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PENSION SCHEMES FOR BUSINESSES

Workplace Pension Schemes

A scheme tailored to your workforce



Destacado - Impulsa el bienestar futuro de tus empleados

Support the future wellbeing of your employees

Offering a Workplace Pension Scheme is a simple and effective way to encourage long-term savings among your workforce and reinforces your company’s commitment to their complementary social protection.

Through employer contributions and, where applicable, employee contributions — mandatory or voluntary, as established in the scheme specifications and current regulations — this system allows savings to be accumulated to supplement the state pension at the time of retirement.

In addition, introducing workplace pension schemes strengthens your organisation’s value proposition and its commitment to the long-term financial wellbeing of your team.



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Benefits

  • Offering this benefit can help improve employee satisfaction and commitment, which in turn helps your company retain talent.

  • Contributions may provide tax advantages for both the company and the employee, in accordance with current regulations.

  • It facilitates long-term financial planning by complementing the state pension.

  • It reinforces the company’s reputation as an organisation committed to the wellbeing of its workforce.

Coverage

  • Retirement: This is the main cover; it allows the employee to access the accumulated savings upon reaching retirement age.

  • Work incapacity: In the event of permanent incapacity, whether total or absolute, the member may access the funds early, as provided in the scheme specifications and current regulations.

  • Death: In the event of death, the designated beneficiaries or legal heirs may receive the accumulated capital.

  • Severe disability: Allows access to benefits in situations of severe dependency or great dependency legally recognised.

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FAQs

Frequently asked questions about Workplace Pension Schemes

Still have doubts about workplace pension schemes? Don’t worry, consult our frequently asked questions guide to answer any questions about our products.


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  • What’s a workplace pension scheme?

    • Workplace pension schemes are savings and retirement savings schemes promoted by companies to secure the loyalty of their employees, offer them protection and supplement the state-paid pension they’ll receive when they retire. Generally, a workplace pension scheme is a long-term plan.

  • Who can take part in a workplace pension scheme?

    • Employees of the company who meet the requirements established in the scheme specifications may participate in a workplace pension scheme.

      Where permitted by the regulations and by the scheme itself, self-employed individuals or partners with an employment relationship with the company may also join.

  • How much can be contributed to a workplace pension scheme?

    • Contributions to social protection schemes are subject to the annual limits established by current tax regulations.

      As a general rule:

      • Employer contributions may reach up to €8,500 per year.
      • This limit may be increased by an additional €1,500 per year when the increase comes from employee contributions equal to or lower than the employer contribution.

      Voluntary contributions made by the employee to the workplace pension scheme count towards the combined limits legally established for the different social protection schemes.




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