{"id":16022,"date":"2020-11-25T16:45:14","date_gmt":"2020-11-25T15:45:14","guid":{"rendered":"https:\/\/fiala.de\/the-company-pension-scheme\/"},"modified":"2024-09-11T02:53:24","modified_gmt":"2024-09-11T00:53:24","slug":"the-company-pension-scheme","status":"publish","type":"page","link":"https:\/\/www.fiala.de\/en\/fields-of-law\/the-company-pension-scheme\/","title":{"rendered":"The company pension scheme"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"16022\" class=\"elementor elementor-16022 elementor-14158\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f73a3f e-flex e-con-boxed e-con e-parent\" data-id=\"8f73a3f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1592585 elementor-widget elementor-widget-heading\" data-id=\"1592585\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">If the company pension does not deliver what you were promised<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7187a5a elementor-widget elementor-widget-text-editor\" data-id=\"7187a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Every day we learn from politicians and the media that the <strong>statutory pension<\/strong> will at some point not be sufficient to maintain the accustomed standard of living in life after a professional career. Those of us who have taken out a <strong>company pension in addition to the statutory cover feel supposedly more secure because they receive additional provision in old age when they enter retirement.<\/strong> Often, however, we see with our clients, at the latest when the first payment arrives on the account, that the surprise or better the <strong>disappointment<\/strong> is big, if the <strong>company pension scheme<\/strong> turns out to be significantly lower than expected. This is often the case and it affects both employees who have concluded a conversion agreement with their employer and <strong>entrepreneurs<\/strong> themselves, especially from medium-sized companies who have concluded a <strong>bAV<\/strong> for their own pension provision.<\/p>\n<p><\/p>\n<p><\/p>\n<p>At this point it should be noted that this is independent of which of the currently <a href=\"https:\/\/www.tagesspiegel.de\/wirtschaft\/betriebsrente-vier-modelle\/176312.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\"vier m\u00f6glichen Varianten der betrieblichen Altersvorsorge (\u00f6ffnet in neuem Tab)\" class=\"external\">four possible variants of company pension schemes<\/a> or five you have chosen or have been given by your employer. There are several causes for this imbalance between the pensioner&#8217;s expectations and the actual <strong>available pension<\/strong>, which are mainly to be found in the nature of the pension model itself. Furthermore, the occupational pension scheme does not only offer advantages for both employees and employers, as you can see below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e97e95a e-flex e-con-boxed e-con e-parent\" data-id=\"e97e95a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9202a3 elementor-widget elementor-widget-heading\" data-id=\"a9202a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overview of the five options for a company pension scheme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2b6eec elementor-widget elementor-widget-text-editor\" data-id=\"e2b6eec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n\t<li>Direct commitment<\/li>\n\t<li>Support Fund<\/li>\n\t<li>Pension Fund<\/li>\n\t<li>Direct insurance<\/li>\n\t<li>Pension funds<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6dae11e e-flex e-con-boxed e-con e-parent\" data-id=\"6dae11e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c84e488 elementor-widget elementor-widget-heading\" data-id=\"c84e488\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is actually a company pension scheme?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b1bc04 elementor-widget elementor-widget-text-editor\" data-id=\"0b1bc04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The company pension scheme, also called company pension or, as it is more and more often called in advertising, remuneration optimisation, is in its state-subsidised form of <strong>remuneration conversion<\/strong> a tax shifting model for provision in old age. It allows <strong>employees and employers<\/strong> to use, as it were, the agreed, converted part of income excluding income tax and social security contributions for old-age provision. Up to this point, this sounds very promising for all parties involved, because the employee provides for his or her pension and at the same time saves on social security as well as taxes and the solidarity surcharge. The employer also saves, as mentioned<strong> social security contributions<\/strong> and, of course, the insurance companies also benefit, because they have another contract in their pocket for the next decades.<\/p>\n<p><\/p>\n<p><\/p>\n<p>One might think that there is a happy end for everyone, but there are many decades between the conclusion of a <strong>company pension plan and the actual drawing of the pension.<\/strong> A large number of different problems arise for both employees and employers, which come to light in particular when the employee retires. Below we have listed the most common disadvantages\/problems of the occupational pension scheme that repeatedly lead to uncertainty and dissatisfaction among those affected. We will also be happy to help you with the <strong>many-sided problems<\/strong> related to the topic of deferred compensation and occupational pension schemes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76270b6 e-flex e-con-boxed e-con e-parent\" data-id=\"76270b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d51599a elementor-widget elementor-widget-heading\" data-id=\"d51599a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The disadvantages of company pensions for employees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1e8240 elementor-widget elementor-widget-text-editor\" data-id=\"a1e8240\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>lower retirement pension and reduced earning capacity pension<\/li>\n \t<li>lower unemployment benefit<\/li>\n \t<li>lower sickness benefit<\/li>\n \t<li>Pension payments of the company pension are subject to income tax<\/li>\n \t<li>Contributions are attributable to pension payments of the company pension to health and long-term care insurance<\/li>\n \t<li>Sometimes enormous deviation from sample calculation and actual pension after deduction of all costs<\/li>\n \t<li>The sale of the company abroad and the employer&#8217;s obligation to pay can lead to losses<\/li>\n \t<li>insolvency risks: Employer insolvency, insolvency of consultants and brokers, insolvency of product providers (e.g. investment funds, life insurance companies, asset managers).