Do you have any questions? Select the appropriate topic, get helpful information or ask us your question. We will be happy to get in touch with you.

To which group do you belong?

Companies
Insured persons
Distribution partners

What do you need help with?

Entry
Termination / Retirement
Incapacity for work
Changes & salaries
ProfondConnect
Ideas, criticism & complaint
Offer
Pension plan adjustment
General questions

What do you need help with?

New to Profond
Termination
ProfondConnect
Transfer of PF assets
Incapacity for work
Retirement & pension
Death
Partnership & marriage
Divorce
Pension certificate
Purchase
Home ownership
Self-employment
Ideas, criticism & complaint
General questions
Change of address

What do you need help with?

Offer
ProfondConnect
Schedule an appointment
Courses
Key figures
General questions
Ideas, criticism & complaint

Change of address

How can I change my address?

Notify us of your new address directly in our ProfondConnect portal for insured persons: in the menu under "Change details – Change of address". 

Have you registered in ProfondConnect yet? You will find a registration guide here.  

If you do not have access to ProfondConnect, report your new address to your employer.  

ProfondConnect login

Termination

I'm switching to a new employer. What do I have to do?

Are you switching to a new employer and are therefore no longer insured with Profond? This is what you need to do: 

  • Inform Profond about your new employer and the new pension fund by using the form "payment details for vested benefits".
  • If available, enclose the payment slip of the new pension fund. 
Emigration to an EU/EFTA State. How can I obtain my pension funds?

If you are moving away from Switzerland, you can withdraw money from your pension fund.  

Non-compulsory part 
The non-compulsory part of the vested benefits can be paid out in cash. For the payment, please send us the following information by post:

  • Completed form "vested benefits transfer payment details"
  • Additional documents as specified on the form

Statutory part of the vested benefits  
The statutory part of the vested benefits (retirement assets in accordance with the BVG) remains in Switzerland. Please provide us with a vested benefits institution of your choice on the form.  

Special rules 
If you are not subject to the compulsory social security obligation in your new state of residence, you can request the cash payment of the entire vested benefits. The required form can be found on the website of the LOB Guarantee Fund. 

Website LOB Guarantee Fund
Emigration to a third country. How can I obtain my pension funds?

If you take up residence outside the EU/EFTA and are not obligatorily insured within the EU/EFTA, you can receive the entire vested benefits in cash. For the payment, please send us the following information by post:

  • Completed form "vested benefits transfer payment details"
  • Additional documents as specified on the form 
I was insured with Profond some time ago. How do I get my pension funds?

If we have not received any information about the transfer of your vested benefits six months after your termination, these will be transferred (based on the Vested Benefits Act) to the LOB Guarantee Fund: 

Website LOB Guarantee Fund

General questions

How can I register my life partner with Profond?

Report your life partnership to us by filling out the “Notification of cohabitation” form and sending us via the contact form in ProfondConnect.

You can find all information about the recognition of your life partnership at:

Marriage and partnership
Ich habe Fragen zur Pensionskasse. Können Sie mich beraten?

I have questions about the pension fund. Can you advise me?

As a pension fund, we may only inform, but not advise on financial matters. Depending on the questions you have, please contact your financial advisor or the BVG Information Association.

Website BVG Information Association
I would like to order an up-to-date pension certificat

You can download the pension certificate (also as of the effective date) in ProfondConnect or order it by post for a fee. More information and the order form (scroll down a little bit) can be found here: 

How to obtain your pension certificate
I made voluntary contributions/purchases. Where and how can I get the confirmation for the tax return?

After you have made your purchase, you will receive a confirmation in your notifications in ProfondConnect with the name "Certificate of pension contributions".  

Can I also receive/send back the form stating that I am still alive digitally in the future?

No, the “Proof of Life and Marital Status” form is sent exclusively by post, as the original is necessary for official confirmation.  

Welche Auswirkungen hat eine berufliche Auszeit auf meine berufliche Vorsorge?

