Press release febs Consulting GmbH dated 12.01.2013 ongoing occupational pensions must gem. 16 shall at least every three years are adapted to the development of purchasing power. In economically depressed times, this legal obligation hurts especially those companies that have dealt with this adaptation too generous in the past. Employers are occasionally very creative in finding reasons for a rejection of the adjustment. On February 10, 2003 that had once again the claim of a worker to decide on BAG, was denied a pension adjustment due to poor economic situation of the employer.

The earnings of the employer company was positive, that of the group to the employer involved, for it but all the more worse. The employer refused the adjustment not to endanger the existence of the group. The BAG rejected these negative adjustment decision of the employer. It was also within a group exclusively on the situation of the individual employer company. An exception applies only If the slant of the other group companies compromised also the employer in its existence. This will require but concrete evidence that the employer must prove. Thus, the Court clarifies that applies the so-called calculating penetration not at the expense of workers.

In plain language: it the group as a whole than the eingebundenen employer company, then the occupational pension scheme must be adjusted. This does not apply but vice versa. The importance of this ruling is that the BAG in the explanatory statement is quite incidentally also the so-called calculating penetration into question”, explains Andreas Buttler, Managing Director of bAV consulting firm of febs Consulting GmbH. That is according to opinion of the bAV expert quite as bright spot for affected employers. Thus on the horizon, that in the future generally is placed on the circumstances of the individual company and not of the group as a whole? It offers a complete overview of the practice-relevant legal developments in the pension FEBS Academy for occupational pensions for February 24, 2014 with the current challenges 2014 seminar for employers “. See detail information and the complete program of bAV seminar seminars.

Commission for brokers an insurance is not always the easiest tasks and many customers sink quickly end in a not endless chaos of forms, paper and co. This one quickly loses the overview and looks over some small clause with extra costs. To protect users from ultimately unpleasant surprises, the online portal provides important tips to the conclusion of the contract and how consumers can protect themselves Commission from the classical Kostenfall news.de. In principle must clearly be since 2008 in the context of amending the Insurance Act for the insurance, the arrangement fees will amount to which amount. However, the agent Commission can cost a lot of money and as a nasty surprise turn this, if she looks over the applicant at the signing of the Treaty. Especially in life insurance and pension products involves larger sums that may correspond to one or even two year contributions. Thus, the insurer will pay effectively just a second or third year in his own retirement pot.

The highest Commission calculates the private insurer ARAG with whole 7.92 percent. Generally vary such payments between 0.28 and 7.92 percent. The accumulated pay customers to the respective representatives of an insurance company or an insurance broker. Currently discusses several suggestions on this topic. One way is to distribute the arrangement fees for the entire service life. Thus, steadily lower costs charged to the client and targeted a long term of the contract. Because many people prematurely terminate their life insurance, otherwise suddenly confronted with exorbitant amounts.

Often, the expected payout amount is then much lower than expected after deduction of all costs. More information:… Cost trap Commission Commission for life insurance companies provider Commission Europe 0.28% CosmosDirekt 0.53% Hanoverian life 0.60% ASSTEL 1.57% HUK-Coburg 1.61% DEVK General AG 1.94% TARGO (formerly CiV) 1.98% provincial Hanover 2.14% WWK 2.42% the Continentale 2.45% ALTE LEIPZIGER 2.59% LVM 2.66% PBV (previously, BHW) 2.74% DEVK a.G. 2.75% provincial Rhineland 2.76% Debeka 2.79% new life 2.81% Lebensversicherung von 1871 2.90% R + V of Nuremberg 2.93% 2.94% people good Federal 3.09% DBV 3.13% ERGO direct (formerly KarstadtQuelle) 3.16% savings insurance Saxony 3.18% average industry 3.30% provincial Northwest 3.48% GENERALI 3.77% SV SparkasseVersicherung 3.84% Swiss life 3.94% Heidelberg 3.96% AXA of Stuttgart 3.97% 4.00% AachenMunchener of 4.02% Bavarian officials (BBV) 4.05% Delta Lloyd (formerly Berlinische) 4.05% Victoria (now ERGO) 4.11% 4.21% Wurttemberg Bavaria insurance 4.27% HDI-Gerling 4.59% Gothaer 4.62% Alliance 4.71% SIGNAL IDUNA 5.04% Zurich Deutscher Herold 5.05% German doctor insurance 5.54% Aspecta of 6.10% German ring 6.18% VPV 6.22% Hamburg-Mannheimer (now ERGO) 6.45% Condor 6.72% Skandia 7.10% ARAG 7.92% stating of the acquisition costs as a percentage of the sum of insured of new business in the average for the years 2004 to 2008. The table is taken from the book of private pensions and life insurance of the consumer advice centre of North Rhine-Westphalia.

