@Lino2501 has already hinted at it. You have two problems with this story.
1. in the pension phase, you no longer have an employer, which means that you pay not only the employee's share of the SI, but also the employer's share. This can be partially compensated by private health insurance, because then the health insurance no longer applies.
2. you receive less basic pension in old age because you had less gross income. Of course, the contribution assessment ceiling must be taken into account here. However, very few people will even come close to it.
3. as far as I know, if you change employer, you may not be able to continue saving in the contract.
1. in the pension phase, you no longer have an employer, which means that you pay not only the employee's share of the SI, but also the employer's share. This can be partially compensated by private health insurance, because then the health insurance no longer applies.
2. you receive less basic pension in old age because you had less gross income. Of course, the contribution assessment ceiling must be taken into account here. However, very few people will even come close to it.
3. as far as I know, if you change employer, you may not be able to continue saving in the contract.
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•Deleted User
2Mon
Comment was deleted
2Mon
@hero333 yo but 100% subsidy (as in the example) vs 15% makes the calculation quasi uninteresting... (I work for an insurer ;))
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