For businesses - Modra zavarovalnica, d.d.

A New Legal Requirement for Companies with 10 or More Employees

As of 1 January 2026, new legislation introduces an obligation for employers. Companies with 10 or more employees that do not yet have collective supplementary pension insurance must complete a collective bargaining procedure on the inclusion of employees by 1 January 2028 and report the completed procedure to the Labour Inspectorate of the Republic of Slovenia. The obligation applies to carrying out the procedure and does not mean that insurance is concluded automatically.

At Modra zavarovalnica, we guide you through the entire procedure free of charge, ensure it is carried out correctly and in line with legislation.
Contact us for more information.

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Employer Benefits

Tax relief

The premium paid reduces the employer’s corporate income tax. Social security contributions are not levied on the premiums paid.

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Care for employees

Provide a pension annuity to employees that does not rely on the State pension system, but rather directly on your paid-in premiums.

No extra work

Modra is here to advise you, help you conclude and sign contracts and inform employees.

Modra’s consultations

One of our consultants will be with you from the very beginning, offering advice on the best ways to prepare employees for the future.

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Employee Benefits

A monthly bonus on top of the salary

In addition to their salary, employees receive a monthly remittance of the paid-in premium to the Modra savings account. Only half of the annuity amount is taxed. Payments into the pension fund are not subject to taxation.

Tax relief

Employees can also save for themselves in collective supplementary pension insurance scheme under the same favourable conditions. If the employer has not made use of the entire tax relief, the employees are entitled to apply the remaining tax break, which reduces their income tax payment.

Secure savings

Modra manages more than EUR 2.8 billion in assets and ranks among the personal insurance companies with the strongest capital position. Your employees’ savings are therefore safe and secure.

Regular income after retirement

The payout of savings starts after retirement. From then on, employees receive a regular income for the rest of their lives and can spend it on the things that mean the most to them.

Mojca’s advice:

"By joining the collective insurance scheme, you can save EUR 353 per employee annually! At the same time, you will also attract the best talent and boost employee satisfaction!"

Mojca Trkman, Modra zavarovalnica

Our clients

The reason for joining collective supplementary pension insurance varies between companies, but they all share the desire for employee well-being and benefits for the company.

In view of the identified long-term imbalances in the pension system, consideration and encouragement of saving for one’s old age is more than justified. At Krka, for example, we have decided to pay the highest possible amount into the supplementary pension insurance scheme for all employees based on their income and legal options.

We value our employees and want to enable them to have a beautiful and well-provided old age. That is why we decided on joining the collective supplementary pension insurance. Another important aspect for us is the tax relief that we got with this insurance.

We have a strong sense of awareness about the importance of the supplementary pension for future retirees, which is why we have been providing our employees with collective supplementary pension insurance since 2002.