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Glossary

BVG Entry Threshold

The BVG Entry Threshold is the minimum annual salary that employees must earn with a single employer to be subject to compulsory BVG coverage. Those who earn below this amount are not compulsorily insured in the 2nd Pillar, but may opt in voluntarily. The Federal Council adjusts the amount periodically.

At a glance

01

The entry threshold is governed by BVG Art. 2 para. 1; the Federal Council adjusts the CHF amount periodically in line with AHV pensions.

02

Part-time employees combining multiple positions may fall below the threshold at each individual employer and are therefore excluded from compulsory coverage.

03

Employers may waive the entry threshold in their regulations and insure all employees, providing a supra-mandatory solution.

Frequently asked questions

If your annual income with a single employer falls below the statutory entry threshold, you are not compulsorily insured in occupational pension. This creates a gap in the 2nd Pillar. Voluntary insurance through a substitute institution (Auffangeinrichtung) is possible. Part-time workers or those with several small positions are particularly affected.

Part of the topic

Vorsorge & Pensionierung

Sources: Bundesamt für Sozialversicherungen (BSV) · Systematische Rechtssammlung (fedlex)