The offer - Dexia Pension Solutions

Our product offering

Dexia Pension Solutions provides for employees based in Luxembourg.

We offer three types of cover, all tailor-made to meet your company's needs:

1.     Pensions

Your employees will receive a supplement to their state pension in the form of a lump sum or annuity, to help them maintain their standard of living on retirement.

You can finance your Pension Plan in various ways:

Defined contributions - you decide on your contribution (a percentage of your payroll) and remain in full control of the cost of financing your pension scheme.

Defined benefits - you decide on the benefits you wish to offer your employees and we work out the budget and the financial planning involved.

Individual contributions - you may also offer your employees the chance to finance their pension scheme via individual contributions to top up the base plan.

2.     Death

In the event of an employee's death, their beneficiaries will receive death benefits (in accordance with their family status) in the form of a lump sum and/or survival annuities.

3.     Disability

In the event of employee becoming unable to carry out his professional duties due to disability, state benefits will be supplemented by disability benefits, and/or a lump sum for permanent total disability.

If one of your employees becomes permanently incapacitated, they are exempted from premium payments whilst remaining entitled to the benefits provided for in the insurance policy.


Our services

Your company is unique and your supplementary pension scheme merits a tailor-made approach.

Dexia Pension Solutions offers the benefits of a comprehensive solution.

Our specialists provide assistance throughout the process:

• we analyse your pension and insurance requirements;
• we help you decide on the benefits to be provided by your scheme;
• we assess the cost of the scheme for your company;
• we draw up the official documents, the plan and the financing documents;
• we present the documents to the relevant authorities and handle the follow-up;
• we keep your employees duly informed;
• we issue annual statements and tax certificates;
• we keep track of any changes to the tax and welfare regulations, and amend your pension scheme accordingly.