{"id":169,"type":"Standard","slug":"\/benefit-lexikon\/betriebliche-altersvorsorge","media":[],"seo":{"title":"Probonio: Betriebliche Altersvorsorge einfach erkl\u00e4rt","meta":[{"name":"description","content":"Alle Infos zur betrieblichen Altersvorsorge als Betriebsrente und die wichtigsten Hinweise zu steuerlichen Regelungen und Abrechnung."},{"name":"generator","content":"TYPO3 CMS x T3Headless"},{"property":"og:title","content":"Betriebliche Altersvorsorge einfach erkl\u00e4rt"},{"property":"og:description","content":"Alle Infos zur betrieblichen Altersvorsorge als Betriebsrente und die wichtigsten Hinweise zu steuerlichen Regelungen und 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Altersvorsorge","link":"\/benefit-lexikon\/betriebliche-altersvorsorge","target":"","active":1,"current":1,"spacer":0,"hasSubpages":0}],"appearance":{"layout":"layout-0","backendLayout":"default","hideBreadcrumbs":0},"content":{"colPos1":[{"id":1509,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Inhalt","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<ol class=\"list-circle\"><li data-list-item-id=\"eab0beae40f293672ab5423f36bf63f40\"><a href=\"#c1506\">Was genau ist eine betriebliche Altersvorsorge?<\/a><\/li><li data-list-item-id=\"e11494c04312d0df8b2cffde317ca0cfd\"><a href=\"#c1515\">Wichtige Regelungen f\u00fcr die betriebliche Altersvorsorge 2024<\/a><\/li><li data-list-item-id=\"e60b13ca09ffec82ab85ef2a73cb0ae5a\"><a href=\"#c1503\">Beispiel f\u00fcr die betriebliche Altersvorsorge vom Arbeitgeber<\/a><\/li><li data-list-item-id=\"efd8b74f51f8e87ca98166765574bce8b\"><a href=\"#c1516\">Wie funktioniert die Abrechnung der betrieblichen Altersvorsorge als Entgeltumwandlung?<\/a><\/li><li data-list-item-id=\"eace17e5f209b004aebd138a5159c1eb2\"><a href=\"#c1517\">Einsatzm\u00f6glichkeiten der Betriebsrente<\/a><\/li><li data-list-item-id=\"ecdcbaeabbd1b10447f5219e89676523b\"><a href=\"#c1518\">Wie wird die Betriebsrente ausgezahlt?<\/a><\/li><li data-list-item-id=\"efcf6e823dc307d42fb0287e0962db506\"><a href=\"#c1519\">Welche Mitarbeitenden k\u00f6nnen die betriebliche Altersvorsorge beanspruchen?<\/a><\/li><li data-list-item-id=\"e603ea5733e243c2de2461ad03d2ab82f\"><a href=\"#c1520\">Gesetzliche Grundlagen<\/a><\/li><\/ol>"}},{"id":1508,"type":"probonio-1col-container","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","background-color":"lightblue","content":[{"id":1507,"type":"probonio_page_section","colPos":201,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"title":"","description":"<ul class=\"list-check\"><li data-list-item-id=\"ef62a94ab4c45499be9e5ba97f440a2f5\"><p style=\"margin-left:10px;\">Sie k\u00f6nnen als Arbeitgeber Ihre Mitarbeitenden mit einem <strong>steuerbeg\u00fcnstigten Zuschuss<\/strong> zur betrieblichen Altersvorsorge unterst\u00fctzen.<\/p><\/li><li data-list-item-id=\"e72a3b847a70e267d529b2487a0dd6214\"><p style=\"margin-left:10px;\">Mit dieser <strong>Betriebsrente<\/strong> erhalten Ihre Mitarbeiter einen <strong>zus\u00e4tzlichen Beitrag im Rentenalter<\/strong>, der sie bei einem geringeren Einkommen unterst\u00fctzt.<\/p><\/li><li data-list-item-id=\"e3964ca77a5d5ca31be895cc33b2c871e\"><p style=\"margin-left:10px;\">Pro Monat k\u00f6nnen Sie Ihren Mitarbeitenden mit staatlichen Erleichterungen einen maximalen Beitrag von 302 Euro zur bAV gew\u00e4hren.