Mission

The Substitute Occupational Benefit Institution accepts employers who are not able to join an occupational benefits institution.

If employers fail to insure their employees in accordance with the regulations, compulsory membership with us will be implemented.

If a company has not joined an occupational benefits institution despite being legally obliged to do so, we provide the mandatory benefits for employees or their survivors.

We also offer people the option of voluntarily taking out insurance in the second pillar. For example, for:

• Self-employed persons
• Employees with multiple employers
• Employed and unemployed persons who withdraw from the compulsory occupational benefits scheme and wish to continue

Performance and funded status
Facts and figures
Frequently asked questions

Unemployed persons are insured with us against the risks of death and disability, as long as they receive a daily allowance from unemployment insurance.

We enable unemployed persons to voluntarily continue their risk insurance if they withdraw from the compulsory occupational benefits scheme for the unemployed.

Performance and funded status
Facts and figures
Frequently asked questions

We assume the pension benefits if the contract between an occupational benefits institution and a company with employees obliged to pay contributions under BVG/LPP is terminated. If an affiliation with a new occupational benefits institution is not made in good time, the company will be compulsorily affiliated with us.

Facts and figures
Frequently asked questions