As an employer you can arrange a group pension for your employees. You can create the group pension yourself by choosing the options that suit your company and employees best. ENNIA offers modern, affordable pension solutions for all businesses: small, medium or large.

The benefits of ENNIA's Group Pension

• Options to create a group pension plan entirely according to your wishes.
• Clear information is communicated to employees to increase their commitment to and appreciation of the group pension plan.
• A transparent and competitive pricing structure.
• Fast and efficient processing of administrative changes. Accessible overviews that are always up-to-date.
• Attractive profit sharing terms.
• Committed and enthusiastic ENNIA staff: well trained, loyal, and attentive.

Traditional pension
With traditional pension insurance, such as a final wage pension plan or a career average wage plan, employees' pensions are defined in advance. Salary, accrual percentage, and the number of years employed determine the pension amount.
However, the pension expenses are variable and thus more difficult to manage and less predictable.

ENNIA's Effect Pension
ENNIA's Effect Pension is a modern pension plan based on defined contributions. Pension is accrued based on a percentage of the employee’s wages. As an employer, this means you can effectively manage the costs of your group pension plan, now and in the future. Because of the direct relationship between the employee’s salary and the premium to be paid, you always know exactly where you stand and you will never be faced with unpleasant surprises.
ENNIA's Effect Pension is clear and transparent. At any time you can very easily calculate the effect of a salary adjustment on the employee’s pension premium. Not only is ENNIA's Effect Pension system clear, but processing administrative changes is fast and accurate. You can always access up-to-date information on the pension plan. Every year you receive an update on the participants showing the accrued pension capital per employee, as well as the amounts for the surviving dependants pension and for the disability pension, per employee.
Your personnel have a say in their company pension plan.
Thanks to the flexibility of ENNIA's Effect Pension, the effect of any adjustment to the plan is immediately apparent in the participant’s pension structure. Whether it’s an increased premium, a lower insured sum, or an earlier retirement, an employee can immediately see the effect of any change on their pension plan.

Tax matters at a glance
Government tax tax authorities encourage employers to offer a group pension. The costs associated with providing the pension are tax deductible. In other words, a group pension premium provides real tax benefits.

Extra benefits from profit sharing
ENNIA’s Group Pension insurance is made even more attractive by the various ways in which ENNIA is able to apply profit sharing. The earings or volume discounts and the excess interest profit sharing are key to the pension. You and your employees share these extra profits. ENNIA’s past success with this form of investing in pension insurance is the basis of our strength and expertise in this area.

Your pension is in good hands
ENNIA’s solvency is well above the minimum requirements set by the local regulators: the Central Bank of Curacao and St. Maarten and the Central Bank of Aruba. ENNIA voluntarily applies a higher standard, because we want to be sure that your pension is safe. With ENNIA, you know your pension is always in good hands.

Healthy employees are productive. A sick employee not only costs money, but also rerquires extra attention. ENNIA's group healthcare insurance take into consideration your organization's situation. Preventive healthcare, generous medical coverage, expert assistance when necessary, and prompt payment of medical claims. ENNIA's group healthcare insurance looks after you. 

Benefits for the employer

• ENNIA is a large, powerful player in the market, committed to the interests of you and your employees and provides continuity in every respect.
• Attractive insurance packages for employees with many individual product options.
• Tailor-made solutions to fit your organization.
• Your own dedicated contact person and team at ENNIA's administrative office ensures optimal, personal service.
• ENNIA does as much work for you as possible. All you have to do is collect and remit the premiums via your own payroll administration.
• Efficient information ensures that you are well informed and stay informed about ENNIA and our services.

Benefits for your employee 

• An insurance package with extensive and dependable coverage.
• Numerous individual choices to create your own personal product.
• Additional coverage, especially for the most common costs such as dental treatments, physiotherapy and alternative medicine.
• Attractive premiums that vary as little as possible to avoid confronting employees with significant changes to their premium.
• Advanced payment of medical bills is kept to a minimum as ENNIA strives as much as possible to pay invoices immediately.