{"id":458,"date":"2020-07-17T09:00:27","date_gmt":"2020-07-17T07:00:27","guid":{"rendered":"https:\/\/vorsorge.bav.digital\/bg-kliniken\/?page_id=458"},"modified":"2025-10-15T15:19:59","modified_gmt":"2025-10-15T13:19:59","slug":"bav","status":"publish","type":"page","link":"https:\/\/vorsorge.bav.digital\/bg-kliniken\/bav\/","title":{"rendered":"betriebliche Altersvorsorge"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap sidebar_right'  ><div  class='avia-slideshow av-atvfte-b68efebde4a5789a89982af6dc301047 avia-slideshow-no scaling av_slideshow_full avia-fade-slider av-slideshow-ui av-control-hidden av-no-slider-navigation av-hide-nav-arrows av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:100,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:true,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 34.3511450382%;'><li  class='avia-slideshow-slide av-atvfte-b68efebde4a5789a89982af6dc301047__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><div class='av-slideshow-caption av-atvfte-b68efebde4a5789a89982af6dc301047__0 caption_fullwidth caption_right caption_right_framed caption_framed'><div class=\"container caption_container\"><div class=\"slideshow_caption\"><div class=\"slideshow_inner_caption\"><div class=\"slideshow_align_caption\"><h2 class='avia-caption-title '  itemprop=\"name\" >IHRE BETRIEBLICHE ALTERSVORSORGE<\/h2><br\/><a href='https:\/\/vorsorge.bav.digital\/bg-kliniken\/#beratung'  class='avia-slideshow-button avia-button avia-color-theme-color ' data-duration='800' data-easing='easeInOutQuad'>\u00bb Jetzt individuelle Beratung vereinbaren<\/a><\/div><\/div><\/div><\/div><\/div><img decoding=\"async\" class=\"wp-image-902 avia-img-lazy-loading-not-902\"  src=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/10\/bav-ballons-slider-web-2018.jpg\" width=\"1310\" height=\"450\" title='BAV-Ballons-Slider-Web-2018' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/10\/bav-ballons-slider-web-2018.jpg 1310w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/10\/bav-ballons-slider-web-2018-300x103.jpg 300w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/10\/bav-ballons-slider-web-2018-768x264.jpg 768w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/10\/bav-ballons-slider-web-2018-1030x354.jpg 1030w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/10\/bav-ballons-slider-web-2018-705x242.jpg 705w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/10\/bav-ballons-slider-web-2018-450x155.jpg 450w\" sizes=\"(max-width: 1310px) 100vw, 1310px\" \/><\/div><\/li><\/ul><\/div><\/div>\n<div id='was-ist-bav'  class='avia-section av-ahbyqa-7b35a2ad732cbb458d67ac1488b4e7af main_color avia-section-default avia-no-shadow  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-aan4z6-d36bf6c32736a93b692e2de0120bfb1b\">\n#top .av-special-heading.av-aan4z6-d36bf6c32736a93b692e2de0120bfb1b{\npadding-bottom:40px;\n}\nbody .av-special-heading.av-aan4z6-d36bf6c32736a93b692e2de0120bfb1b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-aan4z6-d36bf6c32736a93b692e2de0120bfb1b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-aan4z6-d36bf6c32736a93b692e2de0120bfb1b av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-2  el_before_av_testimonials  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Betriebliche Altersvorsorge \u00bb EMOTIONAL ERLEBEN<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-testimonial-wrapper av-a7ha7m-c70625e656cb67487c8b60e1668d0795 avia-grid-testimonials avia-grid-2-testimonials avia_animate_when_almost_visible' >\n<section class=\"avia-testimonial-row\"><div class='avia-testimonial av-9yealu-42581fe0db9f318f7bdb1d64d0777545 avia-testimonial-row-1 avia-first-testimonial flex_column no_margin av_one_half'><div class='avia-testimonial_inner'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia-testimonial-content '><div class='avia-testimonial-markup-entry-content'  itemprop=\"text\" ><blockquote>\n<p><strong>\u201eVerlieren Sie Ihre W\u00fcnsche, Pl\u00e4ne und Tr\u00e4ume von Ihrem Lebensabend nicht aus den Augen! Wir beraten Sie gerne und ausf\u00fchrlich dar\u00fcber, welche Art der betrieblichen Vorsorge f\u00fcr Sie die richtige ist.