<\/p><\/li><\/ul>","headline":"Das Wichtigste in K\u00fcrze","headerLayout":2,"linktext":"","link":"","image":{"url":"https:\/\/website-assets.probonio.de\/_processed_\/b\/b\/csm_aumferksamkeiten_vorteile_17b906fde9.webp?1757662627","alternative":"Mitarbeiterin im B\u00fcro","width":2048,"height":1441,"title":"Aufmerksamkeiten: Vorteile","link":null,"cropVariants":{"default":{"sourceSet":{"480":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/b\/b\/csm_aumferksamkeiten_vorteile_c03792eeb0.webp","properties":{"title":"Aufmerksamkeiten: Vorteile","alternative":"Mitarbeiterin im B\u00fcro","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_aumferksamkeiten_vorteile_c03792eeb0.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Benefits\/60_EUR_Aufmerksamkeit\/aumferksamkeiten_vorteile.webp","uidLocal":826,"fileReferenceUid":1784,"size":"9 KB","dimensions":{"width":480,"height":338},"cropDimensions":{"width":480,"height":338},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}},"768":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/b\/b\/csm_aumferksamkeiten_vorteile_849dfd5d27.webp","properties":{"title":"Aufmerksamkeiten: Vorteile","alternative":"Mitarbeiterin im B\u00fcro","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_aumferksamkeiten_vorteile_849dfd5d27.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Benefits\/60_EUR_Aufmerksamkeit\/aumferksamkeiten_vorteile.webp","uidLocal":826,"fileReferenceUid":1784,"size":"21 KB","dimensions":{"width":768,"height":540},"cropDimensions":{"width":768,"height":540},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}},"1200":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/b\/b\/csm_aumferksamkeiten_vorteile_719bed10ea.webp","properties":{"title":"Aufmerksamkeiten: Vorteile","alternative":"Mitarbeiterin im B\u00fcro","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_aumferksamkeiten_vorteile_719bed10ea.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Benefits\/60_EUR_Aufmerksamkeit\/aumferksamkeiten_vorteile.webp","uidLocal":826,"fileReferenceUid":1784,"size":"75 KB","dimensions":{"width":1200,"height":844},"cropDimensions":{"width":1200,"height":844},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}},"2048":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/b\/b\/csm_aumferksamkeiten_vorteile_5239c4b467.webp","properties":{"title":"Aufmerksamkeiten: Vorteile","alternative":"Mitarbeiterin im B\u00fcro","description":null,"link":null,"linkData":null,"mimeType":"image\/webp","type":"image","filename":"csm_aumferksamkeiten_vorteile_5239c4b467.webp","originalUrl":"https:\/\/website-assets.probonio.de\/Header_Navigation\/Benefits\/60_EUR_Aufmerksamkeit\/aumferksamkeiten_vorteile.webp","uidLocal":826,"fileReferenceUid":1784,"size":"389 KB","dimensions":{"width":2048,"height":1441},"cropDimensions":{"width":2048,"height":1441},"crop":{"default":{"cropArea":{"x":0,"y":0,"width":1,"height":1},"selectedRatio":"NaN","focusArea":null}},"autoplay":null,"extension":null}}}}}},"reverse":"0"}}]}},{"id":1506,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Was genau ist eine betriebliche Altersvorsorge?","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Die betriebliche Altersvorsorge, oft