Voluntary affiliation of individuals


You have the option to conclude voluntary insurance with the Substitute Occupational Benefit Institution. Depending on your personal situation, please choose from the following pension plans, the one who suits best your individual situation.

Next steps


As a self-employed individual, you can take out insurance from the Substitute Occupational Benefit Institution under the SE plan. The contributions and benefits under the SE plan are based on the general regulations and the SE pension plan.

 In order to join the SE plan, please send us the following documents:

You can obtain voluntary insurance under the MA pension plan in the following cases:

  • You work for multiple employers and your annual salary subject to AHV is greater than the BVG minimum salary according to art. 7 BVG
  • You work part-time and are self-employed in your main occupation

The contributions and benefits under the MA plan are based on the general regulations and the MA pension plan. 

In order to join the MA plan, please send us the following documents:

If you leave the mandatory insurance from your previous pension fund, you can continue to be insured voluntarily by the Substitute Occupational Benefit Institution. With the WO20 plan you only continue your savings insurance (no insurance of risk benefits). 

In this case, you need to complete the registration for the WO20 Plan. The contributions and benefits under the WO20 plan are based on the general regulations and the WO20 pension plan.

The Substitute Occupational Benefit Institution must receive your completed and signed registration, along with the required documents, no later than three months after you leave your previous pension fund.

If you leave the mandatory insurance from your previous pension fund, you can continue to be insured voluntarily by the Substitute Occupational Benefit Institution. With the WG20 plan you can continue your entire insurance (savings insurance and insurance of risk benefits). 

In this case, you need to complete the registration for the WG20 plan. The contributions and benefits under the WG20 plan are based on the general regulations and the WG20 pension plan.

The Substitute Occupational Benefit Institution must receive your completed and signed registration, along with the required documents, no later than three months after you leave your previous pension fund.

In the pension plan WR, you may conclude voluntary insurance against the risks of disability and death, if your claim for daily allowances from the unemployment insurance has expired (and therefore you are no longer covered by a mandatory occupational benefit plan for unemployed persons).The contributions and benefits under the WO plan are based on the general regulations and the WO pension plan.

In order to join the WR plan, please send us the following documents:

The Substitute Occupational Benefit Institution LOB must receive the application documents no later than three months after you leave mandatory occupational pension scheme.

In accordance with Art. 47a BVG, you have the option of continuing the full pension scheme under its current conditions if you meet the following criteria:

  • You were previously insured in the AN pension plan of the Substitute Occupational Benefit Institution.
  • Your employment relationship was terminated by the employer or by concluding a termination agreement.
  • Your employment relationship was dissolved on 31 July 2020 or later.
  • You are at least 58 years of age when your employment relationship ends.

In this case, please complete the registration for the ANWG plan. The contributions and benefits are based on the general regulations and the ANWG pension plan.

The Substitute Occupational Benefit Institution must receive your completed and signed registration, along with the required documents, no later than three months after following the end of your employment relationship. If the employment relationship was terminated in 2020, registration must be submitted to the substitute Pension Fund by no later than 31 March 2021.

In accordance with Art. 47a BVG, you have the option of continuing your risk insurance under its current conditions if you meet the following criteria:

  • You were previously insured in pension plan AN of the Substitute Occupational Benefit Institution.
  • Your employment relationship was terminated by the employer or by concluding a termination agreement.
  • Your employment relationship was dissolved on 31 July 2020 or later.
  • You are at least 58 years of age when your employment relationship ends.

In this case, please complete the registration for the ANWR plan. The contributions and benefits are based on the general regulations and the ANWR pension plan.

The Substitute Occupational Benefit Institution must receive your completed and signed registration, along with the required documents, no later than three months following the end of your employment relationship. If the employment relationship was terminated in 2020, registration must be submitted to the substitute Pension Fund by no later than 31 March 2021.

You can conclude voluntary insurance with us for occupational pension provision in the SE plan for the amount of statutory benefits.

You may also do the following:

  • Insure benefits for the income components between the BVG maximum salary and the UVG maximum salary
  • Include the risk of accident in your insurance in case of disability and death

In this case, please enclose the following documents:

Links


Plan Rules

You can find an overview of our regulations here.

Contact


Stiftung Auffangeinrichtung BVG
Zweigstelle Deutschschweiz
8050 Zürich