Stiftung Auffangeinrichtung BVG
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Mission

The Substitute Occupational Benefit Institution is a registered occupational benefits organisation. It was founded in 1983 by the central organisations of employees and employers on behalf of the Federal Government. It employs around 165 people and has regional offices in Lausanne, Bellinzona and Zurich.

Together with the LOB Guarantee Fund, the Substitute Occupational Benefit Institution ensures that the legal minimum benefits are provided for all employees.

The Substitute Occupational Benefit Institution has around 1‘200‘000 beneficiaries/insured and has around CHF 13 billion under management. It is run in accordance with strict business criteria. Profits are distributed in their entirety to the beneficiaries.

The services are divided into four business areas:

1. Vested benefits accounts (FZK)

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  • Management of unclaimed vested benefits.
  • Management of voluntary vested benefits accounts.

2. Occupational benefits (LOB)

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  • Membership for employers who cannot join an occupational benefits scheme.
  • Membership for employers who do not meet their obligation to insure their employees (compulsory membership).
  • Acceptance of individuals who wish to be insured voluntarily under the 2nd pillar, such as:
    • the self-employed;
    • employees who work for more than one employer;
    • employees and the unemployed who leave a compulsory occupational benefits scheme but would like to continue this cover.
  • Provision of the compulsory benefits for an employee or his bereaved family if his employer has failed to join an occupational benefits scheme despite its legal obligation to do so.

3. Risk insurance for the unemployed (ALV)

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  • Compulsory occupational benefits for unemployed persons against the risks of death and invalidity for as long as they are receiving unemployment benefit.
  • Continuation of risk insurance for the unemployed who leave a compulsory occupational benefits scheme but would like to continue this cover (see also "Occupational benefits").

 4. Reinstatement control (WAK)

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  • If an occupational benefits agreement between an occupational benefits organisation and a company is terminated, our office supports the companies in question that have staff who are subject to LOB until they join a new occupational benefits scheme. If an employer with staff who are subject to LOB does not voluntarily join a new occupational benefits scheme promptly, the employer will be subject to compulsory membership of the Substitute Occupational Benefit Institution.

Contact







Stiftung
Auffangeinrichtung BVG
Postfach
8050 Zürich

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