Pension
Prevention
Attract and retain talent with lalux-Staff Protect: a supplementary pension plan with tax benefits, flexible and 100% digital for you and your staff.
#LALUXOfficeTalk Insurance lalux-Staff Protect
Full information in one video
Have you considered implenting a supplementary pension scheme? This could be the crucial component of your salary package that will enable you to recruit the talents you're looking for.
lalux-Staff Protect is a supplementary pension scheme funded by the employer. It allows you to plan the retirement of your employees and to add an additional coverage in the event of death or disability. Members can also complete it by adding personal contributions.
There are many advantages :
- As an executive, you benefit from an attractive tax framework. Indeed, the costs are tax-deductible as operating expenses. Premiums are exempt from any social security contributions.
- You are free to cover all your employees or to limit your plan to a specific category. You choose the coverage corresponding to your budget, and practices and customs of companies in the same sector.
- Finally, the digital tool easyPENSION PRO makes it easy to manage your pension plan.
For your employees, there are also numerous benefits :
- They are covered in case of unforeseen life events, they choose their own investment type : guaranteed return solutions or investment funds, and they can redefine their choice every year.
- They can supplement their pension plan with personal contributions of up to € 100 per month.
Thanks to these, they immediately benfit from tax advantages on their monthly salary. When they retire, the savings are available as a capital. In the event of death before their retirement, the savings will be paid to their beneficiaries.
At an equal cost for the employer, this scheme is, from a tax point of view, more advantageous than a pay rise or a bonus.
Finally, they also have access to the easyPENSION PRO tool to consult their assets, manage investments and even more. Today more than 40.000 employees already benefit from advantages of lalux-Staff Protect.
Would you also like to offer these benefits to your staff? Seek advice from Luxembourg's leading life insurer. Our experts will help you determine the solution that meets your expactations and those of your employees.