Wenn Sie eine berufliche Auszeit nehmen, endet Ihr Vorsorgeverhältnis bei Profond rückwirkend auf den letzten Monat, in dem letztmalig ein Lohn erzielt wurde. Ab dem ersten Tag des Folgemonats beginnt eine einmonatige Nachdeckungsfrist, während der Sie weiterhin gegen die Risiken Invalidität und Tod versichert sind. Nach Ablauf dieser Frist besteht kein Versicherungsschutz mehr – weder bei unbezahltem Urlaub noch bei einer sonstigen beruflichen Auszeit.

New to Profond

What do I have to do to transfer my pension funds to Profond?

Create the corresponding QR payment slip directly in our ProfondConnect insured portal and send it to your previous pension fund. You can find the function under “Overview – Payment slip for vested benefits”. You will receive the access code for ProfondConnect by post. 

Alternatively, your new employer can provide you with the Profond account number.  

Login ProfondConnect
My ProfondConnect access code has expired. Where can I order a new one?

You can order a new activation code here: 

Requesting a ProfondConnect login

Pension certificate

I would like to order an up-to-date pension certificate.

You can download the pension certificate in ProfondConnect or order it by post for a fee. More information and the order form (scroll down a little bit) can be found here: 

How to obtain your pension certificate
How do I receive a pension certificate for a specific date?

At the beginning of the year, all working persons insured with Profond will receive their pension certificate in ProfondConnect. If you need an earlier pension certificate or if there were changes to your deposits/data, you can request a pension certificate at any time as of the effective date. You can generate this in ProfondConnect or order it by post for a fee. More information and the order form (scroll down a little bit) can be found here: 

How to obtain your pension certificate
I have a power of attorney for an insured person. How do I have to proceed to receive their pension certificate?

Pension certificates are only provided to insured persons. You can download the pension certificate in ProfondConnect or order it by post for a fee. More information and the order form (scroll down a little bit) can be found here:

More information

ProfondConnect

My access code has expired.

You can order a new access code here: 

Requesting a ProfondConnect login
I have changed my phone number and can no longer log in. What do I have to do?

Proceed as follows:

  • Login with e-mail and password as usual
  • Then click on "Report loss/change of my device"
  • Select and confirm selection “Remove all multi-factor authentication completely”

You will then receive a new activation disc by post and you can save a new phone number for two-factor authentication.  

I have a new e-mail address. What do I have to do?

As usual, you can log in with the old e-mail address and then change it in your user profile in ProfondConnect.  

To the guide

Pension

I'm about to retire. Where can I find the amount of my pension?

This can be found on your pension certificate. You can download the pension certificate in ProfondConnect or order it by post for a fee. More information and the order form (scroll down a little bit) can be found here: 

How to obtain your pension certificate

In ProfondConnect, you can also simulate various scenarios for your retirement. You can find the function in the insured portal of ProfondConnect under "Simulations – Retirement". 

I am drawing a retirement pension: how do I get the pension certificate?

If you are drawing a retirement pension, you will no longer receive a pension certificate, but a pension card (for your taxes). You will receive this by post at the beginning of the year. You can re-order the pension card by e-mail via leistungen(at)profond(.)ch. 

My retirement is imminent – can you advise me?

Information on retirement can be found here:

Retirement

As a pension fund, we may only inform, but not advise on financial matters. Depending on the questions you have, please contact your financial advisor or the BVG Information Association.

Website BVG Information Association
How do I change the account into which my pension is paid?

In the event of an account change, we need a written notification of the new bank details. You can send them to us by post or by e-mail to leistungen@profond.ch.   

A relative who is insured with Profond has died. Do I have to send a death confirmation?

You can report the death to us by e-mail to leistungen(at)profond(.)ch. After that, we will send you a letter indicating all the documents we need from you.  

A relative who is insured with Profond has died. How do I get the pension certificate for the tax return?

The pension certificate is automatically created in the event of death and sent to the surviving dependants. You can order a copy by e-mail to leistungen(at)profond(.)ch. 

Divorce

How do I obtain the Feasibility Declaration?

To do so, fill out the form ""Questionnaire allocation of vested benefits in the case of divorce" and submit it to the person responsible for you in pension support.

