Sectors
bAV and bKV for the public service
Supplement the classic civil service pension and VBL with modern, flexible pension solutions for all employees in the public sector.
Our target groups in the public service
Municipalities
Cities, municipalities, districts and municipal companies
Authorities
Federal, state and local governments
Institutions
Public institutions and corporations
social agency
Social associations and church institutions
Challenges in the public sector
Demographic change
Aging workforce and shortage of skilled workers require attractive additional benefits for young talents.
Supply gaps
Not all employees have access to full civil service benefits. Additional insurance required.
Budget pressure
Public budgets are strained. Cost-efficient solutions without loss of quality are required.
Tailor-made solutions for public services
Additional benefits for employees
- Supplement to the VBL
- TVöD-compliant design
- Budget-neutral introduction
- Compliance security
Civil servant supplementary pension
- Flexible pension supplement
- Aid-compliant health insurance
- Disability protection
- Tax-optimized implementation
Special features for the public sector
Legally secure implementation
Complete compliance with budget law, procurement law and civil service law. All solutions are legally checked and documented.
Political acceptance
Transparent communication and preparation for political committees. Support with internal coordination.
Successful company pension introduction in a large municipality
Initial situation
District town with 800 employees, different pension entitlements
Solution
Differentiated company pension schemes for different employee groups, legally secure implementation
Result
95% participation rate, political approval, role model for other municipalities