{"id":16532,"date":"2025-11-03T12:21:38","date_gmt":"2025-11-03T12:21:38","guid":{"rendered":"https:\/\/www.profion.de\/?p=16532"},"modified":"2026-06-22T09:12:50","modified_gmt":"2026-06-22T09:12:50","slug":"servus-28","status":"publish","type":"post","link":"https:\/\/www.profion.de\/en\/newsletter\/servus-28\/","title":{"rendered":"Servus #28"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16532\" class=\"elementor elementor-16532 elementor-16530\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95ca09e e-flex e-con-boxed e-con e-parent\" data-id=\"95ca09e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afa484a elementor-widget elementor-widget-text-editor\" data-id=\"afa484a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Table of Contents<\/h2>\n<ul>\n \t<li><a href=\"#time-tracking-update\">Mandatory Time Tracking and Weekly Maximum Working Hours \u2013 Update 2025:  What is the current situation in Germany?<\/a><\/li>\n \t<li><a href=\"#bureaucracy-relief\n\">Bureaucracy Relief and Labor Law: What Has Changed and What Remains? <\/a><\/li>\n \t<li><a href=\"#eu-ai-regulation\">EU AI Regulation: Strategic Turning Point for Companies <\/a><\/li>\n \t<li><a href=\"#new-reinsurance-model\n\">Profion Introduces New Reinsurance Model To Strengthen the Retirement Phase<\/a><\/li>\n \t<li><a href=\"#company-pension-strengthening-act-2\">Company Pension Strengthening Act II Increases Attractiveness of Employer-Sponsored Pensionsg<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1093149 elementor-widget elementor-widget-menu-anchor\" data-id=\"1093149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"time-tracking-update\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64e3c73 e-con-full e-flex e-con e-child\" data-id=\"64e3c73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a80f07 elementor-widget elementor-widget-heading\" data-id=\"9a80f07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mandatory Time Tracking and Weekly Maximum Working Hours \u2013 Update 2025:  What is the current situation in Germany?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-348a1b9 elementor-widget elementor-widget-text-editor\" data-id=\"348a1b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Following the <a href=\"\/en\/servus-16\/#time\" target=\"_blank\" rel=\"noopener\">\u201ctime clock\u201d ruling of September 13, 2022<\/a>, employers in Germany are required to record the entire working time of their employees. This aims to protect employees\u2019 health and reduce overtime.<\/p><p>According to the April 2025 coalition agreement, the obligation to electronically record working hours will be implemented in an unbureaucratic manner. Small and medium-sized enterprises (SMEs) will benefit from appropriate transitional rules.<\/p><p>In addition, the coalition agreement provides for maintaining the average maximum weekly working time of 48 hours, but relaxing the current maximum daily working time limit of eight hours. This change is intended to improve work-life balance, but must be done in consultation with social partners (i.e., trade unions and employer associations).<\/p><p>Furthermore, trust-based working time without formal time tracking will remain possible under the EU Working Time Directive, although trust-based working hours are not regulated by law.<\/p><p>Conclusion: Greater flexibility does not mean fewer obligations. Transparent time tracking remains essential. Companies should adapt to the new legal situation and determine how they will implement it within the framework of appropriate internal guidelines and procedures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-024a815 elementor-widget elementor-widget-author-box\" data-id=\"024a815\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.profion.de\/wp-content\/uploads\/2025\/10\/ClD_rund-300x300.png\" alt=\"Picture of Claudia Duggal\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tClaudia Duggal\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p><a href=\"mailto:claudia.duggal@profion.de\">Questions or feedback to the author<\/a><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a03149 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7a03149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7f3950 elementor-widget elementor-widget-menu-anchor\" data-id=\"f7f3950\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"bureaucracy-relief\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cf47d8 e-con-full e-flex e-con e-child\" data-id=\"5cf47d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-649fe7b elementor-widget elementor-widget-heading\" data-id=\"649fe7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bureaucracy Relief and Labor Law: What Has Changed and What Remains? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49be9ee elementor-widget elementor-widget-text-editor\" data-id=\"49be9ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As of January 1, 2025, the Fourth Bureaucracy Relief Act (BEG IV) has come into effect, easing numerous previously strict formal requirements in labor law.<\/p><p>Most important change: Many documents are now valid in <strong>text form<\/strong> (e.g., via email or PDF), provided they can be saved and printed. A handwritten signature is no longer required.<\/p><p><strong>Where text form is now valid<\/strong>:<\/p><ul><li>Permanent employment contracts and contract amendments<\/li><li>Temporary employment contracts<\/li><li>Applications for parental leave, care leave, and part-time work, as well as approvals and rejections, can be submitted and responded to in text form since May 1, 2025.