A voluntary purchase is possible if there is a pension gap.
A pension gap exists if the current pension assets are smaller than the theoretically maximum possible retirement savings that would have been reached if the current savings contributions had always been paid in since the beginning of the pension plan, usually since the age of 25.
Accordingly, pension gaps can arise in the following situations:
- You have not worked temporarily.
- You change employers.
- You have received a salary increase.
- Your employer improves the pension provision.
- You have divorced.