Cadre employee benefit scheme

Cadre employees

• closure of pension gaps; insured persons can generally continue to enjoy the standard of living they are used to in the case of an insurance event
• coordination of benefits with other social insurances
• contributions and purchase sums can be deducted from taxes
• facilitation of early retirement
• cadre employees benefit from affordable group rates
• advantages like capital options or premature withdrawals for residential properties also apply for the cadre employee benefit scheme

Employers

• you reinforce the image of your company as an attractive and socially-conscious employer, giving you an advantage in recruiting staff
• important employees are likely to be more loyal to the company
• the expense for the cadre employee benefit scheme can be deducted from taxes
• as a company owner, you can also insure yourself and thus benefit from additional tax advantages
• a separate contract guarantees the necessary discretion

The full insurance model guarantees the benefits at all times

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.

Reveal and fill provision gaps

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.