The Reform of the occupational Pension scheme is overdue. Two attempts have failed in referendums. Now, employers Association and trade unions have drawn up a new proposal. Primary goal: The minimum conversion rate for wages between 21'330, and 85'320 CHF will be reduced.
Since the conversion rate of the pension, which leads to a pension reduction. In the case of a pension capital of CHF 100'000, a pensioner with today's conversion rate of 6.8 percent receives an annual pension of 6800 Swiss francs.
The reason for this step: Increasing life expectancy and persistently low interest rates are making it increasingly difficult to Fund the current minimum rate of 6.8 percent. The result is retired for a redistribution of the pension capital of active Insured. In accordance with the occupational Pension Supervisory Commission amounted to the redistribution from 2014 to 2018 in the year, an average of 6.7 billion Swiss francs.
trade Association have opted out of
Nevertheless, the services are not or at least not much should be shortened. The representatives of employers and employees – so the social partners are agreed that the failures need to be compensated. Because otherwise the same fate as of 2010, threatens the template, as the voting public has rejected a moderate reduction in the conversion rate significantly.
there are, However, among the social partners have different views about how far this compensation should go. The trade Association is out of step, and represents a separate variant, which is intended in particular to protect employers who work with low wages and margins. The employers 'Association, which represents the larger companies, and the workers' representatives travail Suisse trade Union Confederation have drawn up a compromise proposal that secures the pensions better.
is the solution to: Hans-Ulrich Bigler, Director of the Association of Swiss industry. Photo: Peter Klaunzer, Keystone,
All the social partners have your solution this Morning, health Minister Alain Berset presented. Ask the Federal Council to initiate a change in the law so that Reform can occur in 2021 or at the latest in 2022 in force.
Five steps to compensate
The proposal from the employers ' Association and the Union provides that the conversion rate is lowered in one step from 6.8 to 6.0. This pension to compensate for no buses from almost 12 percent of the reform package the following steps:
pension Supplement: Future pensioners receive a Supplement per head, is paid as a fixed amount. These employees and businesses to Fund a wage contribution of 0.5 per cent. Of people to benefit lower-income and part-time employment. But also the so-called transitional generation receives a pension Supplement. In doing so, employees who are unable to save due to the Reform, less retirement capital. It is of 15 new pensioners-year courses from the entry into force of the Revision, and a monthly amount of 100 to 200 francs in the speech. The trade Federation rejects this because of the cost and from fundamental Considerations. This is a redistribution, as in the AHV. In the capital cover of the second pillar, the have nothing to.
age credit: the payroll contributions of workers and employers to increase with the age of 7 to 18 percent. Instead of four levels there should be only two (9 per cent of 25 to 44 years, and 14 per cent aged 45 and over). So is it for something cheaper to hire older workers because they have to pay for this less social security contributions than it is today. The trade Association wants to hold on to four levels, and higher insurance costs for older employees in the amount of 18 percent.
coordination deduction: is The coordination deduction will be halved, which leads to a higher old-age savings. In the occupational Pension of the whole wage is not assured. The part that is already secured by the AHV is deducted. This is the coordination deduction. With the reduction, the savings contributions will be calculated for the pension schemes from a higher base, resulting in higher pension liabilities for the employees. Of the halving, in particular, part-time workers should benefit in the long term. The trade Association warns of higher costs in sectors with low wages and scarce margins over water. In the case of a reduction of the coordination deduction he feared job losses.
grants cancel: Today, the safety Fund grants to employers paid for it with many older employees, because this is for the company to a larger financial burden. The security Fund is a type of reinsurance for pension funds. Due to the correction in the age credit, the employer will consider the Association and the trade unions that they are not necessary. The trade Association sees no potential for savings. The removal of the subsidies mouths only in a further redistribution of the costs, he shares.
report: , The Federal Council is to write with the involvement of the social partners at least every five years a report to explain the basis for the determination of the minimum conversion rate and the amount of the pension Supplement are.
The conversion rate will drop from 6.8 to 6 percent and partly compensated. You support this solution?Yes
the employers ' Association, travail Suisse and Union Federal have come to the conclusion that these elements, part-time workers – in particular women and workers with lower wages in the future even a better pension than it is today. They are confident that other workers and employees accept no performance loss.
The compromise proposal, concern for "a good price-performance ratio", and "SMEs-friendly", which is a by-blow against the trade Association that claims to represent the SMEs. (Editorial Tamedia)
Created: 02.07.2019, 09:28 PM