ANobAG Insurance Package Including the Pension Fund (BVG)
We deliver straightforward solutions covering the ANobAG Pension Fund, daily sickness allowance, accident insurance, and payroll—always efficient, secure, and carefully aligned with your needs. By tapping into multiple insurance providers, we tailor an insurance package that genuinely works best for you.
Pension Fund for ANobAG
Daily Sickness Allowance for ANobAG
Accident Insurance for ANobAG
Pension Fund for ANobAG
Daily Sickness Allowance for ANobAG
Accident Insurance for ANobAG
The ANobAG Pension Fund Challenge
Within Switzerland, employees without a Swiss-based, contributing employer must join a mandatory Swiss pension fund that’s compatible with ANobAG requirements. But that can be tricky because:
1. Very few pension funds offer specific solutions for ANobAG workers.
2. Many providers lack the practical know-how needed to craft legally compliant setups for cross-border employment—often causing tension with the authorities.
Our team specializes in helping you meet the necessary pension fund contribution requirements, drawing on various pension funds and insurers. If you like, we can handle all administrative duties and offer a payroll service, so you can focus on work rather than red tape.
You might be wondering how the system works concerning the BVG (Occupational Pension Fund) and what special considerations need to be taken into account. In this article, we explore these crucial details and highlight what ANobAGs should keep in mind when planning their retirement strategy.
What Is ANobAG?
ANobAG stands for “Arbeitnehmer ohne beitragspflichtigen Arbeitgeber,” which translates to “employee without a contribution-paying employer.” It refers to a Swiss worker whose company is located abroad (i.e., not established in Switzerland), yet Swiss social security law still applies. Despite the employer’s international location, these employees remain obligated to follow Swiss insurance and pension guidelines.
ANobAG and the Pension Fund (BVG) – Key Differences
Rules around the ANobAG Pension Fund vary, largely depending on whether the foreign employer is based in a non-EU/EFTA state or within the EU/EFTA.
Genuine ANobAG – Employers from Non-EU/EFTA States (Third Countries)
A “genuine ANobAG” arrangement arises if you’re a Swiss resident employed by a company outside the EU/EFTA. In these cases, the employer isn’t required to pay Swiss social security contributions. Consequently, the ANobAG must register with a Swiss compensation office (Ausgleichskasse) and fully cover both employer and employee shares of social security.
The compensation office is a decentralized agency of the Swiss AHV (state pension) that handles administration and collects contributions.
Non-Genuine ANobAG – Employers from EU/EFTA States
Switzerland maintains social security agreements with EU/EFTA countries, which generally obligate those employers to pay Swiss AHV and provide accident insurance. The simplest path is registering with a Swiss compensation office and arranging an insurance package that includes all the essential coverages.
That said, the employer isn’t forced to register; if it chooses not to, the employee must sign up as an ANobAG in Switzerland and pay the full social security contributions. Even so, the employer retains ultimate responsibility for its share and typically adds that sum on top of the employee’s wage.
If a foreign employer skips compensation office registration, it still needs to notify the compensation office about any agreement with the employee—ensuring the employee fulfills all Swiss social insurance obligations.
ANobAG Pension Fund Contributions
As we’ve outlined, the ANobAG Pension Fund framework hinges on where the foreign employer is located:
Non-Genuine ANobAGs remain subject to the BVG (Occupational Pension Fund) as if they were employed by a Swiss company. Yet not every insurer is equipped to handle pension provisions for ANobAG employees, which can complicate matters.
Ready to streamline your ANobAG setup?
Our experienced team can guide you on daily sickness allowance, the ANobAG Pension Fund, accident insurance, and every other aspect of your insurance package. Schedule a free call with our experts to secure a complete, compliant solution that meets all ANobAG requirements.
FAQ
What role does the compensation office (Ausgleichskasse) play for ANobAGs?
It processes and supervises AHV contributions. ANobAGs have to register with the office to ensure social security payments are properly managed.
What is the three-pillar system of retirement provision in Switzerland?
- First Pillar: State pension (AHV/IV) covering basic needs, supplemented by additional benefits.
- Second Pillar: The occupational pension (BVG), financed by employers and employees to maintain the employee’s lifestyle.
- Third Pillar: Private pension savings (voluntary), split into tax-privileged (3a) and flexible (3b) components.
How can ANobAGs close potential retirement gaps?
They can invest in the third pillar or make extra contributions to their pension fund (BVG). These measures help improve financial security in retirement.
Get in touch now, we are happy to assist you!
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