What will remain the same for me as an employer? And what changes?

There are critical similarities between the new and the current pension schemes:
  • Pension remains an employment condition that is agreed on by employers and employees during collective bargaining.
  • Employers and employees pay the premium together.
  • The pensions are paid out for life and the risks of old age, death and occupational disability are shared.
  • Employees will still be able to accrue pension through mandatory participation.

There are also important differences:

  • Everyone will have a contribution scheme in the new pension; the solidarity contribution scheme or the flexible contribution scheme.
  • The contribution will be leading in the new pension schemes where the commitment is the contribution. The contribution is invested together with the pension contributions of other participants.
  • The accrual percentage and the cost-effective premium will disappear, making the annual premium burden more predictable.
  • In the new pension schemes, the employee accrues a personal pension capital with the contributions paid by him and investment results. This makes it clearer what the employee pays in terms of contributions and what he or she accrues in capital. With this, the employee purchases a pension benefit when he or she retires. There will be a new benefit form; a variable benefit.
  • In the new pension, pensions are increased or decreased annually as a result of the returns on investment achieved. Pensions will therefore adapt more to the economy.
  • The flat-rate contribution will be abolished. The contribution paid by the employee is age-independent. This means everyone will be paying the same contribution.
  • In the new pension schemes, investments are age-dependent and are made with the employee’s paid (age-independent) contribution.
  • In the new pension, the survivor’s pension is insured on a risk basis.

Want to know which options you have in the new pension? Then check out our concept product proposal.