Demographics
Shaping demographics:
Your solution for a productive
and motivated workforce
Why long-term work accounts?
Long-term work accounts provide employers with a strategic advantage in addressing demographic challenges. They enhance your competitiveness in the labor market, help you retain skilled workers long-term, and ensure workforce productivity.
Increase attractiveness
as an employer.
Position yourself as a modern employer by offering flexible and attractive working time models. Long-term work accounts are widely recognised as a top employee benefit in surveys and are instrumental in promoting work-life balance.
Actively combat
the shortage of skilled labour.
Retain experienced employees over the age of 60 for the long term and secure valuable expertise within your company. Long-term work accounts provide flexible solutions to keep employees productive.
Ensure sustainable
productivity.
Support employees in a gradual transition into retirement. This way, you can manage the age structure in the long term and avoid the sudden loss of key qualifications and expertise.
What specific advantages do long-term work accounts offer your company?
Long-term work accounts are a strategic tool for promoting your employee well-being while supporting corporate objectives. They offer a balance of flexibility, financial benefits, and security.
1.
Motivated and healthy employees.
With long-term work accounts, employees can take extended leave periods for sabbaticals, caregiving responsibilities, or parental leave extensions — all while maintaining their employment status.
2.
Planned transition to retirement.
Long-term work accounts allow employees to gradually reduce their working hours while still ensuring financial stability.
3.
Insolvency protection and flexibility.
Employees’ assets are secured through trust models, making them portable in the event of an employer change and even transferable through inheritance.
4.
Social security and protection.
During the release phase, the employment relationship remains intact and subject to social security contributions, ensuring that your employees remain fully protected.
How do long-term work accounts work?
Long-term work accounts provide a clear and flexible system tailored to the needs of both your company and your employees. The model consists of three interlocking phases that ensure seamless planning security.
Savings.
Employees can transfer part of their salary, bonuses, or overtime into a credit balance that is exempt from tax and social security contributions. As the employer, you secure the investment and guarantee the nominal value.
Exemption.
Motivated employees benefit from the ability to take paid leave at full salary, using their credit balance — without terminating their employment relationship.
Pension.
Provide employees with a gradual transition to retirement by using accumulated assets to enhance their pension scheme and create additional financial security.
Example of working time arrangement.
Gradual transition until the age of 67 through reduced working hours:
Example of working time arrangement.
Retaining key knowledge holders until the age of 70 through gradual reduction of working hours
Summary: Your advantages at a glance.
Increase employer attractiveness with flexible working time models and modern benefits.
Address the skills shortage with customised solutions for experienced employees..
Ensure productivity through a smooth transition to retirement.
Provide flexibility and security with insolvency-proof, transferable, and inheritable assets.
Ensure social protection during leave periods and beyond.
Law: Always on the safe side.
We offer legal opinions, legally compliant documents and legal advice on the introduction, review, modernisation or harmonisation of operational services.
Mathematics: Understanding complexity. Decide with confidence.
We offer expert guidance on pension liabilities, balance sheet assessments, financing via trust solutions, reinsurance policies, or insurance-based implementation methods.
Consulting: Solutions for real partnerships.
In a world where employers are constantly striving not only to attract top talent but also to retain them long-term, we go beyond offering solutions — we build real partnerships.
Shaping global working environments.
Your strategy for success in an international environment.
A good business relationship starts with a good conversation.
Let’s have a conversation to identify your needs, how we can best support you, and what employee benefits can mean for your company and employees. We can have the discussion in person at your location or via video conference.