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Who is eligible to apply for Company Pension Schemes (bAV) in Germany?

Who is eligible to apply for

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Written by Nicolai Schieffer
Updated over 5 months ago

If you’re working in Germany, you generally have a right to participate in a company pension scheme, known as betriebliche Altersversorgung (bAV). This applies to nearly all employees, whether full-time or part-time. By law, employees can request to convert a part of their salary into pension contributions, allowing you to save directly from your monthly income for retirement.

What are the employer’s legal obligations under bAV?

Employers must offer a company pension scheme and allow employees to make these salary conversions. Since 2018, employers are required to add an extra 15% to your bAV contributions. This additional contribution comes from the social security savings that employers benefit from when you opt into a bAV. So, not only are you contributing, but your employer is required to help grow your pension savings too.

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