BENEFITS · FOUNDATIONS

Rules create certainty.

Scheme rules are the legal and substantive foundation of every occupational pension.

The problem

No scheme rules, no legal certainty.

Without clear scheme rules there is no binding basis for pension benefits in the company. That leads to unequal treatment, legal exposure and uncertainty among staff, which costs trust and creates risk.

Our solution

Legally sound. Clearly written. Built to last.

We help you draw up legally sound scheme rules: clearly written, tailored to your company structure and compatible with the vehicles you have chosen. Including provisions on vesting, portability and the duty to review benefits.

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At a glance

What good scheme rules cover.

THE KEY PROVISIONS

Clearly settled rather than open to interpretation

Eligibility & conditions who can join, and from when.

Employer top-up how much is added, and on what terms.

Scheme vehicle which vehicle applies and how it is implemented.

Vesting when entitlements are preserved.

Portability taking entitlements along when changing employer.

Review reviewing and adjusting benefits in payment.

Clearly settled meansfewer disputes, more trust

An overview of typical content. The actual scope depends on the company, the vehicle and the law in force. We tailor the rules to you.

The hard facts

Why the rules are the foundation.

Legally sound

Without binding scheme rules there is no basis for pension benefits. They protect the business from legal exposure.

Consistent

The same rules for everyone eligible, rather than case-by-case promises. That satisfies the principle of equal treatment in employment law.

Vested

They govern vesting, portability and the review of entitlements: central rights that must be set down clearly.

Clarity

Staff know exactly where they stand. That creates trust, and only then does the pension really work as a benefit.

Worth knowing

What employers should bear in mind.

The basis of every pension scheme

Without scheme rules there is no binding basis for benefits. Every properly run pension scheme starts with this rulebook.

Equal treatment is compulsory

The principle of equal treatment in employment law requires consistent rules. Individual promises quickly create exposure.

Vesting & portability

Under certain conditions entitlements are preserved and can be taken along. The rules set these rights down unambiguously.

Keep them current

Laws and scheme vehicles change. Well-maintained rules stay legally sound and fit for the future.

Experience you can rely on.

37+ years

in the market

100%

independent advice

DEWE

Certified partner of Deutscher Wertschutz e.V.

CERTAINTY THROUGH CLEAR RULES

A foundation that holds.

Properly drafted scheme rules remove the exposure from your pension scheme and create clarity for everyone involved. We write them on a sound legal footing, matched to your company structure and the vehicles you have chosen.

Legally sound

A binding basis for every benefit, sound in employment law.