<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-809803e e-flex e-con-boxed e-con e-parent\" data-id=\"809803e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f01e2af elementor-widget elementor-widget-heading\" data-id=\"f01e2af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our company pension scheme benefits for employees<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34b9d59 elementor-widget elementor-widget-text-editor\" data-id=\"34b9d59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>Checking your insurance documents with regard to a<strong> reversal of the company pension scheme<\/strong><\/li>\n<li>Enforcement of an increase in the bAV with the employer<\/li>\n<li>Support during the audit with regard to the economic efficiency of an already completed occupational pension scheme<\/li>\n<li>Examination of the legal possibilities with regard to the <strong>responsibility of the employer for repairs in the event of a loss of benefits by the pension provider<\/strong><\/li>\n<li>Litigation and judicial assertion<\/li>\n<li>Optimisation of charges in the planning of old-age provision and pension schemes, including the design of severance payments<\/li>\n<li>Enforcement of claims for damages against banks, insurance companies, together with (also freelance) consultants &#8211; including future damages<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d343042 e-flex e-con-boxed e-con e-parent\" data-id=\"d343042\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61f45b8 elementor-widget elementor-widget-heading\" data-id=\"61f45b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pitfalls of company pensions for employers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4adf38b elementor-widget elementor-widget-text-editor\" data-id=\"4adf38b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>Obligation to pay compensation to employees in the event of a failure of the pension provider<\/li>\n<li>Obligation to review the adjustment<\/li>\n<li>trade sale<\/li>\n<li>Consultant&#8217;s liability in the mediation of contracts<\/li>\n<li>Regulation of <strong>company succession \/ <\/strong>advance succession, if any<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9de1d96 e-flex e-con-boxed e-con e-parent\" data-id=\"9de1d96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b961af elementor-widget elementor-widget-heading\" data-id=\"7b961af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our company pension scheme services for employers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c98f7b elementor-widget elementor-widget-text-editor\" data-id=\"3c98f7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>Accompaniment of expert <strong>actuarial expert opinion <\/strong> <\/li>\n<li>Reorganisation and compensation of the occupational pension scheme as a tax-saving model<\/li>\n<li>Advice on the obligation to review the adaptation<\/li>\n<li>Advice on company acquisitions and risk analysis, including inheritance cases and company sales<\/li>\n<li>Litigation and judicial assertion<\/li>\n<li>Support in the formation of a foundation as an <strong>alternative to the classic occupational pension scheme for entrepreneurs<\/strong><\/li>\n<li>Legal and economic advice to employers regarding the choice of pension model<\/li>\n<li>Cost optimization in case of imminent liquidity trap and\/or pensioner GmbH, including restructuring<\/li>\n<li>Design and examination of insolvency protection regarding gaps in protection, including trustee agreements, and so-called insurance shells of foreign insurers<\/li>\n<li>Enforcement of claims for damages against banks, insurance companies, together with (also freelance) consultants &#8211; including future damages<\/li>\n<li>Planning and control of models concerning time value accounts and partial retirement, as well as their compensation.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a06a89c e-flex e-con-boxed e-con e-parent\" data-id=\"a06a89c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-839e0d5 elementor-widget elementor-widget-heading\" data-id=\"839e0d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Helpful further articles on the topic of company pension schemes for employees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0029f7 elementor-widget elementor-widget-text-editor\" data-id=\"b0029f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.fiala.de\/betriebliche-altersversorgung-verhindert-keine-altersarmut-4\/\">Occupational pension schemes do not prevent poverty in old age<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de\/arbeitgeber-haften-vielfach-gegenueber-mitarbeitern-bei-betrieblicher-altersversorgung-2\/\" target=\"_blank\" rel=\"noopener\">Employers are often liable to employees for company pension schemes<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de\/wie-das-vertrauen-in-die-bav-zerstoert-werden-kann\/\" target=\"_blank\" rel=\"noopener\">How trust in the occupational pension scheme can be destroyed<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3afafc e-flex e-con-boxed e-con e-parent\" data-id=\"d3afafc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50768ee elementor-widget elementor-widget-heading\" data-id=\"50768ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Helpful further articles on the topic of company pension schemes for employers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de4b06f elementor-widget elementor-widget-text-editor\" data-id=\"de4b06f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.fiala.de\/wenn-arbeitgeber-fuer-kuerzungen-von-pensionskassen-haften\/\" target=\"_blank\" rel=\"noopener\">When employers are liable for reductions in pension funds<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de\/wie-unausgegorene-betriebsrentenzusagen-richterliche-auslegung-ermoeglichen\/\" target=\"_blank\" rel=\"noopener\">How half-baked company pension commitments can be interpreted by the courts<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de\/betriebliche-altersvorsorge-unternehmer-muessen-mit-klagewelle-rechnen\/\" target=\"_blank\" rel=\"noopener\">Occupational pension provision: entrepreneurs must expect a wave of lawsuits<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de\/betriebliche-altersvorsorge-bei-insolvenz\/\" target=\"_blank\" rel=\"noopener\">Company pension scheme in the event of insolvency<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50788bb grey e-flex e-con-boxed e-con e-parent\" data-id=\"50788bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e36514 elementor-widget elementor-widget-heading\" data-id=\"8e36514\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Press articles and publications<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cd235e e-con-full e-flex e-con e-child\" data-id=\"7cd235e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5e6d7 elementor-widget elementor-widget-text-editor\" data-id=\"4d5e6d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Here you will find selected technical terms. Click on a keyword You will receive corresponding press articles and publications as current search results. Please do not hesitate to contact us for further information.