A cadre pension solution from Helvetia covers the additional needs of employees with particular pension requirements: these are usually cadre employees whose benefit coverage often has considerable gaps, due to their higher salaries.
The benefit coverage for cadre employees often has considerable gaps due to their higher salaries. With a solution that is optimally tailored to the individual needs of your company, we combine basic and cadre employee benefit schemes into one harmonious whole.
Regardless of what form the solution for your company’s cadre employee benefit scheme takes, with Helvetia you’ll enjoy the all-round security of the full insurance model: at all times you can be certain that Helvetia can meet all obligations towards the active insured persons and pensioners. There is no chance of a cover shortage, and neither the company nor the insured persons or pension recipients will ever have to pay recapitalization contributions.
You can integrate the cadre employee benefit scheme for your company very easily as its own category in the existing LOB contract (so-called encasing solution). However, you may also have good reason to conclude a separate contract – with Helvetia Prisma.
With an all-encompassing solution, you supplement your LOB host contract with one or more additional categories, the benefits of which ideally cover the requirements of the relevant employee groups. Encasing solutions are part of the LOB host contract and are subject to the statutory minimum provisions of the LOB. The selected, jointly represented board of trustees is responsible for the important decisions on all the categories contained in the contract. Since only one contract exists and every employee has just one policy, the costs defined per contract and policy apply only once.
Numerous businesses prefer to regulate the cadre employee benefit scheme in a separate contract. In this case, Helvetia Prisma is an option for you: Helvetia Prisma is a collective foundation for the supplementary employee benefit scheme and has been offering benefits beyond those that are compulsory since 1984. Helvetia Prisma proves flexible in the formation of pension benefits, because it is not bound by the minimal provisions of the LOB. This enables you to insure supplementary pension benefits as required for your cadre employees: This means that special financing models can be agreed, for example, or additional benefit components integrated, which cater ideally to the needs of the insured employee category.
Comprehensive benefit coverage for all employees
With a cadre pension solution from Helvetia, you can be sure that employees in the upper salary segment will be able to continue the lifestyle they are accustomed to even after retirement or in the event of disability. The same applies in case of death for those they leave behind.