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White Paper KMU Temporärangestellte - Hero

TELLCO PENSION FUND

Temporary Work and Occupational Pensions: What You Need to Know

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Fluctuating workloads are a part of everyday life for many businesses – but they also come with a high administrative burden, including for occupational pension (BVG) insurance. Fortunately, there is a solution: with hourly-based BVG contribution accounting, temporary work can be insured precisely. Learn more about the benefits here and make use of our white paper for implementation.

The Problem: The Standard BVG Solution Is Cumbersome 

An efficient and fair occupational pension (BVG) insurance benefits everyone: it reduces administrative work for employers and supports employees over the long term. However, insuring temporary work – such as in seasonal businesses – poses challenges. When working hours vary significantly and cannot be reliably estimated long-term, this does not align well with the standard BVG provisions, which are based on fixed monthly salaries.

Companies that insure temporary work using a standard model must report estimated average monthly salaries. For irregular work patterns, this often leads to miscalculations – and consequently, to time-consuming corrections. This creates significant extra work for businesses. And the financial uncertainty places a burden on both employers and employees.

 

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The Solution: Hourly-Based BVG Contribution Accounting Is Efficient and Fair 

For companies with temporary staff, hourly-based BVG contribution accounting offers a straightforward solution. The concept is simple: each month, the actual hours worked are recorded – and only what was truly worked is insured.

This significantly reduces employers' administrative burden. If an automated system is used that links time recording with the pension scheme, a one-time entry is sufficient – future adjustments are no longer needed.

Another advantage: with hourly-based accounting, both the entry threshold and coordination deduction are applied directly to the hourly wage. This ensures legally compliant and accurate BVG insurance from the very first day.

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The Added Value: Increased Attractiveness for Employees

Employees also benefit from precise contributions and improved insurance conditions offered by hourly-based accounting: since the coordination deduction is calculated monthly, it can be lower – which in turn increases the insured salary amount.

Especially in a labour market characterised by skills shortages, hourly-based accounting is a clear advantage: companies that offer fair pension solutions position themselves as attractive employers in the competition for qualified staff.

 


Download: White Paper “Pension funds for temporary and part-time employees”

Our guide provides employers with answers to the most important questions regarding BVG for temporary and part-time staff. You will learn:

  • What BVG obligations mean for temporary work
  • The advantages hourly-based BVG contribution accounting brings
  • How to consistently minimise administrative effort

Fill out the form now and get the white paper directly via email!