<\/li><li>Employment references and interim references may be issued electronically\u2014provided the employee consents.<\/li><li>Laws that must be posted in the workplace may now be provided digitally.<\/li><\/ul><p><strong>Where written form is still required<\/strong>:<\/p><ul><li>Terminations<\/li><li>Termination agreements<\/li><li>Fixed-term employment contracts (\u00a7 14 para. 4 TzBfG)<\/li><li>Post-contractual non-compete clauses (\u00a7 74 HGB)<\/li><li>Certain industries (e.g., construction, hospitality) due to the Unlawful Employment Act<\/li><\/ul><p>We are happy to support you in making the necessary adjustments so you can benefit from the new flexibility without compromising legal certainty.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d60f89f elementor-widget elementor-widget-author-box\" data-id=\"d60f89f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.profion.de\/wp-content\/uploads\/2025\/06\/Iris-300x300.png\" alt=\"Picture of Iris Zank\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tIris Zank\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p><a href=\"mailto:iris.zank@profion.de\">Questions or feedback to the author<\/a><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a0be92 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0a0be92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4aaf9 elementor-widget elementor-widget-menu-anchor\" data-id=\"7f4aaf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"eu-ai-regulation\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56cd706 e-con-full e-flex e-con e-child\" data-id=\"56cd706\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18487a4 elementor-widget elementor-widget-heading\" data-id=\"18487a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">EU AI Regulation: Strategic Turning Point for Companies <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dff5872 elementor-widget elementor-widget-text-editor\" data-id=\"dff5872\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With the EU AI Regulation (EU AI Act) coming into force on August 1, 2024, the use of AI in companies was given a uniform legal framework for the first time. The aim of the regulation is to enable innovation while minimizing risks. For companies, this means that AI is becoming a key governance and compliance issue.<\/p><p>Since February 2025, practices such as social scoring, manipulative systems, indiscriminate facial scraping, and emotion recognition in the workplace are prohibited. As of August 2025, new rules apply to general-purpose AI models, and from August 2026, comprehensive requirements will follow for so-called high-risk applications.<\/p><p>Especially relevant for management: Many HR systems &#8211; such as those used for recruiting, performance evaluations, or promotion decisions &#8211; fall under the high-risk category. These are subject to strict requirements for risk management, data quality, documentation, and human oversight. Violations can result in hefty fines.<\/p><p>Now is the right time to review your company-wide AI strategy. This includes inventorying existing tools, clearly assigning responsibilities at the executive level, and involving vendors early on. Companies that act proactively not only ensure compliance but also strengthen trust and long-term competitiveness.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-136023a elementor-widget elementor-widget-author-box\" data-id=\"136023a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.profion.de\/wp-content\/uploads\/2025\/06\/Alice-300x300.png\" alt=\"Picture of Alice Brem\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tAlice Brem\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p><a href=\"mailto:alice.brem@profion.de\">Questions or feedback to the author<\/a><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e87a08 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8e87a08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fed1259 elementor-widget elementor-widget-menu-anchor\" data-id=\"fed1259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"new-reinsurance-model\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-100e19f e-con-full e-flex e-con e-child\" data-id=\"100e19f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52f4c24 elementor-widget elementor-widget-heading\" data-id=\"52f4c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Profion Introduces New Reinsurance Model to Strengthen the Retirement Phase<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1bcbb4 elementor-widget elementor-widget-text-editor\" data-id=\"e1bcbb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Market demands on occupational pensions are rising, especially regarding the strengthening of the retirement phase.<\/p><p>Leading institutions in the field of occupational pensions have long pointed to the growing gap in the state pension system and the resulting challenge for company pensions. According to these institutions, this can be addressed through increased focus on the capital market, which means moving away from traditional pension models.<\/p><p>In collaboration with Munich Re PCC, Profion has developed an alternative reinsurance model for the retirement payout phase, based on a strong capital market orientation:<\/p><p>Aligning with the capital market implies greater volatility at the start of retirement, which can positively impact the initial pension amount.