auch Betriebsrente genannt, bietet Ihnen die M\u00f6glichkeit, Ihre Mitarbeitenden mit <strong>einer Versicherung<\/strong> zu unterst\u00fctzen, die sie im Rentenalter oder bei einer Berufsunf\u00e4higkeit entlastet. Da die Beitr\u00e4ge f\u00fcr die betriebliche Altersvorsorge direkt vom Bruttogehalt Ihrer Mitarbeitenden abgezogen werden, reduzieren sich f\u00fcr diese die Steuern und f\u00fcr Sie als Arbeitgeber die Sozialversicherungsbeitr\u00e4ge. Sie als Arbeitgeber haben bei der betrieblichen Altersvorsorge sogar die Pflicht, dass Sie Ihren Mitarbeitenden diese <strong>Entgeltumwandlung<\/strong> (= Umwandlung von Bruttogehalt in bAV-Beitr\u00e4ge) f\u00fcr die betriebliche Altersvorsorge anbieten. Ihre Mitarbeitenden erhalten dadurch ein geringeres Bruttogehalt, da Sie die Differenz in die betriebliche Altersvorsorge einzahlen.<\/p>\n<p><strong>Die Umsetzung einer betrieblichen Altersvorsorge bzw. Betriebsrente sieht wie folgt aus:<\/strong><\/p><ul><li data-list-item-id=\"e09e18590e5423e13f1b3ced22b77940a\">Ihre Mitarbeitenden m\u00f6chten eine betriebliche Altersvorsorge abschlie\u00dfen, welche von Ihnen mit <strong>mindestens 15% der Mitarbeiter-Beitr\u00e4ge<\/strong> bezuschusst werden muss. Hierbei m\u00fcssen Sie mit den entsprechenden Mitarbeitenden abstimmen, wie viel Sie letztendlich bezuschussen.<\/li><li data-list-item-id=\"eda795901b762bd2052c1f5201f1fc1cd\">Sie schlie\u00dfen daraufhin einen <strong>Versicherungsvertrag<\/strong> ab. In diesem ist aufgef\u00fchrt, welche Versicherung Sie gew\u00e4hlt haben, Beginn und Ende der Versicherung und die H\u00f6he der Beitr\u00e4ge aus der Gehaltsumwandlung und Ihres Zuschusses.<\/li><li data-list-item-id=\"eacb809c8a9f7a08ffcd1a731b8253f48\">Nach Best\u00e4tigung der Versicherung zahlen Sie jeden Monat den vereinbarten Betrag in die betriebliche Altersvorsorge ein.<\/li><\/ul>"}},{"id":1658,"type":"probonio-1col-container","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"","subheader":"","background-color":"lightblue","content":[{"id":1659,"type":"probonio_heyflow_inline","colPos":201,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"flowId":"ueOUK2Fwl3WXpI9VZbYn"}}]}},{"id":1515,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Wichtige Regelungen f\u00fcr die betriebliche Altersvorsorge 2024","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Sie selbst k\u00f6nnen seit 2024 pro Mitarbeitendem einen zus\u00e4tzlichen sozialversicherungsfreien Zuschuss in Form der Entgeltumwandlung von <strong>maximal 302 Euro monatlich<\/strong>, sprich <strong>3.624 Euro pro Jahr<\/strong>, gew\u00e4hren. Bis zu einem monatlichen Beitrag zur betrieblichen Altersvorsorge von <strong>604 Euro monatlich<\/strong>, sprich <strong>j\u00e4hrlich 7.248 Euro<\/strong>, f\u00e4llt zudem keine Lohnsteuer an. Somit werden bei einer Ansparphase \u00fcber die Entgeltumwandlung weniger Sozialabgaben und Steuern f\u00e4llig, wodurch die betriebliche Altersvorsorge <strong>Steuervorteile<\/strong> f\u00fcr Arbeitgeber und Arbeitnehmer bietet. Zus\u00e4tzlich ist zu beachten, dass die H\u00f6he der steuer- und sozialversicherungsfreien Beitr\u00e4ge j\u00e4hrlich variiert, da sie an die Beitragsbemessungsgrenze f\u00fcr die Rentenversicherung angepasst werden.