Not every employee builds up an extensive supplementary pension through their employer. In companies without a group insurance plan or with a limited pension scheme, this can make a difference for future pension income.
With the Voluntary Supplementary Pension for Employees (VAPW), employees have the opportunity to accumulate additional pension through their salary. The initiative lies with the employee, but the contribution is practically arranged via the employer.
For employers, this is a simple way to offer employees additional pension opportunities without incurring extra wage costs themselves. Van Dessel guides companies and employees in the practical implementation and selection of a suitable pension solution.
The Free Supplementary Pension for Employees (VAPW) is a pension scheme within the second pension pillar that allows employees to voluntarily build up an additional pension through their employer.
The employee decides whether to participate and determines how much they want to contribute within legal limits. The employer deducts this contribution from the net salary and transfers it to a pension insurance or pension fund.
This scheme is especially interesting for employees:
The accrued capital is paid out when the employee retires.
Covers the accumulation of an additional pension capital on top of the statutory pension.
Offers an additional pension solution for employees without a group insurance plan.
Enjoy tax-advantaged saving, thanks to a tax reduction on your contributions.
Covers flexibility in contributions, allowing employees to determine their own savings amount within legal limits.
The VAPW is intended for employees who want to strengthen their pension.
This solution is especially relevant for:
Although the initiative lies with the employee, the employer plays an administrative role by processing the contribution through the payslip.
The contribution for a VAPW is entirely determined by the employee themselves, within the legal limits.
The maximum contribution is generally up to 3% of the gross salary from two years prior, with a legally defined ceiling. If there is already a group insurance plan, the available amount is adjusted based on the existing pension accrual.
The contribution is automatically withheld from the payslip and transferred to the pension institution.
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