{"id":5916,"date":"2021-11-08T19:27:30","date_gmt":"2021-11-08T18:27:30","guid":{"rendered":"https:\/\/www.bbsabogados.com\/pension-plans\/"},"modified":"2021-11-08T19:27:31","modified_gmt":"2021-11-08T18:27:31","slug":"pension-plans","status":"publish","type":"page","link":"https:\/\/www.bbsabogados.com\/en\/pension-plans\/","title":{"rendered":"Pension plans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5916\" class=\"elementor elementor-5916 elementor-885\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45ad26ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45ad26ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-14e810e5\" data-id=\"14e810e5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-765c7ae6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"765c7ae6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4ffba8dd\" data-id=\"4ffba8dd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b099af8 elementor-widget elementor-widget-image\" data-id=\"5b099af8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"917\" height=\"297\" src=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/04\/bbs-abogados-especialistas.jpg\" class=\"attachment-full size-full wp-image-297\" alt=\"bbs-abogados-especialistas\" srcset=\"https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/04\/bbs-abogados-especialistas.jpg 917w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/04\/bbs-abogados-especialistas-300x97.jpg 300w, https:\/\/www.bbsabogados.com\/wp-content\/uploads\/2020\/04\/bbs-abogados-especialistas-768x249.jpg 768w\" sizes=\"(max-width: 917px) 100vw, 917px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a2d8f79 elementor-widget elementor-widget-breadcrumbs\" data-id=\"1a2d8f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.bbsabogados.com\/en\/\"><i class=\"fa fa-home\"><\/i><\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-669f14cc elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"669f14cc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5d417301\" data-id=\"5d417301\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17e51be3 elementor-widget elementor-widget-heading\" data-id=\"17e51be3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\"Created in 1988 BBS Abogados Asociados Asesores Legales y Tributarios specializes in all the fields that make up the law of the company.\"<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-501608af elementor-widget elementor-widget-wp-widget-fetch_tweets_widget_by_id\" data-id=\"501608af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-fetch_tweets_widget_by_id.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<strong>Fetch Tweets<\/strong>: Could not authenticate you. Code: 32\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-686c06d9\" data-id=\"686c06d9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5f3118 elementor-widget elementor-widget-heading\" data-id=\"d5f3118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pension plan <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2f2607 elementor-widget elementor-widget-heading\" data-id=\"1b2f2607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Barcelona lawyers who are experts in pension plans, we help you rescue your pension plan. Obligation of transparency of the entities in the plans.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c56d57 elementor-widget elementor-widget-heading\" data-id=\"3c56d57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is a pension plan?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5747a3bd elementor-widget elementor-widget-text-editor\" data-id=\"5747a3bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>A pension plan is a form of savings that individuals can take advantage of, consisting of periodic contributions, which will make said individuals have a capital or income in the future in the event of retirement, unemployment, disability or death.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-646eb1ab elementor-widget elementor-widget-heading\" data-id=\"646eb1ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">In what ways can I redeem a pension plan?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef6a8ae elementor-widget elementor-widget-text-editor\" data-id=\"ef6a8ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>In the form of capital: The beneficiary receives the total amount of the plan in a single payment.<\/li>\n<li>In the form of periodic income, which can be of different types, such as temporary or life-long.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06fa24b elementor-widget elementor-widget-heading\" data-id=\"06fa24b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Entities' duty of transparency in pension plans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5808ba2 elementor-widget elementor-widget-text-editor\" data-id=\"5808ba2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In a recent ruling, the Supreme Court has established jurisprudence on transparency in pension plans.<\/p>\n<p>According to the High Court, the entities must inform consumers with absolute transparency about the rights of the participants and the different methods of collection of benefits, whether it is the perception of capital in a single payment, guaranteed income or financial income whose amount or duration does not are guaranteed.