thumb
Key features of company pension plans - bAV
Tax and social security savings
Contributions are usually taken directly from your salary before taxes, so you save on tax and social security while building your pension.
Employer support
Your employer helps grow your pension by contributing alongside you. The exact amount depends on the company and your employment contract. Your employer is obliged to contribute at least his social security savings.
Long-term retirement security
The money you save is paid out when you retire, helping you top up your public (state) pension and feel more secure later on.

Why choose a company pension plan in Germany?

Captura de pantalla 2026-01-12 a las 12.10.27

Secure a more comfortable retirement

Relying on the state pension alone can leave gaps. A company pension plan supplements the state pension, helping ensure you maintain your standard of living in retirement and providing long-term financial stability.

Captura de pantalla 2026-01-12 a las 12.03.53

Employer contributions and tax advantages

When you join a company pension plan, your employer often puts money into it for you too. Plus, the money you contribute comes out of your salary before taxes, so you pay less tax and social security now while building your retirement savings.

Captura de pantalla 2026-01-12 a las 12.07.15

Flexible options to suit your career and lifestyle

Many plans allow you to adjust contributions, choose investment strategies, or combine with other retirement savings, making it adaptable to your personal and professional situation.

Banner Thumb

Great advantages, but lots of details. We’ll guide you through what really matters.

ProvenExpert logo4.9

What people say about us

StarStarStarStarStar

Today I had discussion with Bianca Lukas from MW Expat Solutions, It was amazing support and convincing discussion for the solutions and services of different Insurances offered in Germany. Thank you!

A
Atanas SpasovHR Manager
StarStarStarStarStar

Very helpful, show you all the options, and not pushing towards one particular solution - just finding what works for you and your family. Excellent - Adriana was very very helpful and helped us navigate the confusing options in Germany - thank you!!

M
Mark De CristoOffice Manager
StarStarStarStarStar

Started by reaching out for a consultation as my previous health insurance was coming to a close and I desperately needed to find a German plan. I worked with Dabar Reimer who went above and beyond in the process of assisting me. She helped guide me to a plan that worked for me.

A
Aurelia LeopoldHR Manager

Quick answers to questions you may have

Clear guidance, tailored to your needs — just the best options for you.