Danica strekker ut en hånd til selvstendige næringsdrivende
Korona-pandemien påvirker oss alle, men det er spesielt enkeltpersonsforetak og selvstendig næringsdrivende som rammes hardt økonomisk av dagens situasjon.
The principal rule of the defined-contribution pension Act is that employees should be removed from the pension scheme in case of layoffs due to production cutback. Nonetheless, an agreement can be made that the employees stay in the pension scheme. Which choices you have made for your company can be found in the contractual documents, or you may contact us to find out.
Below you can find an overview of your options:
1. Laid off employees retain their membership.
Your company keeps on paying for savings and supplementary risk cover as before. Your company may decide to reduce the deposit plan to the minimum rate of 2 %. In this scenario, the steering group/employee representative for the company must be involved before the decision is made.
2. Laid off employees retain their membership, but savings cease temporarily.
Savings payments cease. The company keeps paying supplementary risk cover for each employee. This solution requires changing the original agreement if you already have an existing agreement of retaining memberships in case of layoffs. In this scenario, the steering group/employee representative of the company must also be involved before the decision is made. The change will only apply to future layoffs and must be handled by us at Danica, and not directly in Bedriftsportalen.
Companies that have an existing agreement about removal of memberships in case of layoffs must supply written confirmation that they want this solution instead.
This is a provisional arrangement adapted to the unique situation that has arisen in connection with the Corona pandemic, with a current time frame of six months.
3. Remove laid off employees from the pension scheme.
If an agreement has been made that the employees retain their memberships in case of layoffs, this agreement must be changed before any removals can be made. If the agreement is to be changed, the steering group/employee representative of the company must be involved before the decision is made. Removing memberships implies that the employee will be presented with a pension capital certificate, all pension and insurance premiums cease, and the employee is entitled to take out continuation coverage.
Are you uncertain which solution is the best fit for your company and your employees? We provide advisory service and information about how to go about it practically.
You can reach us by phone +47 73563200 or at firstname.lastname@example.org