Active members and their employers pay contributions based on the insured salary to fund retirement, disability and death benefits. The savings contributions vary, depending on the pension plan type (standard/management) and age. You can also make additional, voluntary savings contributions to top up your retirement assets. Depending on your plan type (standard/management), you can choose from a number of percentage options for your voluntary savings contributions.
My pension plan at PUBLICA
The ENSI pension plan
Whether you are an active or former employee, this page offers a wealth of useful information about your pension plan: the name of your contact, the members of your parity commission, your interest rates, savings contributions and plan type (standard/management), as well the pension plan’s key figures and legal basis.
Performance in past years
Contributions for pension plan types
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 34 | 6.35% | 7.05% | 13.40% |
| 35 - 44 | 8.10% | 9.05% | 17.15% |
| 45 - 54 | 11.35% | 14.75% | 26.10% |
| 55 - 65 | 14.90% | 18.70% | 33.60% |
| 66 - 70 | 6.35% | 6.40% | 12.75% |
Voluntary savings contribution:
You can choose a monthly voluntary savings contribution of between three or six percent. Contact your human resources department.
Risk premium:
PUBLICA levies a risk premium of 2% of the insured salary to insure the risks of death and disability. The employer pays this in full.
Interest rates and key figures
From 1 January 2024, the OPA minimum interest rate is 1.25%.
Your pension plan’s parity commission has set the following interest rates for retirement assets and for vested benefits paid out during the year as follows:
- Interest rate on retirement assets in 2023: 1%
| Interest rates | 2024 |
|---|---|
| Interest on termination benefits and purchases brought in | 1.25% |
| Business transactions during the year | 1.25% |
| Interest on arrears for subsequent payment of benefits | 2.25% |
| Interest on reimbursement | 1.25% |
| Default interest on reimbursement | 2.25% |
| employment relationship prior to the 1 January after the 21st birthday | 1.25% |
| Interest on termination benefit | 1.25% |
| Default interest on termination benefits | 2.25% |
| Interest on arrears for subsequent payment of termination benefits | 2.25% |
| Interest on reimbursement of vested benefits | 1.25% |
Legal basis
Parity commission
The following people were appointed to the ENSI parity commission for the term of office from 1 April 2024 to 31 March 2028: