Plan based on legal requirements

Minimum occupational benefits

Old-age or disability benefits, insured salary, interest rates: our occupational pension plan complies with the statutory requirements of the Swiss Federal Law on Occupational Benefits (LPP/BVG). It provides basic protection for your employees. Discover its benefits, assets and the ways to improve them.

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Benefits covered

Advantages

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Principles

  • You join a pension fund to insure your employees against old-age, disability and death risks, in accordance with the Swiss Federal Law on Occupational Benefits (LPP/BVG).
  • The pension fund pays statutory and regulatory benefits when insured events such as retirement, disability or death occur.
  • You benefit from the following state-of-the-art services:
    • personalised contract management
    • flexible, fast and efficient administration
    • online management of employee pension data through an extranet
    • investment policy focused on performance and safety
Main benefits

Salary limits

  • Minimum insured salary
  • 150% of the minimum AVS/AHV pension
  • Maximum AVS/AHV salary
  • 300% of the minimum AVS/AHV pension

Retirement benefits

  • Old-age pension
  • Accumulated retirement capital, with interest, multiplied by the conversion rate set by the Federal Council
  • Pensioner’s child’s pension
  • 20% of the old-age pension

Disability benefits

  • Disability pension
    • Projected retirement capital, without interest, multiplied by the conversion rate set by the Federal Council
    • Payment after a contractual waiting period of 360 or 720 days (at certain conditions)
  • Disabled person’s child’s pension
    • 20% of disability pension
    • Payment up to age 18, or 25 if the child is in training

Benefits in the event of death before the end of the contract

  • Spouse’s pension (widow or widower)
  • 60% of disability pension
  • Orphan's pension
    • 20% of spouse’s pension
    • Payment up to age 18, or 25 if the child is in training
  • Legality: you fulfil your legal obligations regarding occupational benefits for your employees.
  • Security: you protect your employees against the financial consequences of old-age, disability and death.
  • Complementarity: you can supplement the compulsory LPP/BVG coverage with a tailor-made pension plan.

Request a personalised offer online

  • Use the corporate online offers system to send us your information, without any obligation on your part. Once assessed, we will be able to send you a personalised offer.

  • Request an offer online
Request advice

  • By phone

  • 0848 803 777
    08.00 – 12.00
    13.30 – 17.00
    On the Swiss landline network: national rate / On the Swiss mobile network: according to your mobile network operator

  • Meet an adviser

  • Form to request a contact

Frequently asked questions

What is the minimum salary for which it is compulsory to be insured through the LPP/BVG pension scheme?

Anyone receiving, from the same employer, an annual salary greater than the access threshold must be insured through the LPP/BVG. Insurance covering the risks of death and disability starts on 1 January following your 17th birthday. Savings for retirement start on 1 January following your 24th birthday.

The limit amounts applicable to the minimum cover through the LPP/BVG scheme are available in the key figures on pension cover.

What share of the contribution does my employer pay for this scheme?

The employer has to pay a contribution at least equal to the contribution of its employee. Generally, the insured party pays 50% of the premium and the employer pays the other 50%.

I do not have any LPP/BVG assets when I leave the pension fund, why?

You are probably not yet 25. So far, you have only been insured for the risk of death and disability. Your contributions to your retirement assets will start on 1 January following your 24th birthday.

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Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111