We want to offer our employees an occupational retirement provision that goes beyond the basic cover. What options do we have?
You can make your employees' retirement provision more attractive with all our retirement provision solutions, both in terms of retirement savings and risk benefits. In general, the following is true: The needs of full-time employees are usually well met. There is a lot of potential for optimization, especially in the following personnel categories.
- Part-time employees: In the case of part-time employees, the mandatory insured benefits often do not adequately cover the pension needs. You can change this by adjusting the coordination deduction in line with the part-time degree of employment.
- Trainees and employees under the age of 25: While insurance for invalidity and death takes effect from the age of 18, actual retirement saving does not begin until the age of 25. You can, however, enable your employees to save for retirement earlier. Since these payments have a very long investment horizon, they increase the pension assets noticeably.
- Management employees and high salaries: If you want to provide your management personnel and/or employees with high salaries with additional risk benefits and savings options, this can be done within the basic provision of Vita Invest or with specific supplementary pension plans with Vita Select or Vita Plus. We would be happy to advise you personally.