Where can I find the amount of my retirement assets on the date of the marriage?

You can find this amount on your pension certificate on the second page under "Additional information - Vested benefits in the event of marriage".

You can download your current pension certificate in ProfondConnect or order it by post for a fee. More information and the order form (scroll down a little bit) can be found here: 

How to obtain your pension certificate

Death

A relative who is insured with Profond has died. Do I have to send a death confirmation?

You can report the death to us by e-mail to leistungen(at)profond(.)ch. After that, we will send you a letter indicating all the documents we need from you.

A relative who is insured with Profond has died. How do I obtain the pension certificate for the tax return?

The pension certificate is automatically created in the event of death and sent to the surviving dependants. A copy can be ordered by e-mail to @email.

I'm drawing a retirement pension. Is there a right to a death benefit if I die?

In the event of death within the first three years of becoming a pensioner a decreasing lump sum payable at death will be paid out to the surviving dependants.

All details can be found in the Pension Fund Regulations Art. 17(2).

Home ownership

Where can I see how much capital I have in the 2nd pillar that I could use for home ownership?

You can find this amount on your pension certificate under additional information – Maximum possible withdrawal for home ownership.

You can download the pension certificate in ProfondConnect or order it by post for a fee. More information and the order form (scroll down a little bit) can be found here: 

How to obtain your pension certificate
Can I use the capital for home ownership in other countries?

Yes, provided you use the residential property yourself and this is your main residence. 

What should I do to repay the early withdrawal for home ownership?

You can deposit the amount with the note “Repayment home ownership promotion”. The bank details can be found in ProfondConnect. 

Allgemeine Fragen

What is a Staff Pension Fund Commission?

The Staff Pension Fund Commission represents the interests of all insured persons in its company. For example, it ensures that the pension plans of Profond are optimally adapted to the needs of employees and the employer and that these people are carefully informed and advised.

The Staff Pension Fund Commission comprises at least one representative each of employees and the employer. If the Staff Pension Fund Commission is composed of more than two members, employees and employers must always be represented equally.

Wie kann ich meine Adresse ändern?

Melden Sie uns Ihre neue Adresse direkt in unserem Versichertenportal ProfondConnect über den Menüpunkt «Mutation – Adressänderung».

Was muss ich tun, wenn ich nach einem Austritt keine neue Stelle antrete?

Wenn Sie nach dem Austritt aus der Pensionskasse keine neue Stelle antreten, dann eröffnen Sie idealerweise ein Freizügigkeitskonto bei einer Bank Ihrer Wahl oder schliessen eine Freizügigkeitspolice bei einer Versicherung Ihrer Wahl ab. 
Schicken Sie uns danach das ausgefüllte Formular «Zahlungsangaben für meine Austrittsleistung». Sobald wir dieses erhalten haben, werden wir Ihre Austrittsleistung überweisen.

Weitere Informationen
Welche Auswirkungen hat eine berufliche Auszeit auf meine berufliche Vorsorge?

Wenn Sie eine berufliche Auszeit nehmen, endet Ihr Vorsorgeverhältnis bei Profond rückwirkend auf den letzten Monat, in dem letztmalig ein Lohn erzielt wurde. Ab dem ersten Tag des Folgemonats beginnt eine einmonatige Nachdeckungsfrist, während der Sie weiterhin gegen die Risiken Invalidität und Tod versichert sind. Nach Ablauf dieser Frist besteht kein Versicherungsschutz mehr – weder bei unbezahltem Urlaub noch bei einer sonstigen beruflichen Auszeit.

Weitere Informationen und welche Möglichkeiten Sie haben, Ihre Vorsorge während einer Auszeit fortzuführen.
Kann ich meine Versicherung bei Profond während einer Arbeitspause weiterführen?

Sie können sich mit einer externen Mitgliedschaft unabhängig von Ihrem Alter weiter versichern, wenn Sie das Arbeitsverhältnis mit Ihrem Arbeitgeber aufgelöst haben und zum Zeitpunkt der Auflösung vollständig arbeitsfähig waren. 

