ÖKK Occupational pensions offers modular benefit plans. The basis is the insured salary, from which the old-age, disability and death pension components can be insured on a modular basis. Discover the possibilities.
Advantages
100% risk cover for death and disability
Modular offering structure (old age, disability, death)
Premium payment in arrears, liquidity and interest benefits your company
Electronic access for companies and insured persons (customer portal and app)
Questions and answers (FAQ)
In principle, all employees liable for AHV payments with an annual salary above CHF 21,510 are subject to the BVG. The insurance obligation begins when the employee enters into an employment relationship. For death and disability pensions, the insurance obligation begins at the earliest on 1 January in the year after the employee turns 18 (risk contribution), and for the old-age pension, at the earliest on 1 January after the employee turns 25 (savings contribution).
Unemployed people are compulsorily insured for the risks of death and disability as long as they receive daily allowances from unemployment insurance. To prevent any gaps in retirement cover, it is possible to voluntarily pay in BVG retirement credits to the substitute occupational pension fund (Auffangeinrichtung BVG).
Benefits are normally paid out in the form of a pension. However, insured persons have the right to receive a quarter of their retirement benefits in the form of a lump sum. At ÖKK, it is possible to receive as much as you want in the form of a pension or lump sum. ÖKK must be notified of the respective amounts at least two months before drawing benefits.
Self-employed workers can insure themselves on a voluntary basis. Insurance can be taken out via the person’s own professional association or with their own pension fund.
At ÖKK, early retirement is possible from the age of 58 and it is possible to defer retirement until the age of 70. In the case of early retirement, the retirement assets are paid out in the form of a lump sum or converted into a lifetime pension. The conversion rate is reduced accordingly.
In principle, occupational pensions also provide death benefits for unmarried couples. In such cases, the couple must have been cohabiting for at least five years before the death of the insured person, have children together or the surviving partner must have been supported by the insured person.