for work. In this case the triggering event is the establishment of occupational disability or permanent incapacity for work. The insured person then receives the agreed annuity upon the occurrence of occupational disability or permanent incapacity for work.