Capital-Forming Benefits: Who Qualifies and What You Get
Learn how to receive employer-funded savings contributions if you are an employee covered by a collective bargaining agreement.
This scheme allows employers to contribute money toward your personal savings.
Who it's for
This benefit is available to employees who are covered by a collective bargaining agreement.
What you get
Your employer can provide funded savings contributions to help you build capital. These contributions can reach up to €40 per month.
What it costs you
There is no direct monetary cost to join, but you must take the step of opening a specific savings account that is eligible for these benefits.
The catch to know
This benefit is not always automatic. Many employees miss out on these funds simply because they do not explicitly ask or check if it is being offered by their workplace.
How to apply
- Check your employment contract or collective bargaining agreement to see if you qualify.
- Speak with your employer to confirm if they offer these benefits.
- Open a specialized savings account that is eligible for these specific contributions.
- Provide your account details to your employer so they can start the payments.