The law only regulates minimum benefits 

The Federal Act on Occupational Old Age, Survivors’ and Invalidity Pension Provision (LOB) requires employers to set up retirement benefit schemes for their employees and to insure them against disability and death. However, the LOB only regulates the statutory minimum benefits. Your own pension fund can be optimized in a targeted manner. 

Protect wages more comprehensively 

Not all salary components are automatically insured in the pension fund. Part-time employees with low salaries or specialists with higher salaries are often not adequately insured under the LOB minimum. However, this can be optimized with a pension fund solution that is individually tailored to your own business. Comprehensive insurance for employees’ salaries makes a company more attractive on the labour market. 

Targeted benefit improvements 

In addition to retirement provision, other pension fund benefits are important. Here, too, optimizations beyond the statutory minimum are possible, for example, with better protection for survivors. But higher disability pensions, flexible retirement models or the possibility of voluntary purchases also make for an attractive pension fund solution. 

Position yourself as an attractive employer 

An employer whose pension fund goes beyond the LOB minimum assumes social responsibility in respect of their employees. As a result, your company will also impress as an employer and be more attractive to new specialists.