BCR Card Sales

Voluntary Plan of Collective Pension

BCR Pensions is approved by Supervision of Pensiones (SUPEN), for the commercialization of voluntary plans of collective pensions in dollars and Colones.

These plans are designed with the aim of promoting culture of savings with prevision aims, so that both employers and their employees can contribute with a better quality of life, when retirement moment of the workers arrives.

In addition, they are an excellent opportunity for companies to continue with their incentives plan to the employees at a lower cost than other instruments, since the Law of Protection for Workers (Law 7983) allows income tax exonerations and the indirect labor cost.

These collective agreements have been incorporated by several companies, as part of Programs of Social Responsibility, with tangible benefits for personnel, thinking about their medium and long term well-being.

Región de Tabs

How do they work?

What benefits do they have?

It consists in the signature of a ”main” contract or agreement between Company and BCR Pensions, in which particular conditions settle down the administration of resources that will serve as complement for an additional pension to that of the Basic Regime the workers will receive.

In this kind of contract the possibility that the worker as much as the employer make monthly contributions for the individual account of pension of the worker are settled down, established as a percentage of the salary or agreement due.

These agreements, allows in accordance with the Law 7983, that the contributions carry out, are considered as deductible expenses for the calculation base of the income tax and several types of indirect labor costs, with a top of 10.00% of the salary.

For such reason, workers and employers besides contributing with the complementary pensions, obtain a bigger liquidity as a result of the exonerations. We see an example:

For the worker:

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For the company:

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For agreement execution purposes, our consultants, qualified by SUPEN, visit companies to provide details on formalization and product benefits and advantages whose only requirement is not other than assigning part of its worker incentive budget to worker pension plan savings reducing the investment net cost on its staff.

Make such a decision and permit us provide consultancy services and become one of the companies which already enjoys current benefits.

Access Pre-Enrollment Form

For further information, contact us at 2287-9075, with our Executive Karla Azofeifa, extension 2382 or at 8853-1712 and we will certainly visit you.

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Voluntary Plan of Collective Pension

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For the company:

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