Bayerische Versorgungskammer (BVK)

The Bavarian Chamber for Social Benefits and Pensions is Germany’s largest public-sector group, offering care provision and pension funds. The area of business is Bavaria. However, in the case of some utilities it also extends to other federal states on the basis of state treaties and to the whole of Germany in the case of three federal institutions. Bayerische Versorgungskammer manages the business affairs of twelve pension schemes in total. These facilities are maintained by occupational associations and by communities, which use them to provide their insurees with benefits. These cover the financial needs of the elderly, surviving dependents and those unable to work.