{"id":1146,"date":"2023-02-14T12:34:26","date_gmt":"2023-02-14T11:34:26","guid":{"rendered":"https:\/\/ufind.ch\/retirement\/"},"modified":"2024-11-21T11:27:48","modified_gmt":"2024-11-21T10:27:48","slug":"retirement","status":"publish","type":"page","link":"https:\/\/ufind.ch\/en\/retirement\/","title":{"rendered":"Retirement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1146\" class=\"elementor elementor-1146 elementor-137\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-952ea7b e-flex e-con-boxed e-con e-parent\" data-id=\"952ea7b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cbdf066 e-con-full e-flex e-con e-child\" data-id=\"cbdf066\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06fa8cb elementor-widget elementor-widget-spacer\" data-id=\"06fa8cb\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-678f3f5 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"678f3f5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Retirement<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-619da40 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"619da40\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Swiss system of insurance in anticipation of old age, death and disability is based on three pillars. It operates with both social insurance and private personal insurance. The legal basis for the concept of the three pillars is found in the Constitution of the Swiss Confederation (art. 111). Paragraph 1 of this article states: \u201cThe Confederation shall take measures to ensure adequate old-age, survivors\u2019 and invalidity insurance. This provision is based on the three pillars of federal old-age, survivors and disability, occupational insurance and individual insurance.\u201d<\/p><p>The first pillar is often referred to as \u201cstate foresight or public provision\u201d, the second \u201cprofessional presence\u201d and the third \u201cprivate foresight\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc2849f elementor-widget elementor-widget-button\" data-id=\"fc2849f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/launch-a-search\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Launch a search<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe3658c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fe3658c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1f427b e-con-full e-flex e-con e-child\" data-id=\"e1f427b\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a9ac145 arrow e-flex e-con-boxed e-con e-child\" data-id=\"a9ac145\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8af08e1 elementor-widget elementor-widget-heading\" data-id=\"8af08e1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Foresightedness<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4217678 e-con-full e-flex e-con e-child\" data-id=\"4217678\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-dc355bf e-con-full e-flex e-con e-child\" data-id=\"dc355bf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7f6581 elementor-widget elementor-widget-heading\" data-id=\"a7f6581\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">1st pillar<br>\nState foresight<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-741f2d7 e-flex e-con-boxed e-con e-child\" data-id=\"741f2d7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a45cefa elementor-widget elementor-widget-heading\" data-id=\"a45cefa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">2nd pillar<br>\nProfessional insurance<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19cdf71 e-flex e-con-boxed e-con e-child\" data-id=\"19cdf71\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-029a6a3 elementor-widget elementor-widget-heading\" data-id=\"029a6a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">3rd pillar<br>\nIndividual foreseeancement<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e48be9 e-con-full e-flex e-con e-child\" data-id=\"5e48be9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-de57b2f e-con-full e-flex e-con e-child\" data-id=\"de57b2f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c132088 elementor-widget elementor-widget-heading\" data-id=\"c132088\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">\n<b>Purpose:<\/b> minimum subsistence<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62366ef e-flex e-con-boxed e-con e-child\" data-id=\"62366ef\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1aaf5d7 elementor-widget elementor-widget-heading\" data-id=\"1aaf5d7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">\n<b>Purpose:<\/b> maintenance of the previous standard of living<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f852e50 e-flex e-con-boxed e-con e-child\" data-id=\"f852e50\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bf8f50 elementor-widget elementor-widget-heading\" data-id=\"5bf8f50\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">\n<b>Purpose:<\/b> individual complement<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-180985a e-con-full e-flex e-con e-child\" data-id=\"180985a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-658bf59 e-con-full e-flex e-con e-child\" data-id=\"658bf59\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e77a9a elementor-widget elementor-widget-text-editor\" data-id=\"0e77a9a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n\n<strong>Guaranteed by:<\/strong>\n<ul>\n \t<li>Old and Survivors Insurance (AVS)<\/li>\n \t<li>Disability Insurance (AI)<\/li>\n \t<li>Supplementary Benefits (PCs)<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06aaf67 e-flex e-con-boxed e-con e-child\" data-id=\"06aaf67\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff86806 elementor-widget elementor-widget-text-editor\" data-id=\"ff86806\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n\n<strong>Guaranteed by:<\/strong>\n\n<ul>\n \t<li>Compulsory vocational insurance (LPP)<\/li>\n \t<li>Compulsory Accident Insurance (LAA)<\/li>\n \t<li>insurance above the statutory minimum<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e2c01b e-flex e-con-boxed e-con e-child\" data-id=\"7e2c01b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ac9883 elementor-widget elementor-widget-text-editor\" data-id=\"0ac9883\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n\n<strong>Guaranteed by:<\/strong>\n<ul>\n \t<li>tied foresight (pillar 3a)<\/li>\n \t<li>free provision (pillar 3b)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bb1427 e-flex e-con-boxed e-con e-parent\" data-id=\"2bb1427\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97f087b elementor-widget elementor-widget-bdt-timeline\" data-id=\"97f087b\" data-element_type=\"widget\" data-widget_type=\"bdt-timeline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div id=\"bdt-timeline-97f087b\" class=\"bdt-timeline bdt-timeline-skin-default bdt-timeline-center\">\n            <div class=\"bdt-grid bdt-grid-collapse\" bdt-grid>\n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The LAMA (Sickness and Accident Insurance) is accepted. It is the legal basis for the NAC (as the predecessor of the LAA).