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90833ea e-con-full e-flex e-con e-child\" data-id=\"90833ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-172a154 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"172a154\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.fiala.de?s=Abfindung\">Compensation<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Absicherung\">Protection<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Absonderungsrecht\">Right of segregation<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Altersteilzeit\">Partial retirement<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Arbeitgeberhaftung\">Employer liability<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Aufrechnung\">Offsetting<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Ausfallhaftung\">Ausfallhaftung<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Auslagerung\">Outsourcing<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Aussonderungsrecht\">Right of segregation<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Beleihung\">Lending<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Berufsunf%C3%A4higkeit\">Disability<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Betriebs%C3%BCbergang\">Transfer of business<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Betriebsvereinbarung\">Company agreement<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Direktversicherung\">Direct insurance<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Direktzusage\">Direct commitment<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Doppeltreuhand\">Double escrow<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Genossenschaft\">Cooperative<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Hinterlegung\">Filing<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Insolvenzanfechtung\">Insolvency challenge<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Insolvenzgeld\">Insolvency money<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Insolvenzschutz\">Insolvency protection<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Invalidit%C3%A4t\">Disability<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Kapitaldeckung\">Capital cover<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4619ebc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4619ebc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.fiala.de?s=Konkursprivileg\">Privilege of bankruptcy<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Leistungszusage\">Defined benefit plan<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Managerhaftung\">Manager liability<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Pensionssicherungsverein\">Pension Protection Association (PSV aG)<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Pensionszusage\">Pension commitment<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Pfandreife\">Deposit maturity<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Pf%C3%A4ndungsschutz\">Attachment protection<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=P-Konto\">P-account<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Rechtsberatungsgesetz\">Legal Advice Act (RBerG)<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Rechtsdienstleistungsgesetz\">Legal Services Act (RDG)<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Rente\">Pension<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Risikotr%C3%A4ger\">Risk carrier<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=R%C3%BCckdeckung\">Reinsurance<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Treuhandmodell\">Trust model<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=%C3%9Cberschuldung\">Over-indebtedness<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=%C3%9Cbertragung\">Transmission<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Unterst%C3%BCtzungskasse\">Support Fund<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Verpf%C3%A4ndung\">Pledge<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Vertragsverwaltung\">Contract management<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Zeitwertkonto\">Time value account<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Zillmerung\">Zillmerization<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Zusageart\">Commitment type<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Gesch%C3%A4ftsf%C3%BChrer%20Versorgung\">Supply Manager<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.de?s=Versorgung%20gesch%C3%A4ftsf%C3%BChrender%20Gesell%C2%ADschafter\">Supply to managing partner<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If the company pension does not deliver what you were promised Every day we learn from politicians and the media that the statutory pension will at some point not be sufficient to maintain the accustomed standard of living in life after a professional career. Those of us who have taken out a company pension in [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":15327,"parent":15394,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[490],"tags":[],"class_list":["post-16022","page","type-page","status-publish","has-post-thumbnail","hentry","category-category-fields-of-law"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/pages\/16022","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/comments?post=16022"}],"version-history":[{"count":15,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/pages\/16022\/revisions"}],"predecessor-version":[{"id":27537,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/pages\/16022\/revisions\/27537"}],"up":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/pages\/15394"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/media\/15327"}],"wp:attachment":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/media?parent=16022"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/categories?post=16022"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/tags?post=16022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}