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Old 27.03.2018, 22:16
doropfiz doropfiz is offline
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Re: 2nd Pillar - My employer forgot.

First, I'd advise not assuming that they are trying to avoid giving you 2nd pillar cover. As it is compulsory, and as your employer is a) large and b) Swiss, it is unlikely that anything has happened other than what you say: they forgot.

The 2nd pillar is a pension scheme. It must fulfil, at minimum, the requirements of the relevant law, called the BVG. Many companies offer pension benefits beyond that minimum. These are known as "über-obligatorisch".

There is no personal "2nd pillar pension account" that is created especially for you, not in the sense that you could see it on an account statement like a bank account. However, you should be able to see a deduction on your monthly salary statement, for your contributions towards the pension plan.
  1. Check your employment contract. In there, it should state how much (as a percentage) the deduction will be for the 1st pillar social security contributions (AHV), for unemployment insurance, and for the 2nd pillar pension plan (BVG), and what percentage (it must be at least 50%) of the total contributions for 2nd pillar that your employer will pay.

  2. Go the the Human Resources Department. Ask there, nicely, for a copy of the Rules of the Pension Plan. You are entitled to these. OR: check to see whether they might (forgotten) be in the info-pack you received when you first started work there. Read them, to make sure you understand how those contributions are made.

  3. Go back to the Human Resources Department. Ask for a Benefits Statement of the Pension Plan. It is a document reflecting your assumed levels of coverage/pay-outs (rather vaguely) in the event of disability, old-age and death. Some pension schemes do provide this, others do not. Obviously, if they haven't insured you, they won't be able to issue your Benefits Statement. However, the absence of a Benefits Statement does not, in itself, prove that you are not in the scheme.

  4. Check your salary statements (pay slips). Not only the monthly ones, but also the one you got at the end of the year, summarising the whole year. Make sure you understand what each deduction means.

If they really have forgotten to cover you, and you really are in the bracket entitled to cover, they will have to correct this. Be sure of your facts, though, first.
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