<\/p>\n<p><strong>Folgende Regelungen gelten f\u00fcr die betriebliche Altersvorsorge:<\/strong><\/p><ul><li data-list-item-id=\"e117f5c6f6c66a5d3dc941e60eeef66c8\">Sie als Arbeitgeber sind dazu <strong>verpflichtet<\/strong>, einen Vertrag f\u00fcr eine betriebliche Altersvorsorge in Form einer Entgeltumwandlung f\u00fcr Ihre Mitarbeitenden abzuschlie\u00dfen, sofern diese den Wunsch danach \u00e4u\u00dfern.<\/li><li data-list-item-id=\"e3b4b4422130e1f6f23a1eb7008c13d31\">Im Falle einer Entgeltumwandlung sind Sie dazu verpflichtet, <strong>mindestens 15% der Beitr\u00e4ge<\/strong> Ihrer Mitarbeitenden zu bezuschussen. Dies entspricht grob dem Ersparnis der Sozialversicherungsbeitr\u00e4ge, das Sie durch die Entgeltumwandlung erhalten.<\/li><\/ul>"}},{"id":1503,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Beispiel f\u00fcr die betriebliche Altersvorsorge vom Arbeitgeber","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Ihr Mitarbeitende \u00e4u\u00dfert den Wunsch, eine betriebliche Altersvorsorge abzuschlie\u00dfen. Er verf\u00fcgt \u00fcber ein <strong>monatliches Bruttoeinkommen von 4.500 Euro<\/strong> und <strong>m\u00f6chte den H\u00f6chstbetrag von 302 Euro monatlich<\/strong> als Entgeltumwandlung in eine Direktversicherung einzahlen.<\/p>\n<p>Sie als Arbeitgeber m\u00fcssen mindestens 15% des Beitrags, sprich <strong>15% der 302 Euro (=45,30 Euro)<\/strong>, bezuschussen. Allerdings entscheiden Sie sich dazu, <strong>zus\u00e4tzliche 5%<\/strong> zu bezuschussen, wodurch Sie mit <strong>20% von 302 Euro einen Zuschuss von 60,40 Euro<\/strong> gew\u00e4hren.<\/p>\n<p>Ihr Mitarbeitende zahlt somit einen j\u00e4hrlichen Beitrag von <strong>3.624 Euro vom Bruttogehalt<\/strong> ein, w\u00e4hrend Sie einen Zuschuss von <strong>724,80 Euro pro Jahr<\/strong> gew\u00e4hren. Somit bel\u00e4uft sich die j\u00e4hrliche Einzahlung in die Versicherung auf <strong>4.348,80 Euro<\/strong>.<\/p>\n<p>Da Ihr Mitarbeitende selbst j\u00e4hrlich nicht mehr als 3.624 Euro einzahlt, fallen keine Sozialversicherungsbeitr\u00e4ge an. Zudem muss auch keine Lohnsteuer bezahlt werden, da insgesamt nicht mehr als 7.248 Euro in die betriebliche Altersvorsorge eingezahlt werden.<\/p>\n<p><strong>Der Steuervorteil<\/strong>: Ihr Mitarbeitende zahlt aufgrund der Entgeltumwandlung den Beitrag vom Bruttogehalt, wodurch sich das Nettogehalt nur um rund die H\u00e4lfte des Beitrags, sprich ca. 150 Euro verringert.<\/p>"}},{"id":1516,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Wie funktioniert die Abrechnung der betrieblichen Altersvorsorge als Entgeltumwandlung?","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Die betriebliche Altersvorsorge muss f\u00fcr Ihre einzelnen Mitarbeitenden in der Lohnbuchhaltung monatlich erfasst werden.<\/p>\n<p><strong>Folgende Aspekte sind f\u00fcr die Buchhaltung zu beachten:<\/strong><\/p><ul><li data-list-item-id=\"e707b98f2d2070addec69e236cf614bca\"><p style=\"margin-left:auto;\">Das Bruttogehalt Ihrer Mitarbeitenden verringert sich in der Lohnbuchhaltung um den Beitrag in die Versicherung.<\/p><\/li><li data-list-item-id=\"ea0bf5bfda7aa56ea48611d2cdb8167b4\"><p style=\"margin-left:auto;\">Der steuerfreie Beitrag f\u00fcr die bAV wird in der gleichen H\u00f6he erfasst.