Originally, the time value account model was introduced to compensate for overtime or to cushion employment peaks.

Companies with a range of time value accounts are thus very innovative and flexible: time value account balances can be used for temporary part-time work, sabbaticals, caring for family members, early retirement or partial retirement.

The principle: the credit balance is built up by overtime or the waiver of leave and / or salary or bonus conversion.

The advantage: the employer saves social security contributions – and the employee does not have to pay tax and contribute contributions. Also good: time value credits can be transferred at change of employer and be completely inherited in case of death.

Originally, the time value account model was introduced to compensate for overtime or to cushion employment peaks.

Companies with a range of time value accounts are thus very innovative and flexible: time value account balances can be used for temporary part-time work, sabbaticals, caring for family members, early retirement or partial retirement.

The principle: the credit balance is built up by overtime or the waiver of leave and / or salary or bonus conversion.

The advantage: the employer saves social security contributions – and the employee does not have to pay tax and contribute contributions. Also good: time value credits can be transferred at change of employer and be completely inherited in case of death.

Complex tasks?
We are here.

The management of time value accounts is complicated due to the social security provisions and difficult to manage without outside help by the company.

The same applies to the selection of providers of money and investment accounts as well as to the obligation to provide insolvency. We are happy to help.

THE HABEKO COOPERATES IN THIS FIELD WITH EXPERIENCED AND PROFESSIONALLY SATISFIED PARTNERS. WE’LL LIKE TO GIVE YOU AN INITIAL TALK.