|
 How
can I calculate my 2nd category benefits ?
The federal contingency funding Act (LPP) only sets
minimal requirements.
Each pension fund can plan contingency funds beyond this minimum,
and many pension funds in Switzerland do so.
Speaking of financing, the law requires that each pension fund regulates
its contributions system so that the benefits can be paid as soon as
needed. Therefore, the general rules stated in this Act can only be
fully applied for the minimal part of the insurance.
LPP contributions (employer share and employee share) are varying. There
are three parts:
-
retirement
contributions;
-
death
or disability contributions (contributions for risks), fees
included. These contributions are non-refundable;
-
social
contributions, non-refundable as well.
Retirement
contributions.
|
Age
|
Total contribution in %
|
|
men
|
women
|
of
the coordinated wages
|
|
from
25 to 34 years old |
from
25 to 31 years old |
7
%
|
|
from
35 to 44 years old |
from
32 to 41 years old |
10
%
|
|
from
45 to 54 years old |
from
42 to 51 years old |
15
%
|
|
from
55 to 65 years old |
from
52 to 62 years old |
18
%
|
|
Age the policy-holder
reaches during the year of calculation. |
Risks
contributions.
Insurance services in case of
disability or death. They are calculated according to statistics,
taking account of the insurance capital saved by the policy-holder and
of the probability of disability and death according to age and sex.
Social
contributions.
Social contributions are also stated in the LPP. They are contributions
for special situations (1 % of the coordinated wages, mainly used to
improve the situation for the coming generation), for a guarantee fund
(currently 0,1 % of the coordinated wages) and to adapt
the
pension benefits to the consumer prices level.
 
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