\u201c<\/strong><\/p>\n<\/blockquote>\n<\/div><\/div><div class=\"avia-testimonial-meta\"><div class=\"avia-testimonial-arrow-wrap\"><div class=\"avia-arrow\"><\/div><\/div><div class='avia-testimonial-meta-mini'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><\/div><\/div><\/div><\/div>\n<\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9swlbm-7137be7f1c376ebf27b7e5ca31ad8c83\">\n.flex_column.av-9swlbm-7137be7f1c376ebf27b7e5ca31ad8c83{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-9swlbm-7137be7f1c376ebf27b7e5ca31ad8c83 av_two_third  avia-builder-el-4  el_after_av_testimonials  el_before_av_one_third  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9mf9mq-303d2ec88b7812771d9a8d5b10eaf5a9\">\n#top .avia-icon-list-container.av-9mf9mq-303d2ec88b7812771d9a8d5b10eaf5a9 .iconlist_icon{\nbackground-color:#575756;\n}\n<\/style>\n<div  class='avia-icon-list-container av-9mf9mq-303d2ec88b7812771d9a8d5b10eaf5a9  avia-builder-el-5  el_before_av_textblock  avia-builder-el-first '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-9mf9mq-303d2ec88b7812771d9a8d5b10eaf5a9 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-9glk8y-8d9efa578dac3ea2ca42d35fd4616ed0 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81c' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry av-iconlist-empty\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Was ist die betriebliche Altersvorsorge?<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n<section  class='av_textblock_section av-9e8ooy-9dc6d73c0dca6c0ac9c80cf13207e269'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Die betriebliche Altersvorsorge &#8222;bAV&#8220; ist die \u00e4lteste S\u00e4ule der gesamten Altersvorsorgesystematik in Deutschland. Neben der gesetzlichen Rentenversicherung und einer privaten Altersvorsorge kommt der betrieblichen Altersvorsorge eine wichtige zentrale Bedeutung zu.<\/p>\n<p>Dieser zentralen Bedeutung wurde im Rahmen tiefgreifender Reformen seit 2002 durch die Schaffung eines gesetzlichen Rechtsanspruchs auf die Durchf\u00fchrung einer betrieblichen Altersvorsorge f\u00fcr den sozialversicherungspflichtig besch\u00e4ftigten Arbeitnehmer Rechnung getragen.<\/p>\n<blockquote>\n<p><strong>Wie funktioniert die betriebliche Altersvorsorge?<\/strong><\/p>\n<\/blockquote>\n<p>F\u00fcr Sie als Arbeitnehmer funktioniert die betriebliche Altersvorsorge sehr einfach und sehr transparent.<\/p>\n<p>Mittels einer Erg\u00e4nzungsvereinbarung zu Ihrem Arbeitsvertrag beauftragen Sie Ihren Arbeitgeber, den von Ihnen gew\u00e4hlten Beitrag an den Versorgungstr\u00e4ger abzuf\u00fchren. Ihr Arbeitgeber \u00fcberweist den gew\u00fcnschten Beitrag in der gew\u00fcnschten H\u00f6he mit Ihrer Gehaltsabrechnung direkt aus Ihrem Bruttolohn an den Versorgungstr\u00e4ger. Automatisch erhalten Sie auf diesem Weg die staatliche F\u00f6rderung in Form der Steuerbefreiung und Sozialversicherungsbeitragsbefreiung. Die F\u00f6rdergelder werden automatisch Ihrem Betriebsrentenkonto gutgeschrieben und Sie erhalten einen j\u00e4hrlichen Kontoauszug.<\/p>\n<p><strong>Sie k\u00f6nnen Ihre bAV monatlich auf Ihrer Gehaltsabrechnung einsehen und kontrollieren.<\/strong><\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-95iq82-195bb1e6706b293314d353c6ff963953\">\n.flex_column.av-95iq82-195bb1e6706b293314d353c6ff963953{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-95iq82-195bb1e6706b293314d353c6ff963953 av_one_third  avia-builder-el-7  el_after_av_two_third  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9281ui-420fc648c503efc3e5fbc82c1c5ebbc8\">\n.avia-image-container.av-9281ui-420fc648c503efc3e5fbc82c1c5ebbc8 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-9281ui-420fc648c503efc3e5fbc82c1c5ebbc8 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-9281ui-420fc648c503efc3e5fbc82c1c5ebbc8 av-styling- avia-align-center  avia-builder-el-8  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-877 avia-img-lazy-loading-not-877 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-02-2018.jpg\" alt='' title='bAV-Web-02-2018'  height=\"400\" width=\"600\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-02-2018.jpg 600w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-02-2018-300x200.jpg 300w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-02-2018-450x300.jpg 450w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='jetzt-handeln-bav'  class='avia-section av-8t0402-6ac626a7c687c4b12fd8c8e03134f9bf alternate_color avia-section-default avia-no-shadow  avia-builder-el-9  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8o1m2q-7ffd552394b3180439927e33184bddac\">\n#top .av-special-heading.av-8o1m2q-7ffd552394b3180439927e33184bddac{\npadding-bottom:40px;\n}\nbody .av-special-heading.av-8o1m2q-7ffd552394b3180439927e33184bddac .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-8o1m2q-7ffd552394b3180439927e33184bddac .