Occupational pension schemes
Many employees have access to an occupational pension but do not know the details. We look at what your employer offers and how it fits the rest of your planning.
Understanding what your employer offers: what is included and what happens when you change jobs.
Who this advice is for
This topic may be relevant to you in the following situations:
- Employees with an existing or offered contract
- People about to change employer
- Companies that want to explain their offer to staff
What we clarify together
A suitable recommendation starts with the right questions. In a personal consultation, we look at:
- How large is the employer contribution and how is salary converted?
- What happens to the contract when changing jobs or during parental leave?
- How does salary conversion affect your net income?
How we approach the consultation
We proceed step by step so that you can understand the options and make an informed decision:
- Go through the existing commitment or offer
- Assess the effect on net income, pension and other provision
- Formulate open questions for your employer together
What you should keep in mind
Before making a decision, it is important to consider the following points:
- Benefits follow exclusively from the respective pension commitment.
- Salary conversion changes the basis for other entitlements.
- When changing employer, the rules on continuing the contract matter.
Common questions
My employer offers something – what now?
Bring the documents. We go through them point by point so you know what you are deciding about.
Can I take an existing contract with me?
That depends on the implementation route and the contractual rules. We look at it together.