Optimizing employee benefits provision 

Even though the "LOB 21" reform was rejected, companies can improve their employee benefits provision beyond the benefits prescribed by law, thereby positioning themselves well in the labour market. This not only makes the company a more attractive employer. Staff also benefit in that they receive significantly better benefits from their pension fund that go beyond the statutory minimum. Both employers and employees are represented on the pension funds’ Boards of Foundation. So, the ideal environment in which to take a joint look at individual and useful options for optimization. Read more on this in “Helvetia – News on the 2nd pillar 2025”, in the section entitled Products and benefits.

Key figures and limits

The most important key figures and limits for the first, second and third pillars of our social insurance system will change with effect from 1 January 2025. You can find an overview of these figures and limits in “Helvetia – News on the 2nd pillar 2025”, in the section entitled Market and social insurance.

Implementation of the 13th OASI pension  

In the summer of 2024, the Federal Council presented the core details regarding the implementation and financing of the 13th OASI pension. It is envisaged that the additional OASI pension will be paid once a year in December, for the first time in 2026. The matter is now with parliament, which will decide on it.  

Latest insurance certificate on myHelvetia  

For many employees, their personal retirement savings in their pension fund are their biggest asset. It is worth taking a look at them from time to time. The latest insurance certificate is now available to those insured with the Helvetia Group foundations on myHelvetia. Here, they can simulate important events such as a voluntary purchase and use the online pension analysis to gain more clarity over their financial future. Further information on this is available in “Helvetia – News on the 2nd pillar 2025”, in the section entitled Services. 

Retroactive purchases in pillar 3a 

In addition to OASI and the pension fund benefits, pillar 3a is an important tool for making provision. However, it is not always possible to make the maximum contribution, and shortfalls can arise. Any such shortfalls arising from 2025 onwards can be made up for the first time in 2026. The regulation in this regard will enter into effect on 1 January 2025. Read more about the framework for retroactive purchases in pillar 3a in the latest “Helvetia – News on the 2nd pillar”, in the section entitled Market and social insurance, and in the guide “Pillar 3a. Tied pension provision”.