DURF financial fitness for employees
Employers
You are committed to being a good employer. And a pension is one of the benefits that entails. Perhaps this is set out in the collective labour agreement, or maybe you choose a collective insurance policy or allow your employees to make their own arrangements for retirement. In every case, it is important that they understand their financial situation and know their options. Because when you know what you’re doing, you DARE to make bolder choices.
DURF has developed the Employee Benefits model based on the well-known ELC model for HR professionals. This model offers insight into which phase of their career an employee is in. Are they just starting out or nearing retirement? Every phase is equally important when it comes to engaging and retaining good people.

DURF Employee Benefits Model
- Financial consequences of a career switch
- Consequences of senior staff scheme
- Consequences when employment ends / VSO
- Consequences of relaxed early retirement scheme (RVU)
- Support for those who want to retire early
- Financial consequences of a social plan during reorganisation
- Financial consequences of reducing work hours
- Options when starting retirement

- Individual retirement planning as an employee benefit
- Information and advice on pension schemes
- Transferring pension balance from previous employer
- Advice on income risks (death & disability)
- Supporting employees in case of life events
- Monitoring individual pension
- Advice for expats
- Advice for employees whose wages exceed the pensionable salary

Attractive employership
- Individual retirement planning as an employee benefit
- Information and advice on pension schemes
Employed
- Transferring pension balance from previous employer
Advice on income risks (death & disability)
Development and forging connections
- Supporting employees in case of life events
- Monitoring individual pension
- Advice for expats
- Advice for employees whose wages exceed the pensionable salary
Transition
- Financial consequences of a career switch
- Consequences of senior staff scheme
- Consequences when employment ends / VSS
- Consequences of relaxed early retirement scheme (RVU)
- Support for those who want to retire early
- Financial consequences of a social plan during reorganisation
- Financial consequences of reducing work hours
- Options when starting retirement
DURF can play an important role as an independent adviser in any phase of an employee’s career. DURF supports both the employer and HR, points out alternate scenarios, takes a preventative approach and promotes financial fitness among employees, which is a win-win for employees and employers alike.