Insurance for your people
Occupational pension (BVG/LPP)
Your employees' second pillar: a structuring choice for the business.
The essentials
Occupational pensions cover retirement, disability and death. For the business, the choice of pension fund and plan has lasting effects on costs and on attractiveness as an employer.
We help you understand your current plan, compare it with your objectives and, if necessary, prepare a change under good conditions.
The situations concerned
- Setting up a business and joining a pension fund.
- A pension plan that management or employees find hard to read.
- Considering a change of pension fund.
- Wanting different plans for different categories of staff.
How we support you
- Reading the regulations, the plan and the annual documents.
- Explaining the key parameters and their impact.
- Preparing any change: timetable, documents, information for staff.
- Linking with your other insurance for people.
Before deciding
Points to examine
- 01The share of contributions funded by the employer.
- 02Disability and death risk benefits.
- 03The conditions for terminating the current affiliation.
- 04The prior agreement of the staff or their representatives, which is essential before terminating the affiliation and choosing a new pension fund.
How it works
How we move forward together
- Step 1
Listen
We start from your organisation: headcount, employment contracts, HR practice and situations you have already experienced.
- Step 2
Read what exists
We analyse your policies, general and specific conditions, as well as recent correspondence with insurers.
- Step 3
Clarify the options
You receive a readable summary of the gaps, the possible choices and their consequences for the business and its employees.
- Step 4
Put in place
We coordinate the steps with the insurers and help you inform your teams.
- Step 5
Follow up
Absences, changes, growth: we review the arrangements whenever the reality of the business changes.
Frequently asked questions
Your questions
Must every business have a BVG/LPP solution?
Affiliation is compulsory as soon as the business employs people subject to compulsory insurance, according to salary and age conditions set by law. We check your actual situation.
Can we change pension fund?
Yes, by complying with the termination conditions of the affiliation contract and obtaining the prior agreement of the staff or their representatives. Informing employees after the fact is not enough: without this prior agreement, the termination is not valid. Our guide on changing pension fund describes the process in detail.
Can the plan be different for managers?
Plans by category are possible if they are based on objective criteria. Their design deserves careful examination.
How should the pension certificate be read?
We can help you explain its main sections to your employees, without giving individual advice on their personal situation.
Related services
References
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.