OCCUPATIONAL PENSION PLAN BVG

Herity accompanies you, on an ongoing or on a one-off basis depending on the selected modules, in order to help you to better understand this complex and yet so precious matter for your future.

Our services are charged on a fee basis, which guarantees our complete independence. Any commissions received in the context of a brokerage mandate are disclosed to you in a fully transparent way and deducted from our fees.

Our experts, who are also architects of solutions, will give you the benefit of a real mastery of the subject, for both employees and managers.

Customised and flexible support according to the specific needs of our clients :

ADVICE AND SUPPORT FOR EMPLOYERS

• Description of the different pension models (own, joint or collective foundation ; insurance, bank, association or independent model) ;
• Presentation of the market providers (size, reputation, characteristics, proposed model, various informations) ;
• Identification of relevant pension models in the specific case ;
• Identification of the providers to be taken into consideration in the specific case ;
• Development of the pension plan to be implemented according to the employer’s situation and objectives (sector of activity, workforce structure, salary pyramid, social policy, coordination with other social insurances) ;
• Benchmarking of the pension plan compared to other employers in the same sector ;
• Monitoring the evolution of the pension market (rates, conditions, providers, innovative solutions) and proactive information to seize possible opportunities ;
• Annual guidance and monitoring :
  • Optimisation of financing ;
  • Validation or questioning the chosen model or provider ;
  • Validation or improvement of the pension plan ;
  • Fiscal aspects : buy-ins, employer’s contribution reserve, PEE plans ;
• Conduct of the tender :
  • Collecting the necessary individual data ;
  • Drafting of the specifications (description of the benefit plan, deadlines, etc.) ;
  • Validation of the specifications with the employer ;
  • Receipt of offers, checks and additional questions ;
  • Preparation of the comparative report, meetings with the employer and final recommendation ;
  • Communication of the decision to the participants ;
  • Follow-up and accompaniment of the implementation.

ADVICE AND SUPPORT FOR EMPLOYEES

• Group information sessions, general questions ;
• Individual interviews, answers to questions (one-to-one meetings – 30 min. per person) ;
• Pension assessment ;
• Support in the event of an insured event (disability/death) ;
• Opening of vested benefits accounts ;
• Advice and support in specific individual situations: buying a home, buy-outs, early or deferred retirement, divorce (individual advice paid for by the employer and/or employee) .

CONDUCT OF THE TENDER ONLY

• Collecting the necessary individual data ;
• Drafting of the specifications (description of the benefit plan, deadlines, etc.) ;
• Validation of the specifications with the employer ;
• Receipt of offers, checks and additional questions ;
• Preparation of the comparative report, meetings with the employer and final recommendation ;
• Communication of the decision to the participants ;
• Follow-up and accompaniment of the implementation.

ADMINISTRATIVE AND TECHNICAL MANAGEMENT

• Receipt and control of information sent by the employer ;
• Sending to the pension fund ;
• Receipt and control of the documents sent back by the pension fund ;
  • Pension certificates ;
  • Collective certificates ;
  • Premium and contribution statements ;
  • General correspondence ;
• Subsequent requests to the pension fund (corrections or confirmations, etc.) ;
• Reporting to the employer.