iconPermanent employees

Insure your permanent employees on top-class terms and conditions with the swissstaffing pension fund “Fondation 2ème pilier swissstaffing”. Contribution rates are used to determine benefits. Use our wide range of customized supplementary plans. The following options are available to you:

Adjustment of the coordination deduction

VariantCoordination deduction% Coordination deduction
1 25’095 100%
2 18’821 75%
3 12’548 50%
4 0 0%

Adjustment of the savings element

As an affiliated company, you can choose a plan for your permanent employees with higher retirement benefits than the standard plan.

RetirementStandard planVariant + 1 %Variant + 2 %Variant + 4 %
Age 17 to 24: 0 % 0 % 0 % 0 %
Age 25 to 34: 7 % 8 % 9 % 11 %
Age 35 to 44: 10 % 11 % 12 % 14 %
Age 45 to 54: 15 % 16 % 17 % 19 %
Age 55 to Withdrawal: 18 % 19 % 20 % 22 %

Contribution split

Affiliated companies can choose between equal contributions and higher employer’s contributions.

50 % Members 50 % Companies
40 % Members 60 % Companies
20 % Members 80 % Companies

Disability and death cover

The pension plan also lets you select the level of risk cover (death and disability) by adjusting the risk contribution.

In the event of disability:

  • Disability pension, calculated on the basis of projected retirement savings capital and the conversion rate; it amounts to at least 50% of insured pay or at least 60%, depending on the selected plan
  • Pensions for children of invalided members
  • Contribution waiver

In the event of death:

  • Spouse’s pension or single lump-sum benefit
  • Partner’s pension
  • Orphans’ pensions
  • Divorced spouses’ pensions
  • Lump-sum death benefit for unmarried members
  • An additional lump-sum death benefit is paid to the spouse, partner or children of the deceased; this corresponds to 50% of insured pay but is capped at 2.5 times the maximum reckonable annual pay defined by the Occupational Pensions Act (BVG/LPP).

The various options allow you to offer your staff better benefits than the statutory minimum.

Our team will be pleased to help assemble your package of pension options.

Links to your contacts.