![]() ![]() For example, you can use Formstack to create a contact form that lets a prospect choose what type of service they are interested in. In addition to the ability to build powerful forms using conditional logic, the greatest strength of Formstack (and probably most overlooked) is how a small business can use the response features to automate tasks they are currently wasting time doing manually. We have used it for several years and can't imagine being without it - it is critical to an efficient work flow for a small business, and a lot less expensive than paying an admin to do the same tasks. ![]() ![]() It is a great value for the money, and is relatively easy to use. If this protection is not enough for you, then you should consider taking out a private pension for occupational invalidity.Kommentare: Formstack allows us to automate tasks that we used to do manually, like sending information to prospective clients, gathering detailed information from current clients, sending a series of steps in a project, etc. There is no reference to activities outside the profession. There is no protection against occupational invalidity for the most recent role or position held as a pharmacist, meaning that the protection is intended to apply when any professional activity within the entire spectrum of activities of pharmacists is made impossible on medical and/or invalidity grounds. However, the requirements for admission to the occupational invalidity pension are met only if the pharmaceutical profession can no longer be practised completely. Upon application, financial assistance for medical rehabilitation measures can be granted if curative treatment or follow-up treatment following major surgery is urgently required to prevent occupational invalidity.Ī key benefit of the Pharmacists' Pension Fund of Berlin versus the statutory retirement pension plan is, amongst other things, that you gain protection against occupational invalidity after only one single contribution payment. Contribution periods previously completed with a different professional pension insurance carrier in Germany will also be taken into account. Pension for occupational invalidity is granted upon the occurrence of a qualifying event, provided that at least 1 contribution had been made before that point in time. Higher payments are also recommended for tax benefit reasons (pension contributions can be deducted as special expenses). To increase your pension entitlements, you can, if you wish, pay more than the 1.0-fold general pension contribution, for example, 1.1-, 1.3-, 1.5-, or 1.8-fold of the general pension contribution. ![]() If you are granted a partial waiver of contributions, your pension contribution will amount to 18.6% of all revenues of the respective year from your activity in the pharmaceutical field (for the purposes of the income tax law). Upon application and proof of income, a partial waiver of contributions may be granted. In principle, the highest compulsory contribution (= 1.0-fold of the general pension contribution) has to be paid, corresponding to the maximum contribution of the statutory retirement pension. Self-employed pharmacists are also obliged to pay pension contributions. To avoid this double burden, we recommend that you apply without delay for exemption from the statutory retirement pension plan via the Pharmacists' Pension Fund of Berlin. The employer is legally obliged to pay half of the contribution amount to the pension scheme.Įmployed pharmacists who are not exempted from the statutory retirement pension plan have to pay – in addition to the statutory retirement pension contributions – pension contributions to the Pharmacists' Pension Fund of Berlin to the amount of 2/10 of the maximum contribution rate of the statutory retirement pension. Employed pharmacists who are exempted from the statutory retirement pension plan due to participation in the Pharmacists' Pension Fund of Berlin pay pension contributions in the amount of the statutory retirement pension contributions. ![]()
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