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What do you think about flexible and sustainable personnel management?

Working life account Time management Competitiveness Sabbatical Further training Early retirement

Effective time management in personnel management strengthens the competitiveness of your company and increases the motivation of your employees. We DVM support you with the time-value account in this, take care of the complete administration and handle investment and security for you.

The idea is quite simple: your employee collects overtime, undrawn vacation days, special payments, or bonuses, converted into wages, and deposits them tax- and social-security-free into a time value account.

This value credit can be accessed by the employee himself for exemptions, further training measures, a sabbatical, or early retirement with full pay, and this makes his life planning more flexible.

Your company will also save considerable personnel costs through this working time account pension.

However, the crucial factor is your company´s image: time value accounts make you, as an employer attractive, especially for young professional people who appreciate a good work-life balance.

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Use time value accounts to control and optimize your personnel management!

We manage your time value accounts – secure, interest-bearing and all from a single source.

The advantages of time value accounts

What do you have for advantages as an employer?

  • A positive image as an innovative and attractive employer.
  • Reduced personnel costs through dissolved time value accounts in early retirement regulations.
  • Taxes and social contributions not before payment due to revised state pension age.
  • No additional administrative burden, as all benefits are provided in a simplified manner.
  • A reliable service from one of our experienced provider of company pension plans.

What do you have for advantages as an employee?

  • Flexible working hours for individual life planning.
  • Full remuneration in the exemption phase.
  • Tax- and social-security-free payments, payable only upon withdrawal.
  • The credit account is inheritable and can also be transferred in case of changes in employment.
  • Safe and secure investment.

More products

Gruppen-Unfall- Versicherung
Is it important to you to secure your employees?

Group accident insurance

Betriebliche Zusatzleistungen
How can you switch your tax-free benefits for your employees into a win-win situation?

Supplementary benefits

Betriebliche Altersversorgung (bAV)
What is important to you when you think about your pension provision?

Workplace pension (bAV)

Betriebliche Krankenversicherung (bKV)
Is it important to take care of your health?

Occupational health insurance (bKV)

Betriebliche Berufsunfähigkeitsrente (bBU)
What are the risks of becoming your employee unable to work?

Occupational disability insurance (bBU)

Keyperson Absicherung
How well are your employees in key positions insured?

Keyperson insurance

What do you think about flexible and sustainable personnel management?


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