The procedure for assigning a corporate pension by the employer
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Then the company's director concludes a civil-law brazil mobile number list document with a non-state pension fund (NPF), bank, insurance or management company. In the future, it is planned to officially call it an agreement on a corporate pension program (pension product).
In this document, the parties establish the rules for the formation of a corporate pension (Article 421 of the Civil Code of the Russian Federation), the main thing is that they do not contradict the law.
Usually, the following is indicated in personnel documents and the agreement with the NPF (bank, insurance company):
How exactly will the employer transfer contributions to the corporate pension (procedure, terms, contribution amounts, etc.).
Which employees are entitled to a corporate pension (required length of service, age, etc.).
For how long will a pensioner receive a corporate pension?
What happens to pension savings in the event of an employee’s death (will his relatives be able to inherit them?)
Where the contributions will be stored. They are usually stored in the organization's savings account, and when an employee reaches a certain age and length of service in the company, an individual personal account is opened for him, from which the corporate pension will be transferred.
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Options for forming a corporate pension for older and younger employees
If you have employees who have worked for the company for more than 10-15 years and are preparing to retire, and you have only recently introduced a corporate pension program, you can set fixed monthly payments for such employees. For example, 3,000 rubles for life or for five years. Corporate pension financing options may vary depending on employee categories.
"Help in old age"
For staff approaching retirement and long-serving employees
Participants in the program : employees born after 1967, with at least 7-10 years of work experience in the company, and those who have contributed personal funds to the corporate pension for more than a year.
Payment amount : a guaranteed lifetime pension of at least 2,000 rubles. The amount may be increased by coefficients that take into account length of service, position, awards, and timely retirement.
"Help in old age"
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"Our veterans"
Participants in the program : former employees who have reached retirement age and did not participate in the non-state pension program, as well as those whose non-state pension payment period has expired.
Payment amount : 2200 rubles with annual indexation.
"Valuable Personnel"
Program participants : specialists who have demonstrated high results and have more than 10 years of work experience, who will reach retirement age within 10 years.
Amount of payment : annual contribution up to 12 salaries. Upon reaching retirement age, the employee will be entitled to a non-state pension with a payment period of at least five years.
"Forward, youth!"
Program participants : young employees with initiative, unique knowledge, specialized education and little work experience.
Payment amount : for three years, the amount of contributions should not exceed 12 salaries. After three years, the employee can receive savings or apply for a non-state pension upon reaching retirement age.
"The best of the best"
Program participants : employees who have proposed and implemented ideas that help simplify processes, reduce costs or increase efficiency.
Payment amount : quarterly payments are made for three years, the amount of which is determined by the CEO or the board of directors. 80% of the contributions can be received at any time, 20% - after three years. It is possible to arrange them as a corporate pension upon retirement.