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-8o1m2q-7ffd552394b3180439927e33184bddac av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-10  el_before_av_testimonials  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Jetzt handeln<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-testimonial-wrapper av-url1e-895ec8177d6554deeeafd6a1458f3d51 avia-grid-testimonials avia-grid-2-testimonials avia_animate_when_almost_visible' >\n<section class=\"avia-testimonial-row\"><div class='avia-testimonial av-8ef6mi-25c367284480c7322ee42564166413be avia-testimonial-row-1 avia-first-testimonial flex_column no_margin av_one_half'><div class='avia-testimonial_inner'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia-testimonial-content '><div class='avia-testimonial-markup-entry-content'  itemprop=\"text\" ><blockquote>\n<p><strong>\u201eWir alle gehen sp\u00e4ter in Rente, kriegen weniger Rente und haben mit h\u00f6heren Kosten zu rechnen. Da braucht man keinen Taschenrechner, um auf einen Blick zu verstehen, dass die finanziellen Aussichten f\u00fcr den eigenen Lebensabend rosiger sein k\u00f6nnten.\u201c<\/strong><\/p>\n<\/blockquote>\n<\/div><\/div><div class=\"avia-testimonial-meta\"><div class=\"avia-testimonial-arrow-wrap\"><div class=\"avia-arrow\"><\/div><\/div><div class='avia-testimonial-meta-mini'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><\/div><\/div><\/div><\/div>\n<\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-883h3e-6181e67a90822f02b6d9806a888ca554\">\n.flex_column.av-883h3e-6181e67a90822f02b6d9806a888ca554{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-883h3e-6181e67a90822f02b6d9806a888ca554 av_one_half  avia-builder-el-12  el_after_av_testimonials  el_before_av_one_half  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-80i2i2-27d34c7abc35608e09d0e312af3a036b\">\n.avia-image-container.av-80i2i2-27d34c7abc35608e09d0e312af3a036b img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-80i2i2-27d34c7abc35608e09d0e312af3a036b .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-80i2i2-27d34c7abc35608e09d0e312af3a036b av-styling- avia_animated_image av-animated-when-visible-95 left-to-right avia-align-left  avia-builder-el-13  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><a href=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018.png\" data-srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018.png 951w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-300x187.png 300w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-768x478.png 768w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-705x439.png 705w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-450x280.png 450w\" data-sizes=\"(max-width: 951px) 100vw, 951px\" class='avia_image' ><img decoding=\"async\" class='wp-image-940 avia-img-lazy-loading-not-940 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018.png\" alt='' title='Situation der gesetzlichen Renteversicherung 2018'  height=\"592\" width=\"951\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018.png 951w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-300x187.png 300w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-768x478.png 768w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-705x439.png 705w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2019\/03\/situation-der-gesetzlichen-renteversicherung-2018-450x280.png 450w\" sizes=\"(max-width: 951px) 100vw, 951px\" \/><\/a><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-sbtbe-d762a2eec94bac1e3696df9b4024b567\">\n.flex_column.av-sbtbe-d762a2eec94bac1e3696df9b4024b567{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-sbtbe-d762a2eec94bac1e3696df9b4024b567 av_one_half  avia-builder-el-14  el_after_av_one_half  el_before_av_three_fifth  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7pjjki-1b260bfabc4d6b76313922dc9ef08b1c\">\n#top .av-special-heading.av-7pjjki-1b260bfabc4d6b76313922dc9ef08b1c{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-7pjjki-1b260bfabc4d6b76313922dc9ef08b1c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-7pjjki-1b260bfabc4d6b76313922dc9ef08b1c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-7pjjki-1b260bfabc4d6b76313922dc9ef08b1c av-special-heading-h3  avia-builder-el-15  el_before_av_textblock  avia-builder-el-first '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Die Situation<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-7jftui-221fc50b173b77c439cfb31c23a01598'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Die gesetzliche Rentenversicherung alleine ist nicht mehr ausreichend, da der Generationenvertrag nicht mehr funktioniert. Daher ist es sinnvoll und notwendig \u00fcber die betriebliche Altersvorsorge nicht nur nachzudenken.<\/p>\n<p>Handeln Sie jetzt und bereiten Sie sich gezielt auf Ihre Altersruhezeit vor. Wir von Ecclesia Pension &amp; Benefits GmbH beraten Sie und zeigen Ihnen die betrieblichen Vorsorgem\u00f6glichkeiten gerne in einem pers\u00f6nlichen Gespr\u00e4ch.