Weitere Informationen
Wo finde ich noch weitere nützliche Informationen rund um das Vorsorgesystem in der Schweiz?
Ich war vor einiger Zeit bei Profond versichert. Wie komme ich an mein Vorsorgeguthaben?

Haben wir sechs Monate nach Ihrem Austritt keine Angaben zur Überweisung Ihrer Austrittsleistung erhalten, wird überweisen wir diese (gestützt auf das Freizügigkeitsgesetz) an die Auffangeinrichtung BVG überwiesen.

Suche nach Guthaben aus der beruflichen Vorsorge
Was muss ich tun, damit meine Vorsorgegelder an Profond überwiesen werden?

Sobald der Arbeitgeber Sie bei Profond anmeldet, werden Sie einen Zugangscode für die Registrierung des Online-Portals erhalten. Sobald Sie Zugriff haben, finden Sie unter «Mitteilungen» den personalisierten Einzahlungsschein, welchen Sie der vorhergehenden Pensionskasse übergeben können, um den Transfer Ihres Vorsorgeguthabens an Profond in die Wege zu leiten. 

«Thank you for taking the time to provide feedback – whether it’s an idea, a criticism or a complaint, we appreciate your response.»

Changing pension funds

What do I need to know when changing pension funds?

General information

Changing your pension fund needs to be well prepared and organised. This includes timely and transparent information for employees and their active participation in the decision-making process.

Before you start the change process, consider the following:

  • A good pension solution: A good solution ideally covers the needs of both employees and employers. However, there is no one perfect solution for everyone, but different options that always include compromises.
  • Using a broker: A broker can help with the selection process. You can find an overview of the sales partners Profond works with here.

The change process involves the following steps:

  • Organisation: Depending on the size of your company, it is advisable to set up a working group for the change process, made up of employer and employee representatives.
  • Information: The working group will inform employees of the intention to change and the cooperation procedure.
  • Criteria and offers: The working group will determine the criteria for the selection of a new pension fund and seeks offers.
  • Information session: The working group will present the various options, including their advantages and disadvantages, to your employees.
  • Obtaining consent: The working group will seek the consent of the employees.

Shortening the deadline

For a change to be possible, your contract needs to be terminated by the end of the year. The notice period normally ends on 30 June. This means that you should lodge a request with your current pension fund to shorten the deadline, so that you have until 30 September for termination.

Requesting an offer in four steps

In each case, we check thoroughly whether an employer who wishes to switch to Profond is a good fit for us. This will protect our existing clients and insured persons. To carry out this audit, we need confidential documents from the interested companies.

So that we can review your request and make you an offer, if necessary, please follow the step-by-step instructions below.

1. Check whether your company is a good fit for Profond

  • Your company employs at least 50 people.
  • Its registered office is in Switzerland.
  • Your company is registered in the commercial register Central Business Name Index.

Companies from the following sectors are excluded:  

  • Hospitality (hotels, restaurants, cafés, etc.)
  • Housekeeping (domestic workers)
  • Agriculture and forestry
  • Taxis
  • Massage salons
  • The defence industry

2. Notice period

Check the notice period of your current pension fund (usually 6 months before the contract expires) and make sure that a change can take place at all. If necessary, make a request to your current pension fund to shorten the notice period, so that you have until 30 September for the termination.

3. Compile the documents required

  • The existing affiliation agreement with your current pension fund
  • Your current pension plans
  • A personnel list with the following information:
    • SC number (formerly the AHV No.)
    • Date of birth
    • Marital status
    • Workload
    • AHV salary
  • Any loss compensation with details of the last 5 years
  • List of benefits
  • The retirement assets of your insured persons, divided into mandatory and non-mandatory
  • If you have a daily sickness allowance insurer, we will need their policy number.

The aforementioned documents can usually be found here:

  • You can request the list of benefits, the retirement assets of your insured persons and the loss compensation from your current pension fund. Please send your current pension fund a request to send the tender documents directly to vertrieb@profond.ch in an encrypted e-mail.
  • You should already have the pension plans and affiliation agreements. If not, you can also request them from your pension fund.

