Add comprehensive documentation for key organizational aspects
- Introduced "Pension Scheme & Benefits" detailing secondary employment benefits and pension specifics. - Created "Roles & Accountabilities" outlining the Holacracy role structure and responsibilities within Respellion. - Added "Security" section covering GDPR compliance and workplace safety protocols. - Established "Spending and Contracting" policy detailing expense categories and submission processes. - Documented "Who We Are" to define Respellion's identity, services, and operational model under Holacracy and ISO 9001.
This commit is contained in:
RaymondVerhoef
118
knowledge-base/pension-scheme-and-benefits.md
Normal file
118
knowledge-base/pension-scheme-and-benefits.md
Normal file
@@ -0,0 +1,118 @@
|
||||
---
|
||||
title: Pension Scheme & Benefits
|
||||
category: Pension scheme & Benefits
|
||||
source_files:
|
||||
- docs/Pension scheme & Benefits/secondary-employment-benefits.md
|
||||
- docs/Pension scheme & Benefits/jouw-pensioen.md
|
||||
summary: >
|
||||
Overview of secondary employment benefits (vacation, holiday allowance, travel
|
||||
and phone allowances, professional development, WIA disability insurance,
|
||||
pension) and the detailed pension scheme (a.s.r. Doen Pensioen defined
|
||||
contribution, contribution calculation, life cycles, survivor/disability cover).
|
||||
tags:
|
||||
- benefits
|
||||
- pension
|
||||
- defined-contribution
|
||||
- asr-doen-pensioen
|
||||
- holiday-allowance
|
||||
- travel-allowance
|
||||
- phone-allowance
|
||||
- wia
|
||||
- disability-insurance
|
||||
related_topics:
|
||||
- holiday-and-leave.md # vacation days detail, unpaid-leave pension impact
|
||||
- spending-and-contracting.md # travel km allowance detail
|
||||
- learning-personal-development.md # 40h development/conferences detail
|
||||
- day-to-day.md # travel allowance vs travel time
|
||||
key_facts:
|
||||
vacation_days_fulltime: 25 (200 hours)
|
||||
holiday_allowance: 8% of gross annual salary (paid monthly pro-rata)
|
||||
travel_allowance: EUR 0.23 per kilometer
|
||||
professional_development_hours: 40 per year
|
||||
mobile_phone_allowance: EUR 35 per month
|
||||
pension_provider: a.s.r. Doen Pensioen (advice via Zuyderleven)
|
||||
pension_type: Defined Contribution (beschikbare premieregeling)
|
||||
pension_premium: 10% of pension base
|
||||
pension_split: 50% employee / 50% Respellion
|
||||
pension_franchise_2026: EUR 19172.00
|
||||
pension_max_salary: EUR 137800.00
|
||||
partner_pension: 30% of salary (for life, risk basis)
|
||||
orphan_pension: 20% of salary until age 25
|
||||
ai_context: >
|
||||
This file holds both the at-a-glance benefits overview AND the detailed pension
|
||||
scheme. Several overview items are documented in depth elsewhere and are
|
||||
cross-linked rather than re-explained: vacation days (holiday-and-leave.md),
|
||||
the EUR 0.23/km travel allowance (spending-and-contracting.md), and the 40
|
||||
development hours / conferences (learning-personal-development.md). Pension is
|
||||
built only on the pension base (salary minus the franchise/threshold, up to the
|
||||
max salary), because AOW (state pension) covers the lower part. Unpaid leave
|
||||
affects pension accrual — see holiday-and-leave.md.
|
||||
---
|
||||
|
||||
# Pension Scheme & Benefits
|
||||
|
||||
This section gives an at-a-glance overview of secondary benefits and then details the pension scheme.
|
||||
|
||||
## Secondary Employment Benefits (Overview)
|
||||
|
||||
At Respellion, we believe in taking good care of our team. Below is a summary of the secondary benefits you are entitled to:
|
||||
|
||||
- **Vacation Days:** **25 vacation days** (200 hours) per year based on full-time employment. (Accrual, statutory/non-statutory split, and carry-over rules: [Holiday and Leave](holiday-and-leave.md).)
|
||||
- **Holiday Allowance:** a holiday allowance of **8%** of your gross annual salary, paid out monthly on a pro-rata basis.
|
||||
- **Travel Allowance:** **EUR 0.23 per kilometer** for commuting expenses. (Full travel/expense rules: [Spending and Contracting](spending-and-contracting.md).)
|
||||
- **Professional Development:** the opportunity to dedicate **40 hours** annually to training and conferences; additional time is possible in consultation. (Process: [Learning & Personal Development](learning-personal-development.md).)
|
||||
- **Flexible Public Holidays:** **flexible holidays** instead of the standard official Dutch public holidays, allowing you to choose the days that matter most to you. (Interchangeable Holiday Policy detail: [Holiday and Leave](holiday-and-leave.md).)