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7d1m1e-bbdaad3150d29e04f13a2402096ebce5\">\n.flex_column.av-7d1m1e-bbdaad3150d29e04f13a2402096ebce5{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-7d1m1e-bbdaad3150d29e04f13a2402096ebce5 av_three_fifth  avia-builder-el-17  el_after_av_one_half  el_before_av_two_fifth  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-q2pka-4823622bc5dacdaefd69d474d8e10b59\">\n#top .avia-icon-list-container.av-q2pka-4823622bc5dacdaefd69d474d8e10b59 .iconlist_icon{\nbackground-color:#575756;\n}\n<\/style>\n<div  class='avia-icon-list-container av-q2pka-4823622bc5dacdaefd69d474d8e10b59  avia-builder-el-18  el_before_av_textblock  avia-builder-el-first '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-q2pka-4823622bc5dacdaefd69d474d8e10b59 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-6zwokq-5d95582dec6fc5fa0a8349c376eaee33 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue8d7' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry av-iconlist-empty\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Gute Gr\u00fcnde f\u00fcr die betriebliche Vorsorge<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n<section  class='av_textblock_section av-6v121m-0d9cded58d4b66653f4b37d1b60b8de5'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Wenn man an den eigenen Lebensabend denkt, gibt es heutzutage zahllose M\u00f6glichkeiten und Angebote. Endlich hat man Ruhe und Mu\u00dfe f\u00fcr erholsame Kreuzfahrten, aufregende St\u00e4dtereisen, Spa\u00df mit den eigenen Enkelkindern, Kultur und Kulinarisches, sportliche Aktivit\u00e4ten und noch so viele Dinge mehr, die man in seinem wohlverdienten Ruhestand anfangen kann.<\/p>\n<p>Das aber nur, wenn man im Berufsleben bereits an die Altersvorsorge denkt und sie auch umsetzt. Nicht jeder in Deutschland geh\u00f6rt zu den Spitzenverdienern \u2013 und gerade als \u201eOtto-Normal-Verdiener\u201c sollte man eine betriebliche Vorsorge f\u00fcr den Lebensabend ernsthaft in Betracht ziehen.<\/p>\n<blockquote>\n<p><strong>Das Renteneintrittsalter ist auf 67 Jahre gestiegen<\/strong><\/p>\n<\/blockquote>\n<p>Aktueller Stand: die Rente mit 67 \u2013 weitere Entwicklung ungewiss. Das bedeutet im Klartext: Wir m\u00fcssen alle l\u00e4nger arbeiten und wer dennoch fr\u00fcher in Rente geht, muss mit empfindlichen finanziellen Einschnitten rechnen. F\u00fcr jeden Monat, den man fr\u00fcher in Rente geht, gibt es dann 0,30 Prozent weniger Geld.<\/p>\n<p>Wer in Zukunft zum Beispiel mit 63 in den Ruhestand gehen m\u00f6chte, muss einen dauerhaften Abschlag von 14,40 Prozent pro Monat verkraften.<\/p>\n<blockquote>\n<p><strong>Das gesetzliche Rentenniveau sinkt<\/strong><\/p>\n<\/blockquote>\n<p>Unabh\u00e4ngig von den finanziellen Einschnitten durch einen fr\u00fcheren Renteneintritt sinkt das gesetzliche Rentenniveau grunds\u00e4tzlich. Die Gr\u00fcnde daf\u00fcr sind leicht nachzuvollziehen. Unsere Gesellschaft wird immer \u00e4lter, einer stetig wachsenden Zahl von Leistungsempf\u00e4ngern steht eine sinkende Zahl von Beitragszahlern gegen\u00fcber.<\/p>\n<p>Wer zum Beispiel heute 40 bis 42 Beitragsjahre eingezahlt hat und in Rente gehen m\u00f6chte, kann mit einer monatlichen Zahlung von ca. 40 Prozent seines Bruttolohnes rechnen. Bei einem Renteneintritt knapp 20 Jahre sp\u00e4ter werden es nur noch ca. 34 Prozent sein.<\/p>\n<blockquote>\n<p><strong>Die Kosten im Alter steigen<\/strong><\/p>\n<\/blockquote>\n<p>Dieses Problem erreicht einen nat\u00fcrlich schon weit vor dem Lebensabend, denn was in dieser Welt wird schon von Jahr zu Jahr g\u00fcnstiger? Aber unabh\u00e4ngig von der allgemeinen Inflation steigen insbesondere die Kosten f\u00fcr Gesundheit und Pflege im Alter \u00fcberproportional an. Denn Medizin und Pflege nehmen im Alter einen erh\u00f6hten Stellenwert ein, da treffen einen Rentner die Zuzahlungen bei Medikamenten st\u00e4rker als eine junge Familie. Zus\u00e4tzlich m\u00fcssen Arbeitnehmer, die in Rente gehen, ihre gesetzliche Rente versteuern. Im Jahr 2017 sind es 74 Prozent der gesetzlichen Rente, die versteuert werden m\u00fcssen. Wer nach 2040 in den Ruhestand geht, muss seine gesetzliche Rente voll versteuern. Das Ergebnis ist eine Nettorente, die deutlich unter der Bruttorente liegt.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6nt0xm-7b045eef3a8422eb7a98c7123b1cd0d4\">\n.flex_column.av-6nt0xm-7b045eef3a8422eb7a98c7123b1cd0d4{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-6nt0xm-7b045eef3a8422eb7a98c7123b1cd0d4 av_two_fifth  avia-builder-el-20  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6kttd6-33e60893da7210569874bf31b86ee756\">\n#top .av-special-heading.av-6kttd6-33e60893da7210569874bf31b86ee756{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-6kttd6-33e60893da7210569874bf31b86ee756 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-6kttd6-33e60893da7210569874bf31b86ee756 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-6kttd6-33e60893da7210569874bf31b86ee756 av-special-heading-h3  avia-builder-el-21  el_before_av_textblock  avia-builder-el-first '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Mit welcher Rente k\u00f6nnen Sie rechnen?