Future of the company pensions: Reforms to strengthen pension schemes

The importance of the company pension reform for employees

Berlin (ots)

In the current discussion about the reform of the company pension scheme, the planned 2nd company pension strengthening law plays a central role. The ABA Arbeitsgemeinschaft für Occupational Pensions e.V. manifests itself on the possible effects of this legislation on the employees affected by the reform.

Who are the key players of the reform?

The ABA, represented by its chairman Georg Thurnes, has highlighted the essential aspects of the draft vocal draft towards the Federal Ministry of Labor. The organization has been committed to improving company pensions in Germany for many years.

expected advantages for company pensions

One of the reform measures provided enables companies to make company pension scheme easier through automated deferred conversion. This could lead to broader acceptance among employers and employees, as Thurnes points out: "Experiences from abroad show that such option models increase the spread of retirement."

The call for improvement

However, Thurnes still sees the need for optimization, especially with regard to the 20%employer grant, which is required as a condition for the regulation. "There is no factual reason for this requirement, and we fear that many companies will fail," says Thurnes.

The focus on low earners

Another important aspect of the reform is the new tax funding model that explicitly aims at low -wage earners. Thurnes welcomes the adaptation of the income limit to the contribution ceiling of the statutory pension insurance, but sees the need for further incentives for employers to increase funding.

The role of the social partner model

In addition, the inclusion of unclear employees is made possible, which could expand the perspective for social partner models. This measure promotes flexibility and individual design of employment contracts and could form the basis for common solutions in the care area.

Notes on digitization and reduction in bureaucracy

The ABA also criticizes that little progress has so far been recognized in the de -bureaucratization of the company pension scheme. "The administrative releases in the pension security association are gratifying, but the question remains why the requirements in the proof of proof and tax law cannot be harmonized," complains Thurnes.

The need for reformelan

Finally, Thurnes concludes that despite the many sensible measures of the reform, a stronger reformelan would have been desirable. The implementation of a uniform tax and commercial law assessment for direct applications is also a point that urgently needs to be addressed.

FAZIT

Overall, the planned reform is to be seen as a step in the right direction despite its positive approaches. The direct impact on the pension of employees will be aware of how companies and employees accept the new regulations and opportunities.

The ABA continues to work alongside the companies and employees to sustainably improve the company pension scheme in Germany.