<\/p><\/li><li data-list-item-id=\"ef485893e110634193057d741060d9d53\"><p style=\"margin-left:auto;\">Bis zu einem Betrag von 3.624 Euro fallen keine Sozialversicherungsbeitr\u00e4ge an.<\/p><\/li><li data-list-item-id=\"e70f37b0f6864c00931c4b9549ccfd700\"><p style=\"margin-left:auto;\">Bis zu einem Betrag von 7.248 Euro f\u00e4llt keine Lohnsteuer an.<\/p><\/li><\/ul>"}},{"id":1517,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Einsatzm\u00f6glichkeiten der Betriebsrente","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Die betriebliche Altersvorsorge bzw. Betriebsrente kann in Form von <strong>verschiedenen Versicherungsarten<\/strong> umgesetzt werden. Hierbei ist es sinnvoll, sich sowohl als Arbeitgeber als auch als Mitarbeitenden zu verschiedenen Versicherungsmodellen beraten zu lassen.<\/p>\n<p><strong>Folgende M\u00f6glichkeiten gibt es f\u00fcr die betriebliche Altersvorsorge:<\/strong><\/p><ul><li data-list-item-id=\"ec190201b02aa1172e76de1ca3b47fe8f\"><p style=\"margin-left:auto;\">Sie schlie\u00dfen f\u00fcr Ihre Mitarbeitenden eine <strong>Direktversicherung<\/strong> ab, bei der \u00fcber die Entgeltumwandlung und dem Arbeitgeberzuschuss in die Versicherung eingezahlt wird. Die Versicherung investiert das Geld dann in kosteneffiziente ETFs und Indexfonds.<\/p><\/li><li data-list-item-id=\"e785f144927c6cb0dde3d9441218fe6d6\"><p style=\"margin-left:auto;\">Sie vereinbaren mit Ihrem Mitarbeitendem eine Rentenzahlung \u00fcber die <strong>Direktzusage \/ Pensionszusage<\/strong>, die Sie dann \u00fcber Entgeltumwandlung an die entsprechende Versicherung weiterleiten.<\/p><\/li><\/ul><p><strong>Folgende drei Versicherungsformen der betrieblichen Altersvorsorge werden separat von Ihrem Unternehmen organisiert:<\/strong><\/p><ul><li data-list-item-id=\"e63ecabe577eafc351a351e7402db82d1\"><p style=\"margin-left:auto;\">Sie schlie\u00dfen f\u00fcr Ihren Mitarbeitenden einen Vertrag mit einer <strong>Unterst\u00fctzungskasse<\/strong> ab, bei der \u00fcber die Entgeltumwandlung und dem Arbeitgeberzuschuss eingezahlt wird. Die Einzahlungen aus der Entgeltumwandlung sind in unbegrenzter H\u00f6he steuerbefreit, wodurch sich diese Variante f\u00fcr Personen mit hohem Einkommen lohnt.<\/p><\/li><li data-list-item-id=\"e200a5d246444251cc33603592d79f22e\"><p style=\"margin-left:auto;\">Sie schlie\u00dfen f\u00fcr Ihren Mitarbeitenden einen Vertrag mit einer <strong>Pensionskasse<\/strong> ab, bei der \u00fcber die Entgeltumwandlung und dem Arbeitgeberzuschuss in die Versicherung eingezahlt wird. Die Versicherung investiert das Geld dann in Anleihen.<\/p><\/li><li data-list-item-id=\"e6f3c232235f52e003efe08274caf043b\"><p style=\"margin-left:auto;\">Sie schlie\u00dfen f\u00fcr Ihren Mitarbeitenden einen Vertrag f\u00fcr <strong>Pensionsfonds<\/strong> ab, bei der \u00fcber die Entgeltumwandlung und dem Arbeitgeberzuschuss in die Versicherung eingezahlt wird. Die Versicherung investiert das Geld dann in Fonds.<\/p><\/li><\/ul><p>Sofern es zu einem <strong>Arbeitgeberwechsel<\/strong> kommt, k\u00f6nnen Ihre Mitarbeitenden bei einer <strong>Direktversicherung<\/strong> - falls der neue Arbeitgeber die betriebliche Altersvorsorge nicht \u00fcbernimmt - den Vertrag <strong>mit eigenen Beitr\u00e4gen<\/strong> weiterf\u00fchren. Zudem besteht auch die M\u00f6glichkeit, die Versicherung aufgrund des neuen Arbeitgebers zu wechseln und die bereits get\u00e4tigten Einzahlungen zu \u00fcbertragen.