<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-6ee2ru-1ea0b21e6588aa7c10c912c6cf1afed0'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Hier finden Sie den unabh\u00e4ngigen Rentenrechner des Gesamtverband der Deutschen Versicherungswirtschaft e.V. (GDV). Einfach mal ausprobieren, ob Sie wirklich eine Rentenl\u00fccke haben.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-65zghe-b3a90b2e0b210d5cd64386a020a34131\">\n#top .hr.hr-invisible.av-65zghe-b3a90b2e0b210d5cd64386a020a34131{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-65zghe-b3a90b2e0b210d5cd64386a020a34131 hr-invisible  avia-builder-el-23  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-642t16-2873a93d4fad62799432da755fecc85c'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><div class=\"BorlabsCookie _brlbs-cb-default\"><div class=\"_brlbs-content-blocker\"> <div class=\"_brlbs-default\"> <p>Klicken Sie auf den unteren Button, um den Inhalt von rentenrechner.dieversicherer.de zu laden.<\/p> <p><a class=\"_brlbs-btn\" href=\"#\" data-borlabs-cookie-unblock role=\"button\">Inhalt laden<\/a><\/p> <\/div> <\/div><div class=\"borlabs-hide\" data-borlabs-cookie-type=\"content-blocker\" data-borlabs-cookie-id=\"default\"><script type=\"text\/template\">PHA+PGlmcmFtZSBzdHlsZT0id2lkdGg6IDEwMCU7IGhlaWdodDogNTYwcHg7IGJvcmRlcjogMDsiIHNyYz0iaHR0cHM6Ly9yZW50ZW5yZWNobmVyLmRpZXZlcnNpY2hlcmVyLmRlL2FwcC8\/dXRtX3NvdXJjZT13d3cucGVuc2lvbi1zb2x1dGlvbnMuZGUmYW1wO3V0bV9tZWRpdW09ZW1iZWQmYW1wO3V0bV9jYW1wYWlnbj1pZnJhbWVfcmVudGVubHVlY2tlbnJlY2huZXImYW1wO3RpZD0xNTMwODAzMTUxNDA3Ij48L2lmcmFtZT48L3A+<\/script><\/div><\/div>\n<\/div><\/section><\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='ihre-vorteile-bav'  class='avia-section av-5wzig2-efe7ffbd594df180bfb66eae9225b2dc main_color avia-section-default avia-no-shadow  avia-builder-el-25  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5rwsii-84ad0f8d7adcbec2d1a1e806ff8ebe02\">\n#top .av-special-heading.av-5rwsii-84ad0f8d7adcbec2d1a1e806ff8ebe02{\npadding-bottom:40px;\n}\nbody .av-special-heading.av-5rwsii-84ad0f8d7adcbec2d1a1e806ff8ebe02 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5rwsii-84ad0f8d7adcbec2d1a1e806ff8ebe02 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5rwsii-84ad0f8d7adcbec2d1a1e806ff8ebe02 av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-26  el_before_av_one_half  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Verwirklichen Sie Ihre Ziele<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jzm7u-5672bb907227fd302d549f25dd006a1f\">\n.flex_column.av-jzm7u-5672bb907227fd302d549f25dd006a1f{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-jzm7u-5672bb907227fd302d549f25dd006a1f av_one_half  avia-builder-el-27  el_after_av_heading  el_before_av_one_half  first flex_column_div av-zero-column-padding '     ><p><section  class='av_textblock_section av-jj2je-0fb76a16fad5591e7edd293399c590ac'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-1091\" src=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-bav-741x1030.jpg\" alt=\"\" width=\"741\" height=\"1030\" srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-bav-741x1030.jpg 741w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-bav-216x300.jpg 216w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-bav-768x1067.jpg 768w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-bav-507x705.jpg 507w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-bav-450x625.jpg 450w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-bav.jpg 870w\" sizes=\"auto, (max-width: 741px) 100vw, 741px\" \/><\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-593u56-f237d6054fce3955966f9ae67e394475\">\n#top .avia-icon-list-container.av-593u56-f237d6054fce3955966f9ae67e394475 .iconlist_icon{\nbackground-color:#575756;\n}\n<\/style>\n<div  class='avia-icon-list-container av-593u56-f237d6054fce3955966f9ae67e394475  avia-builder-el-29  el_after_av_textblock  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-593u56-f237d6054fce3955966f9ae67e394475 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-52m30q-e128d8761fe813daf5791c3f3217d5fe avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81e' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Arbeitgeberf\u00f6rderung<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>G\u00fcnstigerer Beitrag durch staatliche F\u00f6rderung und durch Ihren Arbeitgeber bis zu 20 % auf Ihre Bruttoumwandlung (bis max. 4 Prozent BBG GRV West).