What is the ruling on the supplementary pension?

The supplementary pension has three scenarios:

1. If the contract is with a private insurance company: It is stipulated that it must be cooperative insurance where the surplus is invested for the benefit of the insured, and the company should only take what is specified in a legitimate contract, such as Mudarabah. Commercial insurance is forbidden. 2. If the contract is with the state or the employer, and the money is invested in usurious banks or forbidden matters (such as usurious bonds): It is not permissible to subscribe to it if it is optional. 3. If what is deducted from the salary is invested in a permissible manner, or is not invested but rather saved for the employee to be disbursed upon retirement or to their heirs after death: There is no harm in subscribing to it.