Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation
Reply
 
Thread Tools Display Modes
  #1  
Old 05.12.2018, 23:58
Newbie
 
Join Date: May 2018
Location: Zurich
Posts: 5
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Palladium has no particular reputation at present
Employer contribution to 2nd pillar

Can't believe this wasn't answered before but google wasn't my friend tonight.

My question is, is there a way to verify the employer contribution to the occupational pension (2nd pillar)?

I know that the employer should pay at least 50% of the total contribution, but how do I verify this is actually happening, other than asking my employer? I can indeed see the BVG deduction in my payslip, say it's 200 CHF for example, but this is my contribution so I'd expect the total to be 400+ CHF. Does this sound right? My contract does not specify this point. Perhaps I should ask the insurance provider?

Thank you all
Reply With Quote
  #2  
Old 06.12.2018, 03:59
Senior Member
 
Join Date: Aug 2010
Location: Zürich
Posts: 422
Groaned at 5 Times in 4 Posts
Thanked 332 Times in 194 Posts
ThomasSSS has an excellent reputationThomasSSS has an excellent reputationThomasSSS has an excellent reputationThomasSSS has an excellent reputation
Re: Employer contribution to 2nd pillar

My data-point: I receive a balance and yearly contribution statement from our provider approximately once per year.

So yes, talk to the insurance company. They probably have a statement schedule, and should be able to tell you what they've received for your account.
Reply With Quote
  #3  
Old 06.12.2018, 04:33
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 9,252
Groaned at 72 Times in 63 Posts
Thanked 13,829 Times in 6,166 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Employer contribution to 2nd pillar

You will get an yearly statement at the beginning of the new year. Shows all contributions so far and interest.

Here an example how it might look like:
http://www.helloswitzerland.ch/-/pen...ce-certificate

If you do not get a statement by February request one through HR or your pension plan provider. You are entitled to one and they must give you one by law.
Reply With Quote
  #4  
Old 06.12.2018, 07:24
Member
 
Join Date: Oct 2011
Location: Aargau
Posts: 146
Groaned at 5 Times in 5 Posts
Thanked 111 Times in 46 Posts
Wisconsinite has no particular reputation at present
Re: Employer contribution to 2nd pillar

From what I have read, it's the first pillar that can be an issue sometimes. 2nd pillar is very transparent.
Reply With Quote
  #5  
Old 06.12.2018, 08:12
Forum Veteran
 
Join Date: Feb 2008
Location: Zurich
Posts: 976
Groaned at 6 Times in 6 Posts
Thanked 316 Times in 238 Posts
bill_door has earned the respect of manybill_door has earned the respect of manybill_door has earned the respect of many
Re: Employer contribution to 2nd pillar

as others have said, annually (Jan usually) you should (must?) get an extract from your 2nd pillar provider, sometimes provided by the employer (provider to employer, employer to you), more recently this has been directly from the provider to you. At any time you are entitled to an extract from the provider so contact your provider (provide name, DoB, AHV no., employer, contract number if you have it).

to get 1st pillar extract from (select your canton):

here

and follow their links. Many of these have an online request page, and it will give a detailed statement of all your CH employers contributions, including your own.

note that both of these numbers can be 3--6 months behind what you expect. although you have the deductions monthly many employers have to settle the liability only quarterly. if you have unexpected gaps/deficits, then you should take it up directly with them.
Reply With Quote
  #6  
Old 06.12.2018, 09:51
Member
 
Join Date: Nov 2013
Location: zurich
Posts: 211
Groaned at 3 Times in 3 Posts
Thanked 129 Times in 69 Posts
peaky has earned some respectpeaky has earned some respect
Re: Employer contribution to 2nd pillar

Your contract or welcome pack should have had pension details.

You can also check the intranet or ask HR to provide you pension details.

And as already been mentioned very soon, in Jan, you will receive a statement from who ever manages the company pension.
Reply With Quote
This user would like to thank peaky for this useful post:
  #7  
Old 06.12.2018, 09:55
roegner's Avatar
Forum Legend
 
Join Date: May 2011
Location: Zurich
Posts: 7,653
Groaned at 277 Times in 226 Posts
Thanked 8,190 Times in 4,126 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Employer contribution to 2nd pillar

Or just email the pension provider if you do not want to wait until January (add your pension number)
Reply With Quote
  #8  
Old 06.12.2018, 15:02
Newbie
 
Join Date: May 2018
Location: Zurich
Posts: 5
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Palladium has no particular reputation at present
Re: Employer contribution to 2nd pillar

Very informative, thanks all.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
2nd pillar contribution patrickk Finance/banking/taxation 24 13.12.2018 20:49
2nd Pillar - My employer forgot. Ocean8 Finance/banking/taxation 7 28.03.2018 14:26
question on 2nd pillar contribution and 3 years limit giff Finance/banking/taxation 2 14.11.2015 18:08
Pay into 2nd pillar: voluntary contribution MrVertigo Finance/banking/taxation 4 07.12.2013 20:20
2nd Pillar- employee and employer? Ofer L Finance/banking/taxation 8 01.11.2010 11:16


All times are GMT +2. The time now is 18:26.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0