-<\/p>"}},{"id":1518,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Wie wird die Betriebsrente ausgezahlt?","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Die Auszahlung der Betriebsrente erfolgt meist im regul\u00e4ren Rentenalter, kann jedoch auch bereits ab dem 62. Geburtstag ausgezahlt werden. Versicherungsvertr\u00e4ge, die bereits vor dem Jahr 2012 abgeschlossen worden sind, erm\u00f6glichen auch eine Auszahlung ab dem 60. Geburtstag.<\/p>\n<p><strong>Grunds\u00e4tzlich kann die Auszahlung der Betriebsrente durch das Kapitalwahlrecht auf drei verschiedenen Wegen erfolgen:<\/strong><\/p><ol><li data-list-item-id=\"e47fd755fb3c0c4be1ea70315d38c98b9\"><p style=\"margin-left:auto;\">Mitarbeitende lassen sich Ihre betriebliche Altersvorsorge als monatliche Rente bis zu Ihrem Lebensende auszahlen.<\/p><\/li><li data-list-item-id=\"eeb744a90a6246383f59ffcce90525458\"><p style=\"margin-left:auto;\">Mitarbeitende lassen sich den gesamten eingezahlten Betrag in die betriebliche Altersvorsorge einmalig (zu 100%) ausbezahlen und erhalten somit keine weitere Rentenzahlung mehr.<\/p><\/li><li data-list-item-id=\"eefbb2f16c32d408091743c944fe09866\"><p style=\"margin-left:auto;\">Mitarbeitende lassen sich einen Teil des gesamten eingezahlten Betrags (meist 30%) auszahlen und erhalten den Rest als monatliche Rente bis an ihr Lebensende.<\/p><\/li><\/ol><p><strong>Wie wird die Betriebsrente bei Auszahlung versteuert?<\/strong><\/p>\n<p>Unabh\u00e4ngig von der gew\u00e4hlten Variante der Auszahlung m\u00fcssen die ausbezahlten Betr\u00e4ge mit dem <strong>pers\u00f6nlichen Einkommensteuersatz<\/strong> voll versteuert werden. Dieser Steuersatz wird jedoch im Rentenalter geringer ausfallen, da die Einnahmen hierbei deutlich geringer ausfallen.<\/p>\n<p>Zus\u00e4tzlich zur Einkommenssteuer fallen im Rentenalter noch <strong>Sozialabgaben<\/strong> (durchschnittlich ca. 15,5%) an, sprich <strong>Beitr\u00e4ge zur Krankenversicherung und Pflegeversicherung<\/strong>. Dies l\u00e4sst sich darauf zur\u00fcckf\u00fchren, dass aufgrund der Entgeltumwandlung weniger Sozialabgaben geleistet werden. Mitarbeiter mit einer privaten Krankenversicherung m\u00fcssen jedoch keine Sozialversicherungsbeitr\u00e4ge leisten.<\/p>\n<p>Im <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/Downloads\/Gesetze\/2017-08-23-Betriebsrentenstaerkungsgesetz.pdf?__blob=publicationFile&amp;v=3\" target=\"_self\" class=\"PrimaryButton_btnVArrow__B4qFk no__underline PrimaryButton_noArrow__L6uh1 PrimaryButton_blog__YgNRS\">Betriebsrentenst\u00e4rkungsgesetz<\/a> ist zur Entlastung der Betriebsrentner seit dem 1. Januar 2020 ein monatlicher <strong>Freibetrag von 173,25 Euro (Jahr 2024)<\/strong> festgelegt worden. Dadurch m\u00fcssen nur Personen, die eine h\u00f6here Betriebsrente als 173,25 Euro erhalten, Beitr\u00e4ge zur Krankenversicherung und Pflegeversicherung bezahlen.<\/p>"}},{"id":1519,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Welche Mitarbeitende k\u00f6nnen die betriebliche Altersvorsorge beanspruchen?","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<p>Prinzipiell k\u00f6nnen <strong>alle Mitarbeitenden<\/strong> eine betriebliche Altersvorsorge beanspruchen.