For newly founded companies without an existing pension fund, we only need the personnel list.

4. Send the documents required to the following address: vertrieb@profond.ch. Do not forget to send us a second e-mail with the same subject line and the password you use for the documents.

Please note that there is no entitlement to an offer from Profond, even if your company meets all of the criteria mentioned and you have submitted all of the documents necessary. We reserve the right to refuse to issue an offer without stating reasons.

Termination

If you are satisfied with our offer and have signed it, we will issue you a confirmation of cover. After that, you can terminate your current pension fund.

Self-check: Have you thought of everything?

  • Is your company a GmbH or AG?
  • Are the headquarters in Switzerland?
  • Does your company have at least 50 employees?
  • Have you put together all of the documents necessary?
  • Can the existing contract be terminated?

If you can answer these questions with “yes”, send the collected documents to vertrieb@profond.ch. 
We look forward to hearing from you.Allgemeine Informationen

What pension plans does Profond offer?

The Profond Pension Fund offers companies individual pension solutions that are tailored to the specific needs and structures of the respective company. Instead of standardised plans, Profond enables pension plans to be designed flexibly. This allows companies to, for example:

  • Increase savings contributions for their employees.
  • Define and combine different pension plans.
  • Define individual salary definitions for savings and risk insurance.
  • Write to us for more information or get an offer (scroll down to the point: Ask for an offer).
Does Profond also offer other insurance and/or financial products?

No, Profond is not a classic insurance company, but an independent collective foundation. The focus is exclusively on occupational retirement benefits.

Our company is already insured with Profond and we would like to adjust our pension plan. What is the best way to proceed?

Adjustments or changes to the plans are made through the responsible Key Account Manager. If a broker is acting as an intermediary, the request must be made via this broker so that he can obtain the corresponding offer from Profond.

Entry

When do new employees need to be registered for occupational retirement benefits?

As an employer, you must report new arrivals within 30 days of the start of their contract to the occupational retirement benefits fund via our online portal ProfondConnect.

How do I register new employees with Profond?

You can register the new arrival of an employee in ProfondConnect under “Contributing members”/“Admission of a contributing member” in the menu.

From when will new employees be insured with Profond?

Persons who join your company up to and on the 15th of a month will be included in the staff pension scheme at the beginning of the same month. If admitted from the 16th of a month, the person to be insured will be included in the staff pension scheme on the first day of the following month.

I did not register the admission of a new employee in time. Can I make up for that?

It is possible to register an admission retroactively for up to 1 year via the online portal ProfondConnect. If the admission took place more than 1 year ago, we will have to take care of the admission registration for you. Please provide us with all necessary information. 

Austritt / Pensionierung

When does an employee have to be removed from the occupational retirement benefits?

Employees must be removed from the occupational retirement benefits by you as an employer if the employment relationship ends or the entry threshold is no longer reached in accordance with the pension plan. It is also necessary to remove an employee in the event of early retirement.

How do I report the termination of an employee?

Please notify us of the termination via the ProfondConnect online portal. Before termination, check the address of the insured person under “Management of insured persons” (Details of insured persons) in the menu and, if necessary, carry out any changes of address before the termination.

If you do not know your former employee’s new pension fund, you can notify us of the termination without this information. We will contact the insured person directly.

By when do I have to report the termination of employees?

In principle, as an employer, you are obliged to report the termination as soon as possible so that the documents relating to the termination can be made available to the person concerned. 

When does the insurance at Profond end after termination?

Employees who leave your company up to and on the 15th day of a month will leave the pension scheme at the end of the previous month. In the event of termination from the 16th  day of a month, pension provision is terminated at the end of the current month.

What happens to vested benefits after a termination?

In the event of a change of job, Profond transfers the vested benefits to the new pension fund. As an employer, you can easily report the termination via ProfondConnect. Support your employees in their next steps following a termination with our information sheets.

What should I do in the event of the termination of employees who are unable to work?

You can report the termination as usual via ProfondConnect. If you specify that the employee is unable to work, this information will be stored in the system and we will request notification of incapacity to work from you. As long as an exemption from contributions exists, the termination cannot be processed fully. 