<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4vsvuy-f2a7593388de92c0717d271f20b2879a\">\n.flex_column.av-4vsvuy-f2a7593388de92c0717d271f20b2879a{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-4vsvuy-f2a7593388de92c0717d271f20b2879a av_one_half  avia-builder-el-30  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4nbsu2-cdbb449098ea27dca95205603d062f28\">\n#top .hr.hr-invisible.av-4nbsu2-cdbb449098ea27dca95205603d062f28{\nheight:10px;\n}\n<\/style>\n<div  class='hr av-4nbsu2-cdbb449098ea27dca95205603d062f28 hr-invisible  avia-builder-el-31  el_before_av_heading  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4m5t9e-d29eae7671398e17ec8222d728cf4357\">\n#top .av-special-heading.av-4m5t9e-d29eae7671398e17ec8222d728cf4357{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-4m5t9e-d29eae7671398e17ec8222d728cf4357 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-4m5t9e-d29eae7671398e17ec8222d728cf4357 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-4m5t9e-d29eae7671398e17ec8222d728cf4357 av-special-heading-h3  avia-builder-el-32  el_after_av_hr  el_before_av_iconlist '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Die betriebliche Vorsorge lohnt sich: Ihre Vorteile im \u00dcberblick<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4ghleq-d4d918b3b4012eaf135d58a4cad8887e\">\n#top .avia-icon-list-container.av-4ghleq-d4d918b3b4012eaf135d58a4cad8887e .iconlist_icon{\nbackground-color:#575756;\n}\n<\/style>\n<div  class='avia-icon-list-container av-4ghleq-d4d918b3b4012eaf135d58a4cad8887e  avia-builder-el-33  el_after_av_heading  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-4ghleq-d4d918b3b4012eaf135d58a4cad8887e avia-iconlist-animate'>\n<li><div class='iconlist_icon av-45qba2-0e0a57bd6e337d959c8930534d822c8b avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Rentenl\u00fccke wird ausgeglichen<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Sie gleichen Ihre Rentenl\u00fccke der gesetzlichen Rentenversicherung aus.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-44tncq-6164304526cb960e4f1bd3b90eba57ec avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Entgeltumwandlung mit Steuervorteil<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Der Beitrag f\u00fcr die betriebliche Altersvorsorge wird aus Ihrem Bruttogehalt gezahlt. Durch die steuerlichen Vorteile sinkt Ihr Nettogehalt ungef\u00e4hr um die H\u00e4lfte des umgewandelten Bruttobetrags. Der Beitrag, den Sie f\u00fcr Ihre Rente sparen, ist daher fast doppelt so hoch im Vergleich zur privaten Altersvorsorge.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-1erii-7288eca28fefff92df5b38dc50bd6176 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Fr\u00fchere Vorsorge<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Die betriebliche Altersvorsorge ist ab dem vollendeten 62. Lebensjahr abrufbar.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-3ovbfe-f9b7d0874fcf65b8dbdcd07d9de2aaac avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Beitragsbefreiung bei Berufsunf\u00e4higkeit<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Alle Mitarbeiter, die vor dem 60. Lebensjahr eine betriebliche Altersversorgung abschlie\u00dfen, erhalten automatisch und ohne jegliche Gesundheitspr\u00fcfung eine Beitragsbefreiung bei Berufsunf\u00e4higkeit. Wenn Sie also berufsunf\u00e4hig werden sollten, zahlt der Versicherer die Beitr\u00e4ge einfach bis zum vereinbarten Ende der Vertragslaufzeit weiter. Sie erhalten somit eine vereinbarte Zusatzrente im Alter, selbst wenn Sie berufsunf\u00e4hig werden.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-3mlt0i-7e6438532adc2abf2dcaff115208a97a avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Flexible Beitragszahlung<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Sie k\u00f6nnen jederzeit die Beitr\u00e4ge reduzieren oder aussetzen.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-3e1mvm-a6c6e809c8c76ee8d90695fe59a45823 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Absicherung bei Arbeitslosigkeit<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Ihre Betriebsrente ist \u201eB\u00fcrgergeldsicher\u201c (ehemals Hartz IV), d.h. er wird bei einem Verlust des Arbeitsplatzes nicht herangezogen.