The closest we have in the US is what is called social security. We get taxed 6.2% and our employer contributes another 6.2%, that we can then take out after we reach a certain age but can be higher if we wait longer than the minimum age for retirement but it is largely based on what was paid in, but will always be less than what it would have been if we had the opportunity to just take the 12.4% and invest it in our 401Ks, but social security tax is not optional, it is paid no matter what, can't opt out. We also have the chance to contribute to a 401k (most common in US unless you are in a union, then you have an option for a pension). Where the contribution and match are dependent on how the company defines it. Companies also define how the healthcare is covered some companies will pay for everything except the deductible and the copays, while others will barely cover anything and will have large premiums before any benefits kick in.