<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>1911<\/span>\n            <\/div>\n        <\/div>\n                            \n                                                <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-right\" >\n                <span>1937<\/span>\n            <\/div>\n        <\/div>\n                            \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item right-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The law of obligations (CO) is supplemented by the first provisions referring to pension funds.<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                    \n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The AVS enters into force.<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>1948<\/span>\n            <\/div>\n        <\/div>\n                            \n                                                <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-right\" >\n                <span>1960<\/span>\n            <\/div>\n        <\/div>\n                            \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item right-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The AI enters into force.<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                    \n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The concept of the three pillars is enshrined in the Federal Constitution (art. 34-quater).<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>1972<\/span>\n            <\/div>\n        <\/div>\n                            \n                                                <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-right\" >\n                <span>1984<\/span>\n            <\/div>\n        <\/div>\n                            \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item right-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The LAA enters into force.<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                    \n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The LPP enters into force.<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>1984<\/span>\n            <\/div>\n        <\/div>\n                            \n                                                <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-right\" >\n                <span>1987<\/span>\n            <\/div>\n        <\/div>\n                            \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item right-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The legal basis for tied insurance (LPP3) comes into force (pillar 3a).<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                    \n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The Occupational Insurance Free Access Act (LFLP) and the provisions promoting access to housing enter into force.<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>1995<\/span>\n            <\/div>\n        <\/div>\n                            \n                                                <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-right\" >\n                <span>1997<\/span>\n            <\/div>\n        <\/div>\n                            \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item right-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The 10th revision of the AVS enters into force.<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                    \n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>The revised Federal Constitution enters into force. The concept of the three pillars is the subject of new rules in the art. 111 (para. 1).<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>2000<\/span>\n            <\/div>\n        <\/div>\n                            \n                                                <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-right\" >\n                <span>2005<\/span>\n            <\/div>\n        <\/div>\n                            \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item right-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>1st revision LPP<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                    \n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>5th AI Revision<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>2006<\/span>\n            <\/div>\n        <\/div>\n                            \n                                                <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-right\" >\n                <span>2012<\/span>\n            <\/div>\n        <\/div>\n                            \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item right-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>Revision 6a AI<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                    \n                \n\n                    <div class=\" bdt-width-1-2@m bdt-timeline-item left-part\">\n\n                        <div class=\"bdt-timeline-item-main-wrapper\">\n                            <div class=\"bdt-timeline-line\">\n                                <span  ><\/span>\n                            <\/div>\n                            <div class=\"bdt-timeline-item-main-container\">\n                                \n                                <div class=\"bdt-timeline-icon\" >\n\n                                    <span>\n\n                                        \n                                    <\/span>\n\n                                <\/div>\n                                        <div class=\"bdt-timeline-item-main\" >\n            <span class=\"bdt-timeline-arrow\"><\/span>\n\n            \n            <div class=\"bdt-timeline-desc bdt-padding\">\n                        <h4 class=\"bdt-timeline-title\">\n                            <span>AVS Reform<\/span>\n                    <\/h4>\n                                                                <\/div>\n        <\/div>\n                                <\/div>\n                        <\/div>\n                    <\/div>\n\n                                                    <div class=\"bdt-timeline-item bdt-width-1-2@m bdt-visible@m\">\n            <div class=\"bdt-timeline-date bdt-text-\" >\n                <span>2022<\/span>\n            <\/div>\n        <\/div>\n                            \n                \n                \n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d93611 elementor-widget elementor-widget-html\" data-id=\"2d93611\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<table class=\"bdt-static-table\">\n\n                            <thead>\n                    <tr>\n                        \n                            <th class=\"bdt-static-column-cell elementor-repeater-item-2804433\">\n                                <div class=\"bdt-static-column-cell-wrap\">\n\n                                    <div class=\"bdt-static-column-cell-text\">Pillar<\/div>\n\n                                    \n                                    \n                                <\/div>\n                            <\/th>\n\n                        \n                            <th class=\"bdt-static-column-cell elementor-repeater-item-e76e142\">\n                                <div class=\"bdt-static-column-cell-wrap\">\n\n                                    <div