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='so-funktioniert-es-bav'  class='avia-section av-39bqd6-1425f57cbd423a78dc9366f30182b3fc alternate_color avia-section-default avia-no-shadow  avia-builder-el-34  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-334bxe-d102f9f083d849c147bf5b87c1e8b446\">\n#top .av-special-heading.av-334bxe-d102f9f083d849c147bf5b87c1e8b446{\npadding-bottom:40px;\n}\nbody .av-special-heading.av-334bxe-d102f9f083d849c147bf5b87c1e8b446 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-334bxe-d102f9f083d849c147bf5b87c1e8b446 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-334bxe-d102f9f083d849c147bf5b87c1e8b446 av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-35  el_before_av_one_half  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >So funktioniert es<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-akwjm-0879b7232c2feca17d5fd0a4b71ced3c\">\n.flex_column.av-akwjm-0879b7232c2feca17d5fd0a4b71ced3c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-akwjm-0879b7232c2feca17d5fd0a4b71ced3c av_one_half  avia-builder-el-36  el_after_av_heading  el_before_av_one_half  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9rrxm-fe4722f039fe2824b522d5e2b780fd65\">\n.avia-image-container.av-9rrxm-fe4722f039fe2824b522d5e2b780fd65 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-9rrxm-fe4722f039fe2824b522d5e2b780fd65 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-9rrxm-fe4722f039fe2824b522d5e2b780fd65 av-styling- avia-align-center  avia-builder-el-37  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><a href=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz.jpg\" data-srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz.jpg 874w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-294x300.jpg 294w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-768x783.jpg 768w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-36x36.jpg 36w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-692x705.jpg 692w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-450x459.jpg 450w\" data-sizes=\"(max-width: 874px) 100vw, 874px\" class='avia_image' ><img decoding=\"async\" class='wp-image-1090 avia-img-lazy-loading-not-1090 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz.jpg\" alt='' title='Schaubild-DZ'  height=\"891\" width=\"874\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz.jpg 874w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-294x300.jpg 294w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-768x783.jpg 768w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-36x36.jpg 36w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-692x705.jpg 692w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2021\/07\/schaubild-dz-450x459.jpg 450w\" sizes=\"(max-width: 874px) 100vw, 874px\" \/><\/a><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2ihol6-b71f207dc25317dba31b5c1d37932c11\">\n.flex_column.av-2ihol6-b71f207dc25317dba31b5c1d37932c11{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-2ihol6-b71f207dc25317dba31b5c1d37932c11 av_one_half  avia-builder-el-38  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2db7mi-3f12f0d578022d5304dbaa82ee464100\">\n#top .av-special-heading.av-2db7mi-3f12f0d578022d5304dbaa82ee464100{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2db7mi-3f12f0d578022d5304dbaa82ee464100 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2db7mi-3f12f0d578022d5304dbaa82ee464100 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2db7mi-3f12f0d578022d5304dbaa82ee464100 av-special-heading-h3  avia-builder-el-39  el_before_av_hr  avia-builder-el-first '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Ihre Vorsorge denkt entspannt mit!<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-27wx0y-b9ac9f684618d40ce640dd35fd5e80ba\">\n#top .hr.hr-invisible.av-27wx0y-b9ac9f684618d40ce640dd35fd5e80ba{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-27wx0y-b9ac9f684618d40ce640dd35fd5e80ba hr-invisible  avia-builder-el-40  el_after_av_heading  el_before_av_image '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-22c3uy-72f14b0c0d01b6df4bf36e9032821b23\">\n.avia-image-container.av-22c3uy-72f14b0c0d01b6df4bf36e9032821b23 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-22c3uy-72f14b0c0d01b6df4bf36e9032821b23 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-22c3uy-72f14b0c0d01b6df4bf36e9032821b23 av-styling- avia-align-center  avia-builder-el-41  el_after_av_hr  avia-builder-el-last '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-879 avia-img-lazy-loading-not-879 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-04-2018.jpg\" alt='' title='bAV-Web-04-2018'  height=\"400\" width=\"600\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-04-2018.jpg 600w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-04-2018-300x200.jpg 300w, https:\/\/vorsorge.bav.digital\/bg-kliniken\/wp-content\/uploads\/sites\/92\/2018\/06\/bav-web-04-2018-450x300.jpg 450w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/div><\/div><\/div><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='unser-angebot-bav'  class='avia-section av-1v3mjm-87bcf4a3a623d670a22ff6df6d15a380 main_color avia-section-default avia-no-shadow  avia-builder-el-42  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1pcxyi-bc6de803adb4062db7f7e57e126c44ff\">\n#top .av-special-heading.av-1pcxyi-bc6de803adb4062db7f7e57e126c44ff{\npadding-bottom:40px;\n}\nbody .av-special-heading.av-1pcxyi-bc6de803adb4062db7f7e57e126c44ff .