From the employer's point of view, what must be observed in the event of ordinary retirement?

You do not have to do anything if employees are taking ordinary retirement (see retirement information sheet). As we know the retirement date, we will contact the person concerned 4 to 6 months in advance to make all the necessary arrangements.

From an employer's point of view, what should be considered in the event of early retirement?

In the event of early retirement, please notify us of the planned termination as soon as you become aware of it via ProfondConnect (via Management of insured persons – Retirement). This gives the insured person sufficient time to submit all the necessary forms to us:

  • “Details of your retirement”
  • “Request for lump sum payment of retirement benefits”
  • Necessary enclosures in the event of a lump sum withdrawal (official certification of the spouse or proof of marital status (single, divorced, widowed))
From the employer's point of view, what should be considered in the event of partial retirement?

As soon as partial retirement has been reported via ProfondConnect and subsequently processed, the employer must check whether the salary is correctly recorded. In addition, care must be taken to adjust the deduction for the PF contribution accordingly due to the salary reduction. 

From the employer's point of view, what should be considered in the event of a later (deferred) retirement?

Please notify us of a retirement deferral via ProfondConnect (via Management of insured persons – Register flexible retirement). No further risk contributions will be charged for continuing insurance.

Incapacity to work

When must incapacity to work be reported?

We ask you to report any incapacity to work – due to an accident or illness – at the latest after 30 days. 

How do I report incapacity to work?

Enter the incapacity to work in the ProfondConnect online portal (via Management of insured persons / Incapacity to work). There you can enter all information such as medical certificates and/or daily allowance statements directly and upload associated documents.

After the notification of incapacity to work, the case will be processed by Profond. You as a company and the insured person will then receive a confirmation in your messages in ProfondConnect. The confirmation contains detailed information such as information on incapacity to work, exemption from contributions or amounts invoiced. A detailed description of the report can be found here.

What benefits does Profond offer in the event of incapacity to work?

If an employee is unable to work due to illness or accident, entitlements may arise from various insurance policies: for example daily allowance or pension benefits as well as exemption from contributions to the pension fund. It is important that the entitlements are registered by you as an employer in good time. Late reporting may lead to a reduction or even loss of benefits (see Information sheet on benefits in the event of  incapacity for work).

Exemption from contributions in the event of incapacity to work
After the waiting period stipulated in the pension plan, employers and employees are entitled to an exemption from contributions within the scope of the proportionate incapacity to work expressed in per cent in the event of incapacity to work. If no waiting period is stipulated in the Pension Plan, a waiting period of six months applies.

Notification in ProfondConnect
Please report any incapacity to work due to accident or illness at the latest after 30 days of absence in the online portal ProfondConnect. There you can enter all the information and upload documents.

Profond Care
In the event of prolonged incapacity to work, our case management will assist you. Profond Care helps with questions concerning health, work, insurance and reintegration.

For more information, please refer to the Information sheet on benefits in the event of  incapacity for work and this link to Profond Care.

When does the exemption from contributions start in the event of incapacity to work?

Exemption from contributions begins after the waiting period specified in the pension plan. During this period, employers and employees must continue to pay contributions. If there is no indication of the waiting period in the pension plan, a period of six months applies automatically.

When calculating the waiting period, we add together all of days on which the person concerned is partially or completely unable to work. Days on which they are fully capable of working again (known as fluctuation days) interrupt the period and postpone the start of the exemption from contributions.

For exemption from contributions during incapacity to work, please send us current medical certificates or daily allowance statements to @email.

What is Profond Care and how does it support companies?

Profond Care supports companies quickly and without red tape if employees are unable to work due to illness or accident or could soon become incapacitated. The aim is to assist the persons concerned at an early stage and coordinate appropriate measures so that they can return to work as quickly as possible – to the benefit of all parties involved.

 

Click here for more information.
Are there any additional costs for using Profond Care?

Profond Care is free of charge for affiliated companies.

ProfondConnect

How can I give my sales partner access to ProfondConnect?

