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Pension Schemes for Businesses

Helps employees plan their retirement

We offer a wide range of solutions to help you plan your employees’ retirement in a way that suits their needs. In addition, we provide pension schemes designed specifically for sectors with particular collective agreements.

If you are in the Basque Country, you can also consult the Voluntary Social Welfare Entities (EPSV)

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Find out about our Workplace Pension Schemes

WORKPLACE PENSION SCHEMES

Workplace Pension Schemes

A solution in which the company and its employees make contributions towards supplementary retirement savings.
It allows additional cover to be included for death and incapacity.
It offers several options adapted to the needs of the company and its workforce.

WORKPLACE PENSION SCHEMES

Simplified Workplace Pension Schemes

Pension schemes for self-employed workers that allow contributions to supplementary retirement savings arrangements, such as the Simplified Workplace Pension Scheme promoted by ATA for the self-employed.
Sector-wide pension schemes that help companies comply with the obligations set out in the collective agreement for their sector.

WORKPLACE PENSION SCHEMES

Pension Schemes for Associations

They are pension schemes designed so that an association can join immediately, reducing the usual administrative requirements.
Members can take out the scheme at any branch and consult the plan or make contributions online.

WORKPLACE PENSION SCHEMES

Joint Workplace Pension Schemes

They are a type of scheme aimed at SMEs and companies that wish to simplify management by sharing costs and administrative responsibilities through joining a common scheme, making them more accessible than traditional workplace pension schemes.
They allow companies to reaffirm their commitment to their employees’ financial security in retirement.

Beneficios - Plan de pensiones para empresas

Benefits

Flexibility

Self-management of the workplace pension scheme through our VidaCaixa Aporta+ platform allows you to manage it whenever you wish.

Tax advantages

Tax advantages may apply to both the company and employees, in accordance with current regulations.

Convenience

These schemes allow employees to make voluntary contributions and can be easily managed through VidaCaixa Aporta+ or CaixaBankNow.

Transparency

Permanent access to information 24 hours a day, all year round, through VidaCaixa Aporta+ or CaixaBankNow.

Guidance

Personalised guidance through the allocation of an account manager.

Información de productos - Partícipe o beneficiario planes de pensiones de empleo

Product Information

Are you a member or beneficiary of an occupational pension plan?

If you need to review the updated documentation for your pension plan, you can access it directly through the Aporta+ portal. To view it, you will need to log in with your account. If you do not have a user account, you can register on the VidaCaixa Aporta+ website or app.

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FAQs

Frequently asked questions about Pension Schemes for Businesses

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 is a pension scheme for businesses?
- A workplace pension scheme is a benefit you can offer your employees to help them plan their future. It allows them to save for retirement through contributions from the company and, in some cases, also from the employee. These contributions are managed by experts to maximise long-term returns. In addition, it offers tax advantages and strengthens your employees’ future financial security by supplementing their state pension.
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 pension scheme for businesses?
- The company may contribute up to a maximum of €8,500 per year. However, this limit may be increased by an additional €1,500, provided that the increase comes from voluntary contributions made by the employee and these are equal to or lower than the corresponding employer contribution.
  
  Voluntary contributions made by an employee to the workplace pension scheme count towards the combined annual limit of €1,500 for contributions to individual or collective pension schemes, insured pension schemes, corporate social protection plans, certain mutual benefit societies and private insurance that exclusively covers the risk of severe dependency or great dependency.

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Header - Planes de pensiones para empresas

Pension Schemes for Businesses

Helps employees plan their retirement

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