When does a contribution waiver apply in the pension fund (BVG)?
If an employee becomes unable to work due to illness, accident, or disability, special regulations regarding the obligation to contribute to the pension fund apply. Under certain conditions, entitlement to a contribution waiver exists.
1. Contribution Waiver in Case of Incapacity for Work
If an employee is ill or injured and cannot work, they are exempt from the obligation to pay contributions to the pension fund.
This waiver starts from the date the incapacity is medically confirmed.
The maximum duration is 24 months, depending on the pension plan.
2. Contribution Waiver in Case of Disability
If the incapacity becomes permanent and the employee is recognized as disabled, they are also exempt from the contribution obligation.
This waiver is valid for as long as the disability exists, but not beyond the normal retirement age.
What is regulated in the pension plan?
Details such as:
- Start of contribution waiver
- Duration
- Level of insured risk coverage
Are defined in the employer’s specific pension plan. Please review it individually to understand what applies in your case.
Reporting Incapacity for Work
To activate the contribution waiver, it is important that incapacity is reported in a timely manner. This is done by the employer via our platform (eAbsence):