More and more companies want to offer their employees additional financial security for the future. Alongside the statutory pension, a supplementary pension can play an important role in helping employees maintain their standard of living after retirement.
An Individual Pension Commitment (IPC) for employees allows an employer to build up a supplementary pension for a specific employee, such as a senior executive or key employee. This is done through an individual pension insurance policy funded by the employer.
For businesses, an IPC is an effective way to reward, motivate and retain valuable talent. Van Dessel helps companies design a pension solution that aligns with their HR policy and remuneration strategy.
An Individual Pension Commitment (IPC) for employees is a supplementary pension plan arranged by an employer for an individual employee.
Through this plan, the employee builds up supplementary pension capital in addition to:
The premiums are paid by the employer and invested through a pension insurance policy or pension fund. The accumulated pension capital is paid out when the employee retires.
This arrangement forms part of the second pension pillar, under which employers contribute to the supplementary pension savings of their employees.
Provides supplementary pension capital in addition to the statutory pension.
Provides an individual pension solution for key employees or senior executives.
Provides an additional financial benefit for employees without directly affecting their net salary.
Provides a valuable tool for rewarding and retaining key employees within your organisation.
An Individual Pension Commitment (IPC) can be arranged for:
Unlike a group insurance scheme, an Individual Pension Commitment is not intended for all employees, but for a specific employee or a limited group of employees.
The premium for an Individual Pension Commitment (IPC) is determined by several factors, including:
An Individual Pension Commitment is always tailored to both the employer's and the employee's specific situation. Annual contributions are subject to statutory limits. An IPC can only be introduced if all employees are already covered by a basic pension scheme, may only be granted on an occasional basis, and cannot be established during the final three years of an employee's career.
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