<\/p>\n<p>Obviously, each payment method has its advantages and risks, so the choice of how to collect will depend on the specific needs of the beneficiary. For this, it is necessary for the owner to have knowledge of the risks associated with each modality.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48909a9 elementor-widget elementor-widget-heading\" data-id=\"48909a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">I was not informed that the plan was terminated in the event of the owner's death.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a67a749 elementor-widget elementor-widget-text-editor\" data-id=\"a67a749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Practical example: STS 40\/2019<\/p>\n<p>A father of a family, at the time of retirement (2003), chooses to collect the pension plan in the form of periodic and fixed income for a period of 15 years, designating his wife as the beneficiary in the event of death. However, in 2008 the owner&#8217;s wife died, and in 2010 the same owner died.<\/p>\n<p>Consequently, the daughters request that the payment of the rents be maintained for their benefit until the end of the 15-year term, that is, until 2018, as the owner had decided. However, the entity refuses, because according to it the benefit was extinguished with the death of the owner and his wife.<\/p>\n<p>In this way, daughters go to court:<\/p>\n<p>In the first instance they agree<br \/>\nThe Provincial Court revokes the sentence, and declares that they have no right to collect the claim.<br \/>\nThe Supreme Court rectifies the resolution of the hearing, and agrees that the daughters must collect the benefit.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad30f9 elementor-widget elementor-widget-heading\" data-id=\"2ad30f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are the arguments of the Supreme?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1612ad6 elementor-widget elementor-widget-text-editor\" data-id=\"1612ad6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In summary, the two High Court reasons are two:<\/p>\n<ol>\n<li>For justice, because if, for example, the owner agrees to collect the plan in the form of a periodic benefit and dies the next day, there would be an unfair enrichment by the entity.<\/li>\n<li>Due to lack of transparency and information on the part of the entity. In particular, the entity failed to demonstrate that it provided the owner with the proper information regarding the consequences of the death prior to the agreed term. In other words, it did not inform you if said death would mean the loss of the outstanding amounts. Likewise, the court emphasizes that the aforementioned information must be provided in writing and in a clear and understandable way.<\/li>\n<\/ol>\n<p>In short, in this case, if the owner of the plan had been correctly informed about the consequences of a death before the agreed deadline, he or she might have opted for the other method of payment (one-time payment). For this reason, the court guarantees the right of collection of the daughters.<\/p>\n<p><a href=\"http:\/\/www.poderjudicial.es\/search\/AN\/openCDocument\/759571a449b069c26d6a89c0f14fb3b8179e3f439af7b2cc\" target=\"_blank\" rel=\"noopener\">Link to STS 40\/2019 of January 22.<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bab56d2 elementor-widget elementor-widget-heading\" data-id=\"bab56d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Expert lawyers in pension plans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1208b3 elementor-widget elementor-widget-text-editor\" data-id=\"a1208b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>From <a href=\"http:\/\/www.bbsabogados.com\">BBS Abogados<\/a>, <strong>we advise and accompany you<\/strong>, so that you have the security and tranquility of being in the best possible hands. Do not hesitate to contact us by filling in the following form, by writing to <a href=\"mailto:bbsabogados@bbsabogados.com\">bbsabogados@bbsabogados.com<\/a> or by calling 93 760 53 77 | 619 255 875 or<br \/>\n<a href=\"https:\/\/wa.me\/34619255875\">WhatsApp<\/a>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3d4b2e elementor-widget elementor-widget-heading\" data-id=\"d3d4b2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">news<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#8220;Created in 1988 BBS Abogados Asociados Asesores Legales y Tributarios specializes in all the fields that make up the law of the company.&#8221; Pension plan Barcelona lawyers who are experts in pension plans, we help you rescue your pension plan. Obligation of transparency of the entities in the plans. What is a pension plan? A [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2329,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-5916","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pension plans - Despacho BBS Abogados<\/title>\n<meta name=\"description\" content=\"Barcelona lawyers who are experts in pension plans. We help you rescue your pension plan. 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