Frequently asked questions

Common questions asked by our clients.

What is an employee pension scheme?

In Germany, it is a kind of pension insurance. Your employer pays a part of your salary, before it is taxed, into a pension contra...
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How high is the widow’s pension in the case of an occupational pension?

Anyone who, in addition to the widow’s pension, has income from an occupational pension, from private pension provision, fro...
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How high should the occupational pension be?

A good guideline for determining the pension amount is 70 to 80 percent of your net salary. Make sure that you choose a contract w...
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How is a company pension protected?

Entitlements from a company pension with deferred compensation cannot lapse by law. The entitlement to the benefit from the contri...
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How does the occupational pension work?

The contributions for a subsequent occupational pension can be made by the employer, the employee or both together. In the case of...
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How is the VBL occupational pension taxed?

When the VBL occupational pension is paid out in old age, it must be taxed as income (deferred taxation). This is because the cont...
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Where do I enter the occupational pension in my tax return?

Anyone who receives a company pension in old age must declare the money from the pension fund as income in the tax return and pay ...
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Who pays the occupational pension?

Either the employer (AG) and the employee (AN) together or only the AG can pay into the occupational pension scheme (bAV). If the ...
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Who pays for the company pension scheme?

Employers and employees can pay contributions to the company pension scheme or they are borne entirely by the Employer. If the emp...
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What happens to the company pension in the event of termination?

If you quit your job, the employer does not continue to pay the contributions for the occupational pension scheme. However, the co...
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How is the company pension scheme taxed when it is paid out?

The tax office gives you a tax-free pension allowance plus a supplement. The amount depends on the year in which you first receive...
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How much tax is paid on company pension?

A deferred compensation in accordance with § 3 No. 63 EStG is tax-free for the bAV (Company Pension). As an employee, you pay you...
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How do Company Pensions work?

A company pension plan is an additional supply which promises either a retirement rate, a survivor performance or a hedge of biome...
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