18 April 2018, author: Mirjam Arnold, photo: Helvetia
The law says that employed persons with more than one job can insure themselves through the occupational benefit scheme. Their total pay must be at least CHF 21,150. If this is the case, there are various options:
You can check whether you can insure your entire income through one of your employers’ employee benefit institutions:
You have the option of insuring yourself with the LOB substitute scheme foundation. For this you must also have a total salary of at least CHF 21,150.
Important: Employers must in any case be informed in advance about the insurance. Only then do they have to participate in the contributions.
If you forego voluntary pension provision in the second pillar, you can also insure yourself through the third pillar and in any case benefit from a bigger deduction if you are not included in the second pillar at all. However, employers do not have to participate in the third pillar.