class=\"bdt-static-column-cell-text\">Content<\/div>\n\n                                    \n                                    \n                                <\/div>\n                            <\/th>\n\n                        \n                            <th class=\"bdt-static-column-cell elementor-repeater-item-6b10902\">\n                                <div class=\"bdt-static-column-cell-wrap\">\n\n                                    <div class=\"bdt-static-column-cell-text\">Insured persons<\/div>\n\n                                    \n                                    \n                                <\/div>\n                            <\/th>\n\n                        \n                            <th class=\"bdt-static-column-cell elementor-repeater-item-bbef2ff\">\n                                <div class=\"bdt-static-column-cell-wrap\">\n\n                                    <div class=\"bdt-static-column-cell-text\">Objectives<\/div>\n\n                                    \n                                    \n                                <\/div>\n                            <\/th>\n\n                                            <\/tr>\n                <\/thead>\n            \n            <tbody>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-fb01850\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">1st Pillar Public Pre-Affecture (federal insurance)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-48f2989\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">AVS: Old and Old Age Insurance AI: PC Disability Insurance: Supplementary Benefits to AVS and IA<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-514d984\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Mandatory: for all persons working or living in Switzerland Optional: for all Swiss living abroad outside the EU\/EFTA<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-2e70b3e\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Meeting the basic needs of life<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-95f8da0\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">2nd pillar Professional provision<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-6b35d07\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">LPP:\n occupational insurance (compulsory LPP supplement) LAA: accident \ninsurance (- supplementary insurance to the LAA) Group sickness benefit \ndaily allowance<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-96c6fb7\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Mandatory:\n LPP and LAA for employees in Switzerland Optional: LPP and LAA for \nself-employed in Switzerland Compulsory LPP supplement for employees and\n self-employed persons in Switzerland<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-c3c25e1\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Ensuring the previous standard of living (for small and middle-income earners)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                                    <tr>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-09e7958\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">3rd pillar Private provision (personal provision)<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-031e414\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">3a: tied forage (tax advantages) 3b: free provision<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-608eed9\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Mandatory:\n no obligation to do so: 3a for assets in Switzerland with income \nsubject to AVS.  3b for all persons in Switzerland and abroad<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                                        <td class=\"bdt-static-body-row-cell elementor-repeater-item-c31e735\">\n\n                                    <div class=\"bdt-static-body-row-cell-wrap\">\n                                        <div class=\"bdt-static-body-row-cell-text\">Additional provision for early retirement or insurance of the previous standard of living for high incomes, etc.<\/div>\n\n                                        \n                                                                            <\/div>\n\n                                <\/td>\n                                            <\/tr>\n                            <\/tbody>\n\n        <\/table>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a052b9 e-flex e-con-boxed e-con e-parent\" data-id=\"2a052b9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03be539 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"03be539\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>LPP supplementary insurance and sickness loss insurance may be concluded by the employer on a voluntary basis for all employees or for some of them according to objective criteria. The entry of employees into the insurance is compulsory when they are part of the circle of insured persons.<\/p><p>Bank savings (including paper-value investments) are also included in the third pillar, as well as the acquisition of property ownership.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef3f03c elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"ef3f03c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reminder of the amounts applicable in 2023\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f36f62 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9f36f62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Minimum AVS\/AI pension:<\/strong>\u00a01225.- or 1\/2 of the maximum AVS\/AI annuity<\/li><li><strong>Maximum AVS\/AI pension:<\/strong>\u00a02450.- or twice the minimum AVS\/AI annuity<\/li><li><strong>Minimum AVS\/AI\/APG contributions for self-employed and without gainful activity:<\/strong>\u00a0514.-<\/li><li><strong>Optional minimum AVS\/AI<\/strong>\u00a0ratio: 980.-<\/li><li><strong>Max. torque AVS waxas:<\/strong>\u00a03675.-<\/li><\/ul><ul><li><strong>Minimum annual LPP wage:<\/strong>\u00a022,050.- or 3\/4 of the maximum AVS\/AI annuity<\/li><li><strong>Coordination deduction LPP:<\/strong>\u00a025,725.- or 7\/8 of the maximum AVS\/AI annuity<\/li><li><strong>Minimum coordinated wage LPP:<\/strong>\u00a03675.-<\/li><li>Maximum coordinated wage LPP: 62\u2019475.-<\/li><li><strong>Upper limit of annual LPP salary:<\/strong>\u00a088\u2019200.-<\/li><\/ul><ul><li><strong>3rd pillar A (3A) with second pillar:<\/strong>\u00a07056.- or 8% of the upper limit LPP (88\u2019200.-)<\/li><li><strong>3rd pillar A (3A) without second pillar:<\/strong>\u00a035\u2019280.- or 40% of the upper limit LPP (88.200.-)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Retirement The Swiss system of insurance in anticipation of old age, death and disability is based on three pillars. It operates with [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1146","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement - uFind<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ufind.ch\/it\/la-pensione\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement - uFind\" \/>\n<meta property=\"og:description\" content=\"Retirement The Swiss system of insurance in anticipation of old age, death and disability is based on three pillars. 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