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Disability and life insurance

Disability and death-risk insurances are available through Stichting Robeco PPI in collaboration with the insurance company Generali. Smart Pension offers supplementary coverage as detailed below.

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Death in employment
Smart Pension aims to accrue retirement capital. However, if an employee dies far in advance of his/her retirement date, insufficient capital will have accumulated to adequately finance a partner pension. As an employer, you have the option of obtaining collective insurance to cover this risk. When an employee dies, a benefit based on that employee’s last-earned salary is available for their partner and any children.

Exemption from premium payment in the case of disability
A company can also choose to conclude a collective disability insurance. If an employment contract terminates because a participant is fully or partly disabled, Generali will take on the premium payments with which a pension capital is accrued.
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