"We support you in setting up or adapting a clear and attractive pension plan for your employees. This is how you ensure satisfied and motivated employees".
A good pension not only provides "money for later," but also offers financial security for partner and children in case of death. A complete collective pension plan not only helps keep employees happy, but is also an attractive employment condition to attract new talent.
Many employees automatically assume that their employer has arranged the pension well and only think about it when they are close to retirement. Others complain about the high contributions because they expect there will be nothing left over later anyway.
If you have a group pension scheme for your employees, it is important to ensure that it remains compliant with legal requirements and may need to be tailored to changes in business activities or employer and employee wants and needs.
When adjusting terms of employment, it is crucial that employees are involved in the decision-making process. For larger companies, the works council (OR) even has the right of consent for important changes, such as adjustments to the pension scheme.
Group disability insurance (AOV) is insurance that employers take out for their employees. This insurance provides a safety net in case employees can no longer work due to illness or an accident. The aim is to absorb loss of income due to disability and provide financial security.
Pension advice
Besides salary, one of the most important terms of employmentA good pension not only provides "money for later," but also offers financial security for partner and children in case of death.
A comprehensive collective pension plan not only helps keep employees happy, but is also an attractive employment condition to attract new talent. In addition, a sound pension plan protects income for later against loss of earning capacity due to disability.
The experts at PensioenTijd will support you in setting up a pension scheme that suits your company and employees. We work in full compliance with the legal rules, with your wishes and options at the centre. We provide tailor-made pension advice for every situation.
Does your company already have a pension scheme and is it time to renew the contract? Or do you want to know the impact of changes in legislation or changes in your business activities? With our extensive expertise, we will be happy to help you.
Choose PensioenTijd, your partner for tailored pension advice!
Pension communication
Clarity and insight for your employeesMany employees automatically assume that their employer has arranged the pension well and only think about it when they are close to retirement. Others complain about the high contributions because they expect there will be nothing left over later anyway. Unfortunately, the term pension often has a negative connotation these days. A shame, because in the Netherlands we have one of the best organised pension systems in the world!
Now is the time to explain clearly and unambiguously to your employees how the pension system works and what it means for them. A "good pension" is different for everyone, and life events can affect income both now and in the future. Improving pension communication helps employees understand their financial future and appreciate the schemes you offer as an employer! A clear pension plan can be a strong motivator for your staff and helps keep them happy in the long run.
At PensioenTijd, we offer tailor-made pension communications. We provide:
Presentations: Employees are informed about their pension or sub-topics in an accessible way.
Personal service calls: Employees are helped individually with questions and given tailor-made advice.
Portal guidance: Employees are taken through the pension provider's portal and helped to make choices.
Pension planning talks: Employees are offered a complete financial plan, focusing on future expenses and income.
Whether you opt for a stand-alone pension communication process or want it to be part of a broader pension advice, we always deliver tailor-made solutions that fit the needs of your company and your employees.
Give your employees a better understanding of their pension and use pension communication as a powerful tool to inform and motivate them. Choose PensioenTijd's expert approach!
Pension management
Duty of care completed and ongoing guidanceIf you have a group pension scheme for your employees, it is important to ensure that it remains compliant with legal requirements and may need to be tailored to changes in business activities or employer and employee wants and needs.
In addition, pension providers require the involvement of the adviser during the term of the pension contract, and both employers and employees feel the need to have a point of enquiry for pension-related questions.
At PensioenTijd, the legal care activities are laid down in a Basic Management Agreement. Every year, we carry out an inventory on all important parts of the pension agreement and discuss the results in a personal meeting. This way, you avoid surprises, your scheme complies with current legislation and remains appropriate for your company.
The Basic Management Agreement is also available for employers who do not currently have an adviser (any more), or want to switch for short. Through an intermediary change, this can be achieved.
The Basic Management Agreement is expandable to include customisation and/or communication services such as:
Mutation processing: Entering participant movements on behalf of the employer.
Onboarding interviews: Informing and guiding new members of the pension scheme.
Service calls: In doing so, we give employees personal guidance and insight into their pension accrual.
Portal guidance: Employees get help navigating online pension portals so they can properly track and manage their pensions.
Retirement planning: We support employees in making personal pension planning, so that they know where they stand when retirement approaches.
Stay compliant with your duty of care and be sure of the best pension guidance. Choose PensioenTijd and arrange your pension management today!
OR guidance
Professional support for works councilsWhen adjusting terms of employment, it is crucial that employees are involved in the decision-making process. For larger companies, the works council (OR) even has the right of consent for important changes, such as pension scheme adjustments. But do works councils, employee representatives and HR departments have the right expertise to decide on these?
PensioenTijd's consultants provide professional support and guidance to works councils on pensions and insurable benefits. We provide tailor-made training courses that help works council members understand complex pension matters and the impact of changes to terms of employment. We also offer independent second opinions and can act as a permanent independent advisor to the works council.
With our guidance, we ensure that the Works Council is well informed and prepared so that they can make an informed judgement on changes in employment conditions. PensioenTijd not only supports with knowledge and expertise, but also helps to promote transparent communication and coordination between employer and employees.
Choose PensioenTijd's expert guidance on pension advice and insurable benefits and ensure the Works Council has the right knowledge to make important decisions.
Collective AOV
Employee disability insuranceGroup disability insurance (AOV) is insurance that employers take out for their employees. This insurance provides a safety net in case employees can no longer work due to illness or an accident. The aim is to absorb loss of income due to disability and provide financial security.
Benefits of group disability insurance
Financial security: Employees receive part of their salary in case of long-term disability.
Cheaper than individual insurance: Collective AOVs are often more advantageous because the risks are shared among several employees.
Supplement to statutory provisions: In the Netherlands, there are legal provisions such as the WIA (Work and Income according to Labour Capacity Act), but a collective AOV can further limit loss of income.
Positive impact on employee retention: Employees often feel supported by an employer who provides extra care in case of disability.
By investing in collective disability insurance, as an employer you offer extra security to your staff and create an attractive working environment.
PensioenTijd helps in making the choice. There are even options to combine insurance with retirement.
