My greatest asset
A crucial part of a company's gear is its employees. For this reason, undertaking loyalty actions and improvements in social benefits are actions that can have repercussions on improving productivity and belonging to the project.
Social benefits for employees
Discover our insurance and savings plans for employees
FAQs
With Individual insurance, each person has a different family, financial or professional situation, insurance needs for maintaining a similar standard of living in the event of an accident are also different.
Individual accident insurance offers various types of insurance to protect all areas of private life, from trips and travel to the practice of simple sports.
In addition, these products offer the possibility of extending the insurance with a series of complementary guarantees that allow the policy to be customised.
Group accident insurance is designed to protect members of a group from common, unforeseen events that may occur during the performance of a specific activity.
There are basically three differences between a retirement plan and a pension plan:
Performance
A retirement plan offers a moderate return, based on legal technical interest, whereas with a pension plan the return is determined by the pension fund's investments, be they shares, bonds or both, shown by the level of risk which the client wants to assume.
Tax
The beneficiaries of a retirement plan are taxed when they receive payment on the difference between the sum received and the contributions made. On the other hand, pension plans allow you to deduct your contributions in your annual tax return, the maximum being 8,000 euros a year.
Availability
With a retirement plan, the holder can redeem the money at any time in accordance with the cases provided for by current law. With pension plans, on the other hand, you may only have the money constituted at the time of retirement or in the cases laid down by law, i.e. in the event of serious illness or long-term unemployment. In addition, with effect from 2025 those pension plans which are at least 10 years old may be redeemed.
If what is sought is to encourage the most valuable employees by giving them an additional income subject to them staying with the company or at the end of certain projects, the best thing is to resort to bonuses for employees, loyalty plansand also annuity insurance.
On the other hand, if the aim is to adjust the payroll in an orderly manner, well perceived by the workers, by giving them an additional payment to supplement payments linked to Social Security, you ought to think about pre-retirement plans.
Lastly, if you want to contribute to your employees receiving a payment that supplements their retirement pension when they retire, the solution is retirement plans.