<\/p>"}},{"id":1520,"type":"text","colPos":1,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"header":"Gesetzliche Grundlagen","subheader":"","headerLayout":2,"headerPosition":"","headerLink":"","bodytext":"<ul><li><a href=\"https:\/\/datenbank.nwb.de\/Dokument\/864528\/\" target=\"_blank\" class=\"PrimaryButton_btnVArrow__B4qFk no__underline PrimaryButton_noArrow__L6uh1 PrimaryButton_blog__YgNRS\" rel=\"noreferrer\">BMF-Schreiben vom 12.08.2021<\/a> (Steuerliche F\u00f6rderung der betrieblichen Altersvorsorge)<\/li><li><a href=\"https:\/\/www.gesetze-im-internet.de\/estg\/__3.html\" target=\"_blank\" class=\"PrimaryButton_btnVArrow__B4qFk no__underline PrimaryButton_noArrow__L6uh1 PrimaryButton_blog__YgNRS\" rel=\"noreferrer\">\u00a7 3 Nr. 63 EStG<\/a> (Steuerfreie Beitr\u00e4ge zur betrieblichen Altersvorsorge)<\/li><li><a href=\"https:\/\/www.gesetze-im-internet.de\/sgb_4\/__14.html\" target=\"_blank\" class=\"PrimaryButton_btnVArrow__B4qFk no__underline PrimaryButton_noArrow__L6uh1 PrimaryButton_blog__YgNRS\" rel=\"noreferrer\">\u00a7 14 Abs. 1 Satz 2 SGB IV<\/a> (Befreiung von Sozialversicherungsbeitr\u00e4gen)<\/li><li><a href=\"https:\/\/www.gesetze-im-internet.de\/estg\/__3.html\" target=\"_blank\" class=\"PrimaryButton_btnVArrow__B4qFk no__underline PrimaryButton_noArrow__L6uh1 PrimaryButton_blog__YgNRS\" rel=\"noreferrer\">\u00a7 3 Nr. 55 EStG<\/a> (\u00dcbertragung der betrieblichen Altersvorsorge auf einen neuen Arbeitgeber)<\/li><li><a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/Downloads\/Gesetze\/2017-08-23-Betriebsrentenstaerkungsgesetz.pdf?__blob=publicationFile&amp;v=3\" target=\"_blank\" class=\"PrimaryButton_btnVArrow__B4qFk no__underline PrimaryButton_noArrow__L6uh1 PrimaryButton_blog__YgNRS\" rel=\"noreferrer\">Betriebsrentenst\u00e4rkungsgesetz<\/a> (St\u00e4rkung der betrieblichen Altersvorsorge)<\/li><\/ul>"}}],"colPos0":[{"id":1490,"type":"probonio_hero","colPos":0,"categories":"","appearance":{"layout":"default","frameClass":"default","spaceBefore":"","spaceAfter":""},"content":{"headline":"Betriebliche Altersvorsorge","description":"","bodytext":"<p><strong>Lexikon:<\/strong> Alles was Sie zu der betrieblichen Altersvorsorge wissen m\u00fcssen.<\/p>","leftlink":"","leftlinktext":"","rightlink":"","rightlinktext":"","image":{"url":"https:\/\/website-assets.probonio.de\/_processed_\/6\/7\/csm_benefit-lexikon-betriebliche-altersvorsorge-frau-smartphone-sofa_c13786e4c0.webp?1757512749","alternative":"\u00c4ltere Frau sitzt mit dem Smartphone in der Hand auf dem Sofa und l\u00e4chelt","width":1232,"height":1232,"title":"Benefit Lexikon betriebliche Altersvorsorge","link":null,"cropVariants":{"default":{"url":"https:\/\/website-assets.probonio.de\/_processed_\/6\/7\/csm_benefit-lexikon-betriebliche-altersvorsorge-frau-smartphone-sofa_c13786e4c0.webp?1757512749","width":1232,"height":1232,"sourceSet":{"480":{"publicUrl":"https:\/\/website-assets.probonio.de\/_processed_\/6\/7\/csm_benefit-lexikon-betriebliche-altersvorsorge-frau-smartphone-sofa_643c4187ec.webp","properties":{"title":"Benefit Lexikon betriebliche Altersvorsorge","alternative":"\u00c4ltere Frau sitzt mit dem Smartphone in der Hand auf dem Sofa und 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