<\/p><p>Our service includes reviewing each upcoming pension using this alternative model. This allows us to optimize outcomes for our clients based on the current capital market situation and the expected pension amount.<\/p><p>In our investment strategy, we rely on the expertise and financial strength of Munich Re, the world\u2019s leading reinsurance company and institutional investor, which uses the same investment mix for its own employee pension plans in Germany.<\/p><p><a href=\"\/wp-content\/uploads\/2025\/10\/2025-10_Pressemitteilung-Kooperation-Profion-und-Munich-Re.pdf\" target=\"_blank\" rel=\"noopener\">Read the full press release (German)<\/a> on this innovative reinsurance solution<\/p><p style=\"font-size: 12px;\">* IFA (Institute for Retirement Provision), DAV (German Actuarial Association), IVS (Institute of Actuarial Experts)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43afabe e-grid e-con-full e-con e-child\" data-id=\"43afabe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-717091a elementor-widget elementor-widget-author-box\" data-id=\"717091a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.profion.de\/wp-content\/uploads\/2024\/07\/Picture6.png\" alt=\"Picture of Norbert Rutzmoser\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tNorbert Rutzmoser\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p><a href=\"mailto:norbert.rutzmoser@profion.de\">Questions or feedback to the author<\/a><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bb40da elementor-widget elementor-widget-author-box\" data-id=\"8bb40da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.profion.de\/wp-content\/uploads\/2025\/09\/SoeS_rund-300x300.png\" alt=\"Picture of S\u00f6ren Schulze\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tS\u00f6ren Schulze\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p><a href=\"mailto:soeren.schulze@profion.de\">Questions or feedback to the author<\/a><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d29db47 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d29db47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bbb26e e-con-full e-flex e-con e-child\" data-id=\"6bbb26e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-186d861 elementor-widget elementor-widget-menu-anchor\" data-id=\"186d861\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"company-pension-strengthening-act-2\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e4ea17 elementor-widget elementor-widget-heading\" data-id=\"1e4ea17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Company Pension Strengthening Act II Increases Attractiveness of Employer-Sponsored Pensions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-932f39c elementor-widget elementor-widget-text-editor\" data-id=\"932f39c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With the adoption of the Company Pension Strengthening Act II, the attractiveness and efficiency of occupational pensions are increasing. In future, it will be possible to receive statutory and occupational pensions in parallel while continuing to work, small pension entitlements can be settled more easily, and support options for low-income earners will be improved. In addition, simplified option systems can be introduced that allow automatic deferred compensation if the employee does not explicitly object.<\/p><p>In view of the upcoming reform of the statutory pension system, an expansion of occupational pension schemes is also urgently recommended. Although the current pension package is intended to extend the freeze until July 31, 2031, meaning that the pension level for a so-called standard pensioner should not fall below 48% until that date, demographic trends suggest that maintaining this level beyond 2031 will not be financially viable. This reduction could be compensated for by supplementing it with a company pension scheme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b02ed27 elementor-widget elementor-widget-author-box\" data-id=\"b02ed27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.profion.de\/wp-content\/uploads\/2025\/04\/Torsten-Reich_rund-300x300.png\" alt=\"Picture of Dr. Torsten Reich\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tDr. Torsten Reich\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p><a href=\"mailto:info@profion.de\">Questions or feedback to the author<\/a><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-093f6e5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"093f6e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2aad4df e-flex e-con-boxed e-con e-parent\" data-id=\"2aad4df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06bb74f elementor-widget elementor-widget-text-editor\" data-id=\"06bb74f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"color: #b3282d;\">Are you missing a topic or would you like to share your feedback with us?<\/span><br \/><\/strong><a href=\"mailto:info@profion.de?subject=Feedback%20Profion%20Newsletter\">Let us know!<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#8211; Mandatory Time Tracking and Weekly Maximum Working Hours \u2013 Update 2025:  What is the current situation in Germany <\/p>\n<p>&#8211; Bureaucracy Relief and Labor Law: What Has Changed and What Remains? <\/p>\n<p>&#8211; EU AI Regulation: Strategic Turning Point for Companies <\/p>\n<p>&#8211; Profion Introduces New Reinsurance Model To Strengthen the Retirement Phase <\/p>\n<p>&#8211; Company Pension Strengthening Act II Increases Attractiveness of Employer-Sponsored Pensions<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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