Does the employer have to pay capital formation benefits?

In principle, employers do not have to make special payments

• As an employee, you are of course happy when employers pay capital-forming benefits, even if this is not a must. There is only an obligation if the company is part of a collective agreement.
• The collective agreement also regulates the amount of the possible employer's contribution to the capital-forming benefits.
• In some collective bargaining associations, such as chemistry, the company only has to pay for new contracts if the money is invested in a company pension scheme. From a return point of view, this is by far the smartest solution.
• When choosing a VL investment in a company pension scheme, the same criteria play a role as when choosing a private one pension insurance.

Capital-building benefits do not always pay off

• Who only part of his capital formation benefits receives from the employer and would like to pay the full amount, need not be surprised if his net shrinks more significantly than the allowance from the state.


Apply for capital-forming benefits retrospectively - this is how it works

Many employees only start after the end of the probationary period, the capital-forming ...

• Capital-forming benefits are in the form of savings contracts or investment savings Income subject to social security and wage tax, so the employee has to pay taxes pay on it.
• If you, on the other hand, invest the VL in a company pension scheme, the contributions are paid from the gross, and there is often no burden of wage tax and social security contributions elevated even the net.
• This variant is also interesting for employers, because they do not have to pay any ancillary wage costs. So it is worth negotiating so that the entire amount is covered.