{"id":8769,"date":"2019-01-13T17:24:02","date_gmt":"2019-01-13T16:24:02","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/compulsory\/"},"modified":"2024-09-17T08:35:51","modified_gmt":"2024-09-17T06:35:51","slug":"compulsory","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/compulsory\/","title":{"rendered":"Compulsory"},"content":{"rendered":"Lesedauer<\/span> 2<\/span> Minuten<\/span><\/span>\n

The mandatory benefits are minimum benefits that you receive from the 2nd pillar.<\/p>\n\n\n\n

The Federal Law on Occupational Retirement, Survivors’ and Disability Pension Plans (BVG) has been in force since 1985.\nThe BVG is intended to supplement AHV benefits so that you can continue your accustomed standard of living in an appropriate manner.\nThe BVG distinguishes between compulsory and voluntary insured persons on the one hand, and employees and self-employed persons on the other.\nThe BVG is primarily aimed at employees, but since 1997 it has also included the unemployed.\nIt describes the cases in which they must take out compulsory insurance, i.e. pay compulsory contributions.\nAnd what they receive in return – the compulsory scheme. <\/p>\n\n

Wann muss ich BVG-Beitr\u00e4ge leisten?<\/h2><\/div>\n\n

This is the case if the following three conditions are met.\nFirstly, you have an employment contract and are insured with the AHV\/IV.\nSecondly, you are between the ages of 18 and have not yet reached the normal retirement age (64 \/ 65 for women \/ men, as of 2020).\nThirdly, your annual salary is above the so-called entry threshold.\nIn this case, your employer must pay contributions from your salary to the pension fund.\nThe amount of the entry threshold and BVG insurance limit depend<\/a> on the AHV maximum pension.\nThe AHV maximum pension and the limits derived from it are reviewed every two years.\nFor your BVG contributions, you receive the so-called mandatory amount. <\/p>\n\n

Obligatorium als Gegenleistung f\u00fcr die BVG-Beitr\u00e4ge<\/h2><\/div>\n\n

The compulsory scheme provides minimum benefits for retirement pensions, death and disability.\nSelf-employed persons can take out voluntary occupational pension insurance.\nTo do so, they join a corresponding pension fund or the Substitute Occupational Benefit Institution and pay contributions to it. <\/p>\n\n

If you would like to find out more, you can find out more from the Federal Social Insurance Office<\/a>or read the article on“Vorsorgesprache<\/a>“.<\/a><\/p>\n\n