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Company pensions in Germany from the employer's side
Salary conversion, the compulsory subsidy and the five funding vehicles

Module 122 min2617 wordsFree — no account

Salary conversion, the compulsory subsidy and the five funding vehicles

The lesson53
Worked case2
Quiz1
Sources and links1

In this module

Module 1 of 2

Test yourself

A way to check what has landed — no marks, no account · 1 section · 348 words · 6 min

Test yourself

Question 1 of 6

Question 1 of 6

An insurer pays only part of a promised company pension. Whom can the former employee pursue for the rest?

only the insurerthe employer, who remains liable for the promisenobody, the employee bears the risk

Question 2 of 6

Question 2 of 6

Which funding vehicle grants no legal claim to its benefits?

the Pensionskassethe support fundthe pension fund

Question 3 of 6

Question 3 of 6

Up to what annual amount can an employee demand salary conversion in 2026?

up to 338 eurosup to 4,056 eurosup to 8,112 euros

Question 4 of 6

Question 4 of 6

The business offers a Pensionskasse, the employee wants a direct insurance. Where does the conversion take place?

in the direct insurance, because the employee choosesin the Pensionskasse, because the employer is prepared to use itnowhere, until both agree

Question 5 of 6

Question 5 of 6

An employee converts 180 euros a month and the business saves full social contributions on it. What subsidy must it pass on at least?

18 euros27 eurosnothing, the subsidy is voluntary

Question 6 of 6

Question 6 of 6

A 30-year-old leaves after two years. His pension was purely employer-financed. What happens to the entitlement?

it survives because he is over 21it lapses because the promise did not last three yearsit is paid out to him

Back to the programme Module 2 — nextTax-free up to 8 percent, contribution-free up to 4 percent, and the subsidy for low earners

Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.

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