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Who pays what contributions?

Who is insured with comPlan as part of occupational benefits? What salary is insured and what contributions are due? Who makes what contributions to comPlan – a concise and simple overview.


Insured persons


Insured salary

Beginning of membership

End of membership

Voluntary insurance

Amount of the contributions

Changing savings options

Risk contributions

Conversion loss contributions

When you retire, your lifelong pension will be calculated with the conversion rate. Your retirement savings multiplied by the conversion rate result in your yearly retirement pension. The conversion rate with comPlan will be gradually reduced to 5% at age 65 from 01.01.2023. From a technical point of view, however, this rate should be well below 5%. Each retirement thus generates a conversion loss: comPlan pays out a higher pension than the saved assets are able to finance. We close this gap with a contribution of 1.2% of the insured salary total. This contribution is fully funded by your employer.

You can see the amount of the conversion loss contribution for you in your pension statement.

Extra contributions

Volume of extra contributions

Crediting of extra contributions

All details accurate as of September 2021. Subject to change. The provisions of the pension regulations apply in any case.