The best advantage your employer can offer you lalux-Staff Protect
lalux-Staff Protect - employees
Professionals / Pension companies / lalux-Staff Protect - employees

lalux-Staff Protect - employees

Financed by your company, lalux-Staff Protect is a supplementary pension scheme that guarantees you additional income when you retire. This insurance can also be supplemented by your employer with cover to protect you in the event of death and disability.

For your part, you have the opportunity to make a personal contribution to this plan, within a very advantageous tax framework!       

Advantages

Immediate monthly tax benefit

Each month, your personal contribution directly reduces your taxable salary. You therefore benefit from a monthly tax reduction on your income. Furthermore, the tax benefit comes on top of the other deductions provided for private insurance (life, death, illness, civil liability, accident insurance, etc.). In addition, benefits paid on maturity ae not taxed on income in Luxembourg.

Free adjustment of the amount saved

Depending on your employer’s contract, you decide how much you want to spend on your personal contributions, up to an amount of EUR 1,200 per year.
Each year, you have the possibility to adjust this amount according to your current budget.

Payment in the form of capital

When you retire, the savings you have accumulated through these personal contributions are paid to you in the form of a lump sum.
In the event of premature death, your contributions are not lost! Your savings can be paid out to your heirs in one lump sum.

Are you changing employer? Several solutions are available to you

The savings that you have accumulated through your personal contributions are yours for life. Choose for yourself which solution suits you best.

Documents

Lalux Document Img Alt

lalux-Staff Protect

Plan de pension pour entreprises : un levier de fidélisation et de motivation

Lalux Document Img Alt

lalux-Staff Protect - Cotisations personnelles

Find out more...

Are you changing employer?

Several solutions are available to you...

The savings that you have accumulated through your personal contributions are yours for life.

If you change employer, you can:
- Transfer your savings to your new employer’s plan
- Keep your savings with LALUX until you retire.
- Get reimbursed if your new activity no longer allows you to be affiliated to Luxembourg health insurance, or if the amount of your savings is less than three times the social minimum wage.

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