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1pcxyi-bc6de803adb4062db7f7e57e126c44ff .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1pcxyi-bc6de803adb4062db7f7e57e126c44ff av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-43  el_before_av_one_half  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Unser Angebot f\u00fcr Sie<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1jl3pe-f9347f6f7e2672cb2bb01796e570c94c\">\n.flex_column.av-1jl3pe-f9347f6f7e2672cb2bb01796e570c94c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-1jl3pe-f9347f6f7e2672cb2bb01796e570c94c av_one_half  avia-builder-el-44  el_after_av_heading  el_before_av_one_half  first flex_column_div av-zero-column-padding '     ><section  class='av_textblock_section av-1dex8y-c81d5cc8ab03eb8dbeca7b471be374ce'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img decoding=\"async\" src=\"https:\/\/vorsorge.bav.digital\/wp-content\/uploads\/2020\/06\/ps-group-verbraucherzentrale-empfiehlt-06.2020.jpg\" alt=\"BAV NRW Grafik\" \/><\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-18dhm2-f21d16c794cdf31629184cff6503fcff\">\n.flex_column.av-18dhm2-f21d16c794cdf31629184cff6503fcff{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-18dhm2-f21d16c794cdf31629184cff6503fcff av_one_half  avia-builder-el-46  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-13zs56-371b6aa1a009269677fcd3df6ae95c63\">\n#top .av-special-heading.av-13zs56-371b6aa1a009269677fcd3df6ae95c63{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-13zs56-371b6aa1a009269677fcd3df6ae95c63 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-13zs56-371b6aa1a009269677fcd3df6ae95c63 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-13zs56-371b6aa1a009269677fcd3df6ae95c63 av-special-heading-h3  avia-builder-el-47  el_before_av_iconlist  avia-builder-el-first '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Wir freuen uns darauf, Sie \u00fcberzeugen zu k\u00f6nnen<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-w1ave-1fe4bfe13c813709453df2cfcaab3daa\">\n#top .avia-icon-list-container.av-w1ave-1fe4bfe13c813709453df2cfcaab3daa .iconlist_icon{\nbackground-color:#575756;\n}\n<\/style>\n<div  class='avia-icon-list-container av-w1ave-1fe4bfe13c813709453df2cfcaab3daa  avia-builder-el-48  el_after_av_heading  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-w1ave-1fe4bfe13c813709453df2cfcaab3daa avia-iconlist-animate'>\n<li><div class='iconlist_icon av-p446y-3849cd6c8f4e28eaa00ac25bf89cdc52 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81e' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Innovative bAV-L\u00f6sung<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><div class=\"intro\">\n<p>Unsere innovativen bAV-L\u00f6sungen beinhalten gute Argumente f\u00fcr Ihre Altersvorsorge.<\/p>\n<\/div>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-ngg1m-fb56f524414f28188db0f4ec72a76867 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81e' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Staatliche und betriebliche F\u00f6rderung<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><div class=\"intro\">\n<p>Mit der staatlich und betrieblich gef\u00f6rderten Betriebsrente erg\u00e4nzen Sie wirkungsvoll Ihre Rente. Die H\u00f6he der betrieblichen F\u00f6rderung erfolgt gem\u00e4\u00df Ihrem tariflichen oder au\u00dfertariflichen Arbeitsvertrages.<\/p>\n<\/div>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-es14q-7d5fc36d4d16307b56e01d52f0979f90 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81e' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Moderne Verg\u00fctung mit System<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Die betriebliche Altersversorgung ist l\u00e4ngst Teil der modernen Verg\u00fctung \u2013 mit Zukunft!<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-bopey-f6a83b09091df03dc6de7484f1cc8525 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81e' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Verst\u00e4ndlichkeit<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Verst\u00e4ndliche Aufbereitung der komplexen Thematik und l\u00fcckenlose Dokumentation.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_5'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":18,"featured_media":0,"parent":0,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-458","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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