A part-time position here, a short-term assignment there, and perhaps another employer as well: working models of this kind have long been part of today’s professional landscape. However, they create situations in occupational pension provision that do not readily fit within the traditional BVG model.
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In the picture: Granit Kabashi, Head of Sales German-speaking Switzerland and Ticino at Tellco
Employment relationships in transition
How are these changes reflected in the core business of pension funds? Which special cases regularly arise that the BVG was not designed to address? And what do changing employment levels, fluctuating salaries or temporary assignments mean for pension provision?
Having several employers raises additional questions: How should the individual employment relationships be assessed? What role do the entry threshold and coordinated salary play? And how can pension gaps be avoided despite a sufficient overall income?
Challenges from different perspectives
These issues are explored in a recent survey conducted by the vps.epas magazine «Swiss Occupational Pensions». Granit Kabashi, Head of Sales German-speaking Switzerland and Ticino at Tellco, outlines the challenges faced by employers, insured persons and pension funds.
Further practical insights are provided by specialised pension institutions that focus extensively on part-time work, multiple employment relationships and particular employment situations. The different perspectives illustrate the wide variety of circumstances that may arise and the questions that need to be considered in practice.
The article makes one thing clear: modern working models require pension solutions that are flexible and tailored to different employment histories.
Find out more in the full article.