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Pension

A big part of your contributions to your pension scheme will be allocated to your pensions savings. 

Your basic coverage

Your pension scheme includes a Old-age pension - (lifelong annuity pension) from the age of 60/62. Your life-long annuity pension benefits will be paid out to you monthly for as long as you live. In other words, your life-long retirement benefits will give you financial security throughout your retirement.

It also includes a age-related lump sum - a one-time payment payable after you reach age 60/62 at the earliest.

Your flexibility

Untill 31.12.2012 10% of your contribution to your life-long old-age/annuity pension was used for the age-related lump sum unless you had elected not to receive it. If you do choose to receive the age-related lump sum, your life-long pension, and by extension your spouse/cohabitant and child pension, will be lower as they are set as a percentage of your old-age pension. If you decide not to have the lump sum paid out, the funds remain in your life-long pension. From 1.1.2013 funds are only used for lifelong pension.

Expiring annuity pension – Depending on your terms of employment, you can use part of your obligatory contribution for your expiring-annuity pension: Members employed under public-sector collective agreements: You can use up to one-third of your obligatory contribution for your expiring-annuity pensions.

Private sector employees with group contract: Option to divide payments among life-long annuity pension and expiring-annuity pension, depending on the collective agreement.

Members not employed under a collective agreement: Option to divide payments freely among life-long annuity pension and expiring-annuity pension.