|
||||
- **Conferences:** you are encouraged to visit (international) conferences to stay inspired and up to date.
|
||||
- **Pension Scheme:** we invest in your future together. Respellion pays **50%** of the available premium, and you contribute the remaining **50%**. After joining, a meeting with our insurance advisor will be scheduled to explain the details of the scheme. (Full detail below.)
|
||||
- **Disability Insurance (WIA):** Respellion has taken out WIA insurance for all employees. This insurance limits the drop in income in the event of long-term disability (longer than 2 years). The costs for this insurance are fully covered by Respellion.
|
||||
- **Mobile Phone Allowance:** a monthly allowance of **EUR 35** for the use and potential purchase of a mobile phone.
|
||||
|
||||
## Your Pension (Detail)
|
||||
|
||||
At Respellion, we believe it is important to take good care of each other — not just today, but also with an eye toward the future. That is why we have established a pension scheme with **a.s.r. Doen Pensioen**, supported by advice from **Zuyderleven**.
|
||||
|
||||
### 1. The Basis: Defined Contribution Scheme
|
||||
|
||||
We use a Defined Contribution scheme (beschikbare premieregeling). This means that a fixed amount is invested every month for your future pension.
|
||||
|
||||
- **Pension Provider:** a.s.r. Doen Pensioen.
|
||||
- **Contribution (Premium):** 10% of your pensionable salary (pension base) is contributed.
|
||||
- **Employee Contribution:** based on our calculation models, we apply a split where you as the employee contribute 50% of this premium and Respellion contributes the remaining 50%.
|
||||
|
||||
### 2. How is the contribution calculated?
|
||||
|
||||
You do not build up a pension over your entire salary, because you will also receive AOW (state pension) from the government later in life. The portion of your salary over which you do build up a pension is called the pension base (pensioengrondslag).
|
||||
|
||||
- **Franchise (Threshold):** the part of your salary over which you do not build up a pension. For 2026, this is set at **EUR 19,172.00**.
|
||||
- **Maximum Salary:** pension is built up on salary up to a maximum of **EUR 137,800.00**.
|
||||
- **Calculation Example:** is your salary EUR 69,172? Then, with the 2026 franchise being EUR 19,172, your pension base will be EUR 50,000 (EUR 69,172 minus EUR 19,172), and your annual contribution (10%) will be EUR 5,000.
|
||||
|
||||
### 3. Investing via Life Cycles
|
||||
|
||||
Your pension funds are invested. Since your retirement date may still be far off, the risk is automatically reduced as you get older. We call this a Life Cycle.
|
||||
|
||||
- **Standard:** you usually start in a specific profile (e.g., Neutral), but you have the freedom to choose between different risk profiles: Defensive, Neutral, or Offensive.
|
||||
- **Phasing out:** as you get closer to your retirement date, investments are shifted to safer options to minimize volatility and protect your capital.
|
||||
|
||||
### 4. Provisions for Death and Illness
|
||||
|
||||
In addition to saving for later, insurance is built in for unforeseen situations.
|
||||
|
||||
- **Partner's Pension:** in the event of your death, your partner will receive a benefit of 30% of your salary (for life). Note: this is on a risk basis, meaning coverage lapses if you leave Respellion's employment.
|
||||
- **Orphan's Pension:** children receive 20% of your salary until they reach the age of 25.
|
||||
- **ANW Gap Insurance:** you can voluntarily (at your own expense) take out extra insurance to provide a temporary supplement for your partner after death.
|
||||
- **Disability:** in the event of disability (AO), your pension accrual continues (partially or fully) without you paying premiums (waiver of premium).
|
||||
|
||||
### 5. Flexibility and Insight
|
||||
|
||||
You have direct influence over your own pension:
|
||||
|
||||
- **Extra Savings:** if you want to build up more pension, you may voluntarily make additional contributions up to the fiscal maximum.
|
||||
- **Portal:** through the 'Doen Pensioen' dashboard, you have 24/7 insight into your current accrual, returns, and the ability to submit your preferences.
|
||||
|
||||
## Related Topics
|
||||
|
||||
- [Holiday and Leave](holiday-and-leave.md) — vacation day accrual and carry-over, the Interchangeable Holiday Policy, and how unpaid leave affects pension and allowances.
|
||||
- [Spending and Contracting](spending-and-contracting.md) — the EUR 0.23/km travel allowance and other expense rules.
|
||||
- [Learning & Personal Development](learning-personal-development.md) — the 40 hours of professional development / conferences.
|
||||
- [Day to Day](day-to-day.md) — travel-time compensation, distinct from the travel allowance.
|
||||
Reference in New Issue
Block a user