More than just a plan. A decision that benefits your staff.

If you take on good people on a permanent basis, you should also provide them with proper security. The swissstaffing Pension Fund offers BVG occupational pension plans for permanent staff that go far beyond the statutory minimum – flexible, transparent and tailored to your circumstances.

Lower deductions. Higher insured earnings.

The lower the coordination deduction, the more of your salary is insured – and the higher the payments in old age, or in the event of disability or death. Choose the option that best suits your company from the four available.

Save more. Enhance your image.

Anyone that pays into a pension plan today will have more tomorrow. As a member company, you can opt for higher pension credits for your permanent staff than those offered under the standard plan – a genuine advantage when competing for skilled workers.

Your contribution? Your decision.

Not every company is wired the same. That’s why you can decide for yourself how the contributions are split between you and your staff.

– 50% insured person – 50% company
– 40% insured person – 60% company
– 20% insured person – 80% company

A higher company contribution is more than just a financial benefit for your staff – the message it sends, loud and clear, is: you’re worth a lot to us.

Wait, there’s even more.

In addition to the basic plans, we offer further options that allow you to tailor your workers’ cover to their specific needs.

Higher savings contributions:
Your insured workers can make voluntary contributions and thus deliberately top up their pension. Good for them – and good for their tax returns.

Personalised insurance options:
Extended risk coverage can be coordinated precisely with the needs of your workforce.

Early withdrawal for home ownership (Wohneigentumsförderung, WEF) or a voluntary contributions for a higher pension:
Both are possible. We’d be happy to advise you on what’s best in different situations.

Choice between a pension or a lump-sum payment:
The decision is up to the insured person – we ensure they are well-informed before making it.

All-round protection. Even in a worst-case scenario.

With the chosen BVG pension plan, the level of risk insurance cover can also be fixed – by adjusting the life insurance contributions. So that you and your staff know exactly what to expect when push comes to shove.

In the event of disability
01 Disability pension
Calculated on the basis of the projected retirement savings and the applicable conversion rate. At least 50% of the insured earnings – or, depending on the choice of plan, at least 60%.

02 Disability pension for children
For the children of disabled insured persons – so that the youngest are covered too.

03 Disability waiver
A disabled person is no longer required to make contributions towards their pension. The pension continues to accrue – with no financial pressure on the member.

In the event of death
01 Widow’s/widower’s pension or one-off lump-sum
Depending on your personal circumstances – arranged flexibly and tailored to the surviving spouse’s needs.

02 Life partner’s pension
Unmarried life partners are also covered. Because provision makes no distinctions.

03 Orphan’s pension
For surviving children until they complete their education.

04 Pensions for divorcees
Covered even after a divorce – with no gaps.

05 Death benefit for unmarried persons
An additional death benefit is paid to the spouse, life partner or children – 50% of the insured earnings, up to a maximum of 2.5 times the annual BVG salary.

The various options allow you to offer your staff significantly more than the statutory minimum benefits. It pays off – for them and for you as an employer.

Our team will be happy to help you put together the right pension options for your company.

Solid basic cover. And more than the minimum.

TEMP BASIC provides insurance cover for temporary staff that goes beyond the minimum BVG plan – with useful additional cover that offers genuine protection.

Standard

• Risk contributions of 1.75%
• Additional death benefit for all insured persons: 50% of the insured earnings

Additional options
01 Increased disability pension
The minimum disability pension can be increased to 30% of the insured earnings – for greater security if it’s ever needed.

02 Increased death benefit
The additional death benefit can be increased to 100% of the insured earnings (+50%).

TEMP BASIC risk contributions at a glance

• Standard benefits: 1.75%
• Increased disability pension to 30% of the insured earnings: +0.20%
• Increased death benefit to 100% of the insured earnings: +0.05%
• Maximum risk contribution: 2.00%

More benefits. More protection.

TEMP PREMIUM builds on TEMP BASIC – offering higher benefits and additional options for companies wishing to offer more to their temporary staff in the staff leasing sector.

Standard

• Annual risk contribution of 1.90%
• Additional death benefit for all insured persons: 50% of the insured earnings
• Disability pension: at least 30% of the insured earnings
• Life partner’s pension available
• Partial retirement possible

Additional options

01 Increased disability pension
The minimum disability pension can be increased to 40% of the insured earnings (+10%).

02 Increased death benefit
The additional death benefit can be increased to 100% of the insured earnings (+50%).

TEMP PREMIUM risk contributions at a glance

• Standard benefits: 1.90%
• Increased disability pension to 40% of the insured earnings: +0.20%
• Increased death benefit to 100% of the insured earnings: +0.05%
• Maximum risk contribution: 2.15%

We would be happy to provide you with a personalised quote.
Request a quote

Precise hours – even for short assignments.

At the swissstaffing Pension Fund, the coordination deduction is calculated per hour. This means that even short-term assignments in the staff leasing sector can be recorded accurately and fairly.

The BVG minimum is always insured. The amount of the contribution is based on the insured monthly earnings.
To the contribution rates

All-round protection. Even in a worst-case scenario.

You can’t plan the unexpected. But we’re prepared for it. With us, your temporary staff are fully covered in the event of both disability and death – no ifs or buts.

In the event of disability

• Disability pension – calculated on the basis of the projected retirement savings and the applicable conversion rate
• Disability pension for surviving children
• Disability waiver – your pension continues to accrue, even without your making contributions

In the event of death

• Widow’s or widower’s pension or one-off lump sum – depending on your personal circumstances
• Orphan’s pension for surviving children
• Pension for divorcees
• Life partner’s pension – for unmarried couples too (TEMP PREMIUM)
• Death benefit for unmarried persons
• Additional death benefit for all insured persons: 50% of the insured earnings