If the occupational retirement benefits are supervised by an insurance broker, you can grant this broker access to your company portal. All you need to do is provide the first and last name and e-mail address of your broker.

You can add the information in the user settings under “Delete/register user”. This person will then be informed via e-mail that they have been given access and can log in with their own login details.

Where can I find help with ProfondConnect?

Mutationen & Löhne

What changes must be reported to the pension fund?

On ProfondConnect, you can send the changes and notifications listed below within “Management of insured persons”:

  • Change of address (can also be reported by the insured persons themselves via the insured person portal of ProfondConnect)
  • Incapacity to work
  • Termination notification
  • Contribution calculation
  • Salary change
  • Retirement
  • Change of person details
  • Change of plan
  • Notification of death
  • Unpaid leave
  • Insured person’s details
  • Season break
  • Change in marital status
  • Flexible retirement
How can I make adjustments to my employees (e.g. salary, level of employment, address, marital status, incapacity to work, etc.)?

Please enter changes in the ProfondConnect online portal. To do so, select the person concerned from the list in the “Management of insured persons” section. Then click on the three-point menu at the far right of the row or right-click on the row to select the action you want.

How do I report salaries via ProfondConnect?
  • Report individual salary changes via the menu items ‘Insured persons’ / ‘Insured persons management’ and right-click on the relevant person
  • Report salary changes during the year for several people at the same time via the menu items ‘Salary’ / ‘Salary change during the year’ and enter the new salaries in the list displayed
  • You can enter the salary reports for a new year under “Salary” / ‘Salary report at the beginning of the year’
How do I report the salaries of part-time employees?

Please report the part-time salary according to the agreed level of employment. Do not calculate the salary on the basis of a 100% workload.
Example: If the annual salary for a 100% workload is CHF 100'000, but the actual workload is 80%, then an annual salary of CHF 80'000 must be reported.

How do I report the salary for someone who joins or leaves during the year?

Please calculate the salary for a full year by multiplying it by twelve or thirteen. Never report a pro-rata salary, even if the insured person joins or leaves in the middle of the year, for example.

How do I report salary adjustments for employees on hourly wages?

Please report salary adjustments as soon as possible, stating the relevant date. If you only notice afterwards that employees have worked fewer or more hours and therefore earned less or more annual salary, please also report this to us as soon as possible. Again, always give us the annual salary and never the monthly salary.

How do I report occasional salary components (bonus payments)?

Occasional salary components are only taken into account if they are regulated in the pension plan. In this context, ‘occasional salary components’ refers only to bonuses (gratuities, loyalty and performance bonuses). Other occasional salary components are not taken into account. These occasional salary components are added to the annual salary. 

Example: An annual salary of CHF 100'000 and an occasional bonus payment of CHF 20'000 results in an annual salary of CHF 120'000.

How do I correctly record unpaid leave?

Please report the unpaid leave with the duration and selected insurance option via the menu items ‘Insured persons’ / ‘Insured persons management’ and right-click on the relevant person. There is no need to adjust the reported salary, as the unpaid leave refers to the actual annual salary.

How should changes in salary during the year be reported correctly?

Changes in salary during the year must be recorded in the "Management of insured persons" section of the ProfondConnect online portal. Adjustments affecting the total number of insured persons can also be made via ProfondConnect, but in this case via the menu "Salaries" / "Salary change during the year". It should be noted that in this case all employees will receive a new pension certificate.

General questions

What is a Staff Pension Fund Commission?

The Staff Pension Fund Commission represents the interests of all insured persons in its company. For example, it ensures that the pension plans of Profond are optimally adapted to the needs of employees and the employer and that these people are carefully informed and advised.

The Staff Pension Fund Commission comprises at least one representative each of employees and the employer. If the Staff Pension Fund Commission is composed of more than two members, employees and employers must always be represented equally.

Who can become a member of the Staff Pension Fund Commission?

