What if...

Prepared for everything

In our professional and private lives, there are always changes – sometimes planned, sometimes unplanned. This can also have an impact on your company pension plan.


Parental leave

When you go on parental leave, JTI’s contributions are suspended. Employee contributions are also not possible during this time. Planning ahead of time will help you balance such breaks. Think about whether you can increase your contributions before or after parental leave. This will help you reduce pension gaps later on.


The amount of pension plan contributions you receive from us depends on your gross salary. If your working hours change, your salary also changes – the amount of the annual contribution adjusts accordingly. The collectively agreed supplement is also paid on a pro rata basis. Otherwise, however, your pension plan will continue as normal even if you work part-time. In addition, you can make voluntary contributions from your gross pay.


In the event of divorce, pension entitlements under a company pension plan are also considered. The so-called pension equalization is regulated by law. The spouse is generally entitled to half of the employee’s pension entitlements acquired during the joint marriage. In the event of a divorce, the employer is obliged to provide information on the employee’s pension entitlement and to submit the relevant calculations upon request by the court.



Once you retire, you are entitled to receive the payout of your retirement accounts. You must submit an informal request for payment to People & Culture.

fall ill

If you become ill, you will continue to receive your regular salary for up to six weeks. After that, your health insurance will pay you sick pay, and you will receive a supplement to sick pay from JTI.

From this point on, you will no longer receive a regular gross salary – therefore, no contributions will be made to your pension plan. When you return to work, contributions will continue to be paid as normal.

die before retirement

If you die before retirement, your surviving dependents will receive the supplementary risk benefit and the credit balance in the accounts. The group of dependents is defined by law. They include spouse, registered partner, and children entitled to child benefits. For the supplementary account, your life companion with whom you live can also be a beneficiary if you notify JTI in writing.

die after retirement

If you have opted for an annuity, your surviving dependents (spouse, registered partner, or children entitled to child benefits) will receive a death benefit worth 60% of the remaining pension entitlement. This can be paid out as a lump sum, in installments or as an annuity. In contrast, lump sum payments and installments can be bequeathed freely.

become disabled

In the event of occupational disability (more precisely: if your employment relationship ends due to reduced earning capacity and from then on you receive an unlimited statutory pension for reduced earning capacity), you receive a supplementary risk benefit from the integrated risk coverage. In addition, you will receive the credit balance on your pension accounts.

In the event of a temporary reduction in earning capacity, you are still entitled to the supplementary risk benefit. Your pension account is continued as a non-contributory old-age provision and is not paid out until retirement.

Good to know

Change of employer

If you leave us before the start of your pension, your supplementary account remains fully intact. Basic and plus accounts are also retained, provided you have worked for us for at least 3 years until you leave. Your accounts will continue on a non-contributory basis and will be paid out later in regular fashion.


Your retirement benefits are safe – even in the unlikely event that JTI goes bankrupt.

In the event of insolvency, the Pension Insurance Association (PSV) takes the place of the employer. It takes over the administration of your retirement funds and the payment of benefits. Protected are vested capital amounts up to € 1.222.200 and vested pensions up to an amount of € 122.220 per year (as of 2023).