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Vielen Dank. Wir werden uns in Kürze telefonisch mit Ihnen in Verbindung setzen.

Vielen Dank. Wir freuen uns, Sie hier in Kürze wieder begrüßen zu dürfen.

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FAQ - Häufig gestellte Fragen

None! As already explained, your claims are 100% covered by the Pensions-Sicherungs-Verein auf Gegenseitigkeit (PSV for short). The PSV is an institution for the statutory protection of company pension schemes in the event of employer insolvency.

The answer here is a clear "YES". On the one hand, your employer will support you in building up the lump-sum benefit, on the other hand, your deferred compensation will earn interest at 2% per year and at the same time the costs incurred for this company pension scheme will be borne entirely by the employer.

Your lump-sum benefit has been calculated for the statutory retirement age of 67. In order for it to be paid out, you will need your statutory pension certificate. If you retire earlier, your lump-sum benefit will be correspondingly lower.

No - unfortunately not, because your new employer probably does not recognise this BAV implementation route and has chosen a different route for its company pension scheme. If you change employers, your entitlements will be "frozen" with the old employer and continue to accrue interest. Of course, they are still protected against insolvency. When you retire, you simply register with the pension fund or your old employer. Your entitlements will then be paid out.

  • Spouse or partner in a registered civil partnership
  • The named cohabiting partner or partner in a non-registered civil partnership (marriage-like partnership)
  • Children entitled to child benefit up to a maximum age of 25.

If there are no surviving dependants, a death grant can be paid to the next of kin. This amounts to a maximum of EUR 8,000. If the entitlement is less than EUR 8,000, this amount can be paid out as a death grant.

If you are compulsorily insured under statutory health insurance, you have to pay contributions to statutory health insurance and long-term care insurance from pension payments. Since 2020, however, company pensioners only have to pay contributions for the part of their company pension that is above the new allowance of €176.75 per month (value for 2024). The tax-free amount is adjusted annually. If you have private health insurance, there are no contribution obligations.

YES - in the case of deferred compensation below the contribution assessment ceiling of the statutory pension insurance, the benefit from the statutory pension insurance is reduced to a very small extent due to the exemption from social insurance. However, this pension reduction is more than generously offset by the one-off capital benefit from the company pension scheme.

YES - just like your statutory pension is taxed. However, you will generally pay significantly less tax when you retire. Under the provident fund, your payout is taxed on the basis of the so-called "fifth rule", which is more favourable for you than the usual taxation.


Vielen Dank für Ihre Aufmerksamkeit. Sollten Sie Fragen zu Ihrer ‚Rente zu Nulltarif‘ haben, wenden Sie sich bitte an Ihre/n Personalabteilung/-verantwortliche/n.

Vielen Dank. Wir werden uns in Kürze telefonisch mit Ihnen in Verbindung setzen.

Vielen Dank. Wir freuen uns, Sie hier in Kürze wieder begrüßen zu dürfen.



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