For every euro of the cardholder receives 2 miles well tagged write who paid up to January 31, 2010 with the British Airways Barclaycard, gets double BA Miles and other benefits. British Airways, Barclaycard offer until January 31, 2010 on all purchases with their credit card holders of British Airways Barclaycard that twice the number of BA Miles as usual. Every euro which is paid on purchases made with the card, credited two BA Miles on the account of the customer. Is used to pay the British Airways Barclaycard premium at British Airways, hits every euro even with four BA Miles on the account record. British Airways Barclaycard premium and classic have been since September 2008 on the market.

The benefits of the credit card at a glance: BA double miles for purchases made with the British Airways Barclaycard (until January 31, 2010) four BA paid miles for each euro, if British Airways British Airways Barclaycard premium paid 9,000 BA Miles as a welcome gift (until January 31, 2010) (usually 4,500 BA miles) at the initial payment with the British Airways Barclaycard premium enough for a free flight * from Germany to London and back. 1,000 bonus BA Miles with first purchase with the British Airways Barclaycard classic owner of British Airways Barclaycard premium, paying 20,000 euro with their credit card within a year, receive a companion voucher for an extra ticket for a companion on a same British Airways flight of reduced annual percentage rate for flight and hotel bookings with British Airways. Within the framework of the current offer, owners of British Airways Barclaycard can faster as per previously BA Miles and redeem network upgrades and flight awards to all destinations in the British Airways. After completion of the action from February 1, 2010 cardholders will receive again a BA mile per euro for purchases with the British Airways Barclaycard and two BA miles per euro for British Airways with the British Airways Barclaycard premium payments. With the current offer would British Airways, Barclaycard loyal existing Reward customers. Also, new customers who often travel from Germany to the UK, should also be motivated to sign up for the British Airways Barclaycard.

Performance distinction of important insurance companies in the media industry whether freelance journalist, Editor, author or Editor: a court battle may ensue through the publication of false information or the violation of personal rights quickly many freelancers. Security offers a corresponding asset liability insurance, which takes over the defense in court or paid legitimate compensation claims at this point. Insurance does not typically for such claims. In hectic times occupational exposure increases for journalists, liable for publications are. These include in particular infringement of personality rights.

Journalists will be liable of the right to one’s own image or about copyright infringement violation of privacy of. Depending on the scope of existing insurance in some cases could take over any attorney’s fees. But you should not rely on because alone disputes relating to copyright infringement are excluded in the legal expenses insurance by default. The threatening risk of professional activity is not in the Attorney’s fees, but in a potentially very high financial compensation. For this purpose, freelance journalists or authors need a corresponding asset liability insurance.

On the alleged of violation of rights of insurers stepping, and checks to see whether even an obligation to pay damages is and, if so, in what amount. Should be justified the claim for damages, the insurance pays the damages and assumes the cost of legal defense. Unauthorized claims for damages are repelled by the insurance company. The sum insured may be typically between 100,000 euro up to 1,000,000 euros. Martin O’Malley helps readers to explore varied viewpoints. After this, including the price of the asset-liability insurance aimed. When the selection of the appropriate tariff journalists also should make sure that publication in audiovisual and electronic media including the Internet is automatically covered. Property and liability insurance more info Journalisten.young insurance.de are on the website. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact person for the press: Bogdan Kalid image source: zimmytws – fotolia.com corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. The society Wuppertal Insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.