Company pension scheme: Tax burdens and social security contributions play an important role in the settlement of occupational pension entitlements. In the guest article, Dr. Fiala and Peter Schramm show optimisation possibilities. Severance pay for company pension schemes (bAV) as a tax-saving model The State Social Court of Baden-Württemberg (ruling of 24 March 2015, file […]
Artikel zum Thema: Action for a declaratory judgment
When employers are liable for reductions in pension funds
– How advisors, brokers and pension funds are taken into recourse in time – A daily newspaper from southern Germany misleads its readers with the title “Erste Pensionskasse reduces company pensions”. For neither are company pensions reduced if the pension fund cuts its benefits. This is still the first pension fund where pensions and […]
Legal protection: When is it worthwhile to take out a cover action?
Insurance companies offer the customer a good feeling until the customer is then faced with a mostly justified refusal of benefits in the event of a claim. The vast majority of intermediaries have hardly any market overview for a comparison of offers at home and abroad – especially not the customer. The broker lets a […]
Insured event in legal expenses insurance (RSV): When does it make sense to file a coverage claim if benefits are denied?
Insurance companies offer the customer a good feeling until the customer is then faced with a mostly justified refusal of benefits in the event of a claim. The vast majority of intermediaries have hardly any market overview for a comparison of offers at home and abroad – especially not the customer. The broker lets a […]
Insurer: No statute of limitations after commitment
If the insurance company has acknowledged a claim but has not settled it over a long period of time, it cannot subsequently invoke an alleged limitation period for its claims. This was decided by the Oldenburg Higher Regional Court. In the following article, our experts, lawyer Johannes Fiala and expert Peter A. Schramm, explain what […]
BGH – Liability of tariff change optimizers also applies to old cases
Health insurers may demand an exclusion of benefits in the target tariff if the policyholder changes tariffs. The policyholder does not need to have an increased risk for this. This is clear from a ruling of the Federal Court of Justice (BGH). As a result, tariff change optimizers who accept unreasonably high risk surcharges for […]
Infinitely high unseizability of Rüruprente or basic pension confirmed
Rürup annuities or basic annuities are in principle not inheritable by contract, as agreed with the insurer, nor can they be properly terminated, lent or sold, nor pledged. This requirement for tax deduction results from § 10 I No. 2b EStG. Experts of the company “Wikipedia” think that the Rüruprente according to § 851c […]
Lawyer recommends to conclude basic pension (Rürup pension) explicitly with stupid insurance brokers
Rürup pension: As the first lawyer in Germany, the well-known Munich lawyer Dr. Johannes Fiala expressly recommends the search for a stupid insurance agent. The statement is supported by the actuary and co-author Peter A. Schramm. This applies in particular to Rürup contracts, which promise attachment security during the savings phase. Ensure security against seizure […]
Rürup: No attachable surrender value? Yes, I do!
Rürup annuities or basic annuities are in principle not inheritable by contract, as agreed with the insurer, nor can they be properly terminated, lent or sold, nor pledged. This requirement for tax deduction results from § 10 I No. 2b EStG. Experts from “Wikipedia” think that the Rüruprente according to § 851c II ZPO represent […]
Are basic pensions unseizable?
Are Rürup or basic pensions attachable? And how are lawyers and insurance intermediaries liable for protection in the event of insolvency? These are the questions posed by attorney Dr. Johannes Fiala and Dipl.-Math. Peter A. Schramm in the guest article. Rürup annuities or basic annuities are in principle not contractually inheritable, as agreed with […]