If you lease a benefit bike through your employer with a gross salary deduction, it may affect your pension and SGI.
Pension
- Your future national pension may decrease slightly because the gross salary deduction lowers your pension-qualifying income (PGI).
- The extent of the impact depends on your current salary level and pension plan.
- Some employers adjust the occupational pension to compensate for the deduction.
Sickness Benefit Qualifying Income
- If your salary after the gross salary deduction is still above the ceiling for sickness benefit qualifying income (SGI), your sickness or parental benefits will not be affected.
- If your salary falls below the SGI ceiling, your future benefits may decrease slightly.
If you are curious about whether this affects you, we recommend that you contact your employer or pension advisor.