Occupational benefit. Information for employees.
Entering the company
Joining a new pension fund
When joining a new company you become affiliated with a new pension fund. If you already made contributions to an occupational benefit scheme in a previous job, you are entitled to the assets from it, known as termination or vested benefits. These must be paid in to the new pension fund.
Pension issues during employment
| Video - Pension fund regulations | EN FR IT DE | ||
| General regulation provisions 2023 - Helvetia Prisma Group Foundation (retirement capital) | EN FR IT DE | ||
| General regulation provisions 2023 - Helvetia Prisma Group Foundation (retirement pension) | EN FR IT DE | ||
| – Organization rules - Helvetia Prisma Group Foundation | EN FR IT DE | ||
| – Partial liquidation rules - Helvetia Prisma Group Foundation | EN FR IT DE | ||
| Video - Pension fund regulations | ||
| EN FR IT DE | ||
| General regulation provisions 2023 - Helvetia Prisma Group Foundation (retirement capital) | ||
| EN FR IT DE | ||
| General regulation provisions 2023 - Helvetia Prisma Group Foundation (retirement pension) | ||
| EN FR IT DE | ||
| – Organization rules - Helvetia Prisma Group Foundation | ||
| EN FR IT DE | ||
| – Partial liquidation rules - Helvetia Prisma Group Foundation | ||
| EN FR IT DE | ||
| Video - Pension fund regulations | EN FR IT DE | ||
| General regulation provisions 2023 - Helvetia LOB Invest Group Foundation | EN FR IT DE | ||
| – Organization rules - Helvetia LOB Invest Group Foundation | EN FR IT DE | ||
| – Partial liquidation rules - Helvetia LOB Invest Group Foundation | EN FR IT DE | ||
| – Investment Rules - Helvetia LOB Invest Group Foundation | EN FR IT DE | ||
| Video - Pension fund regulations | ||
| EN FR IT DE | ||
| General regulation provisions 2023 - Helvetia LOB Invest Group Foundation | ||
| EN FR IT DE | ||
| – Organization rules - Helvetia LOB Invest Group Foundation | ||
| EN FR IT DE | ||
| – Partial liquidation rules - Helvetia LOB Invest Group Foundation | ||
| EN FR IT DE | ||
| – Investment Rules - Helvetia LOB Invest Group Foundation | ||
| EN FR IT DE | ||
* The General Regulation Provisions of all foundations have been revised and made clearer and more readable. The annexes to the General Regulation Provisions (organization and partial liquidation regulations) are also managed as separate regulations. The numbering in benefit plans issued before 01.01.2020 may therefore differ from the numbering in General Regulation Provisions issued at a later date. In such cases, please refer to the subject sections.
| Information sheet - Promotion of home ownership | EN FR IT DE | ||
| Form - Promotion of home ownership | EN FR IT DE | ||
| Information sheet - Unpaid leave | EN FR IT DE | ||
| Helvetia - News on the 2nd pillar | EN FR IT DE | ||
| Information sheet - Swiss social insurance schemes 2022 | EN FR IT DE | ||
| Information sheet - Swiss social insurance schemes 2023 | EN FR IT DE | ||
| Video - Pension models | EN FR IT DE | ||
| Information sheet - Security for retirement assets and pensions | EN FR IT DE | ||
| Information sheet - Funding ratio of semi-autonomous collective foundations | EN FR IT DE | ||
| Information sheet - Promotion of home ownership | ||
| EN FR IT DE | ||
| Form - Promotion of home ownership | ||
| EN FR IT DE | ||
| Information sheet - Unpaid leave | ||
| EN FR IT DE | ||
| Helvetia - News on the 2nd pillar | ||
| EN FR IT DE | ||
| Information sheet - Swiss social insurance schemes 2022 | ||
| EN FR IT DE | ||
| Information sheet - Swiss social insurance schemes 2023 | ||
| EN FR IT DE | ||
| Video - Pension models | ||
| EN FR IT DE | ||
| Information sheet - Security for retirement assets and pensions | ||
| EN FR IT DE | ||
| Information sheet - Funding ratio of semi-autonomous collective foundations | ||
| EN FR IT DE | ||
Leaving a company
When leaving a company you also leave its pension fund. You are entitled to the termination or vested benefits.
