DBplus

DBplus is the social and pension system of Deutsche Bahn and most of its subsidiaries that fall under the respective pension plan, including additional benefits such as discounts, insurance coverage, the Job-Ticket, and voluntary supplemental company pension plans. The DEVK Pension Fund serves as the collectively bargained retirement savings component for DBplus members. It supplements your existing statutory or private retirement coverage. This way, you can look forward to retirement with even greater peace of mind. A bright outlook for the future, wouldn’t you say? Especially in times of poverty in old age, this is a nice extra income that employees of Deutsche Bahn and its affiliated companies are very grateful for.

You need to keep in mind that DBplus is not a private-sector product, but rather part of Deutsche Bahn’s collective-bargaining-agreement-based retirement plan. The contributions you make go into a pension fund, which is subject to oversight by the Federal Financial Supervisory Authority (BaFin). We know that this is precisely what ensures a particularly high level of security.

Yes, you can do that without any problems—whether you want to increase or decrease your contributions. Because we know full well that life doesn’t always follow a straight path. Sometimes you can afford to make higher contributions—for example, if you got a raise or perhaps inherited something unexpected. And then there are times when you have less money—like during parental leave or if you’re sick. Important to know: This refers to your own contribution to retirement savings under the DBplus plan—which can be adjusted flexibly. The employer’s contribution is set by collective bargaining agreement. Just get in touch with us. We'll find the perfect solution for your specific needs. That's for sure.

This is generally possible when you begin receiving your regular retirement benefits. However, we’d be happy to discuss the details with you in person. Sometimes, it’s also possible to withdraw a portion of your retirement savings earlier. We know that life can be unpredictable and that sometimes you need financial assistance outside of the usual schedule. Let’s talk about this in person. We’re sure we can find a solution that works for you.

That isn't necessarily a problem. We'd be happy to go over your options with you in person if you decide to make a change. If you switch roles within Deutsche Bahn, everything will stay the same anyway. But if you decide to work for a completely different employer, we'll find solutions that make you feel secure and comfortable.

Of course, we hope it never happens. But if you were to pass away before reaching retirement age, your spouse would be covered by the appropriate benefits. Fortunately, this is something you don’t have to worry about.

Contributions are generally made from your gross income and are tax-advantaged. We’d be happy to discuss your personal payment plan or the options available to you in person.

You don’t have to keep track of what you’ve contributed and when. That’s because once a year, you’ll receive a personalized statement. In it, you can clearly see what you’ve contributed so far. It also lists your accrued benefits to date. And what else is included? In your personal statement, we also inform you about your projected future benefits. So you always have everything at a glance.

First of all, we’d like to tell you: It is generally possible to opt out. However, this should always be a well-considered decision. Why? Because it will permanently reduce your future pension benefits. In certain situations, such as parental leave or caregiving leave, you can pause your contribution payments. The good news is that the benefits you’ve accrued up to that point won’t be lost.