Every employer, large and small, should offer a pension

In the Netherlands, we do not have a mandatory pension scheme. However, approximately 65% of employers are required to place their pension with an industry pension fund. This means that the other 35% of employers are free to decide whether they want to offer a pension scheme to their employees.

Interestingly, as many as 29% of these employers offer no pension plan at all, while research shows that 93% of working people in the Netherlands consider pension - after salary - to be the most important employment condition.

Retirement is often seen as a major expense, and especially if you are an employer of a smaller company, it sometimes seems as if the costs do not outweigh the "investment. For this group of employers in particular, there are gains to be made - not only for the benefit of employees, but also for themselves.

Pension: attractive and flexible

As an employer, you can decide which pension plan to offer and how to divide the cost of the premium. You can find your own balance: how much you contribute as an employer and what part the employee pays himself. You can choose a scheme that suits your organization and is attractive to your staff. This way you also have control over the costs. There is also an important fiscal advantage: you do not have to pay social security contributions on the pension premium, so this expense is tax deductible. In this way you combine an attractive employment condition with smart cost control.

A strong weapon in the tight labor market

Nowadays it is always a challenge to find and retain good staff. In this tight labor market, the choice for employees is huge. So good fringe benefits can really be decisive. The way to make yourself a more attractive employer is to offer a good pension plan. This shows that you are willing to invest in your employees.

More than a piggy bank

In addition to "a savings pot for later," a pension plan usually includes insurance against the unforeseen financial consequences of death or disability. Depending on the coverage, a lifetime benefit is also provided in the form of a survivor's pension in the event of an early death during employment. This benefit goes to the partner and, in most cases, any children of the deceased employee also receive a benefit in the form of an orphan's pension.

If the employee becomes disabled during employment, pension accrual is normally continued, this may also be in part and depends on the degree of disability. With this, pension thus constitutes an additional financial security even when life does not turn out as hoped.

Make a difference

AOW benefits alone are usually not enough in later life to continue your life the same way. In addition, it is often difficult for many employees to save for a pension themselves. Therefore, the employer can create additional value for itself by offering a pension plan and supporting the employee in this area.

Schouten Zekerheid 's pension specialists can help you find a good pension plan that suits your needs and those of your employees.