The employees elect their representatives from among the insured persons. Members of the Executive Board cannot be elected as employee representatives. Otherwise, there are no requirements as to who can and cannot be elected as employee representatives. You can specify the criteria yourself. We recommend the following:

  • permanent employment
  • ongoing employment relationship
  • In principle, there is no time limit on the period of office. However, we recommend a four-year limit; after that, the members can stand for re-election.
What information sessions and/or further training does Profond offer for members of the Staff Pension Fund Commission?

Profond regularly offers information sessions in German and French on occupational retirement benefits for members of the Staff Pension Fund Commissions. This basic course gives participants an in-depth insight into the most important aspects of  the 2nd pillar. Expert speakers convey the necessary expertise and answer individual questions from the field. 

The latest data for the next Staff Pension Fund Commission training sessions can be found here.
Where can I find further useful information about pension provision in Switzerland?

For comprehensive information on Swiss pension provision, the following resources are available:

  • At www.profond.ch/start you will get an overview of the 1st, 2nd and 3rd  pillars – how they work and how they differ.
  • Federal Social Insurance Office, Switzerland (FSIO): Here you will find detailed explanations about the three-pillar system of old-age, survivors' and disability insurance.
  • ch.ch: The official portal of the Swiss authorities provides specific information on the calculation of pensions and AHV contributions.
How do I report the death of an employee?

We kindly ask you to immediately report the death of an employee via ProfondConnect and to fill in the Notification of death” form. Send it to us together with the following documents, if available, so that we can contact the surviving dependants directly:

  • Copy of official death certificate
  • Copy of the family booklet (including children’s details)
  • Addresses of surviving dependants (or their representatives)
  • Supplementary salary benefit in accordance with Art. 338 para. 2 OR (for a temporary, continued payment of wages to surviving dependants)
Where can I find help with ProfondConnect?
Our company is already insured with Profond and we would like to adjust our pension plan. What is the best way to proceed?

Adjustments or changes to the plans are made through the responsible Key Account Manager. If a broker is acting as an intermediary, the request must be made via this broker so that he can obtain the corresponding offer from Profond.

 

 

 

What happens to vested benefits after a termination?

In the event of a change of job, Profond transfers the vested benefits to the new pension fund. As an employer, you can easily report the termination via ProfondConnect. Support your employees in their next steps following a termination with our information sheets.

How do I report salaries via ProfondConnect?

- Report individual salary changes via the menu items ‘Insured persons’ / ‘Insured persons management’ and right-click on the relevant person
- Report salary changes during the year for several people at the same time via the menu items ‘Salary’ / ‘Salary change during the year’ and enter the new salaries in the list displayed
-      You can enter the salary reports for a new year under “Salary” / ‘Salary report at the beginning of the year’

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General questions

Are there training courses or further training for sales partners?

Various training courses are available for sales partners in German and French. The current training sessions relating to the 2nd  pillar can be found under Profond Academy.

Our BVG training programme is characterised by the following special features:

  • From SME for SMEs: Training on an equal footing.
  • Cost coverage: As a foundation, we operate on a non-profit basis.
  • Innovation: Whether it’s our investment strategy, benefits or service – we are committed to progress.
How can I work with Profond as a sales partner?
How can I request access to my clients' ProfondConnect?

As a sales partner, you have access to the ProfondConnect partner portal. From your account in the partner portal, you can also access your client’s user account as soon as your client enables you to access it. You then automatically gain access to all relevant data and have the same change and calculation options as your client. You can switch from one user account to another using the quick selection (drop-down list) in the title bar.

For data protection reasons, access to your client's user account must be granted by the client themselves at "ProfondConnect". All they need is your first and last name as well as your e-mail address. They can add your login details in the user settings under “Delete/register user”.

Where can I find help with ProfondConnect?

The full instructions for ProfondConnect can be found in the manual.

«Thank you for taking the time to provide feedback – whether it’s an idea, a criticism or a complaint, we appreciate your response.»

How can we help you?

We will be happy to provide you with a quote for 50 or more insured persons.

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We will be happy to provide you with a quote for 50 or more insured persons.

What makes good customer support?

Watch the video with Marco Reinhard, Head of Customer Support, to find out why good advice is more than just providing information.