Case 1: You join a new pension fund
If you start a new job at a different company, you will join that company's pension fund. The vested benefits will thus be transferred from the old to the new occupational benefits institution.
Case 2: You need a vested benefits solution
If you are temporarily unemployed (e.g. owing to further education, becoming a parent, a stay abroad, unemployment) and do not yet know who your next employer will be, the pension fund assets must be transferred to a vesting institution by law. This means that your benefit cover in the 2nd pillar is retained. You can also transfer your savings to a vesting institution if you take up self-employment and are no longer subject to the occupational benefit scheme.
| Information sheet - Unemployment | EN FR IT DE | ||
| Information sheet - Continued Insurance Art. 47a LOB | EN FR IT DE | ||
| Supplementary Conditions Helvetia LOB Invest - Continued Insurance Art. 47a LOB | EN FR IT DE | ||
| Supplementary Conditions Helvetia Group Foundation - Continued Insurance Art. 47a LOB | EN FR IT DE | ||
| Information sheet - Unemployment | ||
| EN FR IT DE | ||
| Information sheet - Continued Insurance Art. 47a LOB | ||
| EN FR IT DE | ||
| Supplementary Conditions Helvetia LOB Invest - Continued Insurance Art. 47a LOB | ||
| EN FR IT DE | ||
| Supplementary Conditions Helvetia Group Foundation - Continued Insurance Art. 47a LOB | ||
| EN FR IT DE | ||
Case 3: You are requesting that your vested benefits be paid out
If you take up self-employment in Switzerland or if you are emigrating from Switzerland, your vested benefits can be paid out in cash. The following information sheet explains the provisions and restrictions you must observe for emigration and in particular with regard to the bilateral agreements with the EU.
Retirement
| Information sheet - Capital or pension | EN FR IT DE | ||
| Form - Capital option | EN FR IT DE | ||
| Information sheet - Early retirement | EN FR IT DE | ||
| Form - Purchase for early retirement | EN FR IT DE | ||
| Information sheet - Early retirement models for the construction industry | EN FR IT DE | ||
| Form - Industry-specific early retirement solution | EN FR IT DE | ||
| Supplementary Conditions Helvetia LOB Invest - Industry-specific early retirement solution | EN FR IT DE | ||
| Supplementary Conditions Helvetia Group Foundation - Industry-specific early retirement solution | EN FR IT DE | ||
| Information sheet - Capital or pension | ||
| EN FR IT DE | ||
| Form - Capital option | ||
| EN FR IT DE | ||
| Information sheet - Early retirement | ||
| EN FR IT DE | ||
| Form - Purchase for early retirement | ||
| EN FR IT DE | ||
| Information sheet - Early retirement models for the construction industry | ||
| EN FR IT DE | ||
| Form - Industry-specific early retirement solution | ||
| EN FR IT DE | ||
| Supplementary Conditions Helvetia LOB Invest - Industry-specific early retirement solution | ||
| EN FR IT DE | ||
| Supplementary Conditions Helvetia Group Foundation - Industry-specific early retirement solution | ||
| EN FR IT DE | ||
| Brochure - Conversion rate | EN FR IT DE | ||
| Conversion rates Helvetia Group Foundation 2022/2023 | EN FR IT DE | ||
| Conversion rates Helvetia LOB Invest Group Foundation as of 2022 - for insured persons as of 2020 | EN FR IT DE | ||
| Conversion rates Helvetia LOB Invest Group Foundation 2022–2024 - for insured persons bevor 2020 | EN FR IT DE | ||
| Conversion rates Helvetia Prisma Group Foundation 2022/2023 | EN FR IT DE | ||
| Brochure - Conversion rate | ||
| EN FR IT DE | ||
| Conversion rates Helvetia Group Foundation 2022/2023 | ||
| EN FR IT DE | ||
| Conversion rates Helvetia LOB Invest Group Foundation as of 2022 - for insured persons as of 2020 | ||
| EN FR IT DE | ||
| Conversion rates Helvetia LOB Invest Group Foundation 2022–2024 - for insured persons bevor 2020 | ||
| EN FR IT DE | ||
| Conversion rates Helvetia Prisma Group Foundation 2022/2023 | ||
| EN FR IT DE | ||
