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Glossary

Supra-Mandatory Benefits (BVG)

Supra-Mandatory Benefits (BVG) refers to the benefits and contribution portions of occupational pension that exceed the statutory BVG minimum. Pension funds may set out higher insured salaries, lower Coordination Deductions, or more favourable Conversion Rates for supra-mandatory portions in their regulations. Supra-mandatory assets are subject to less stringent statutory requirements.

At a glance

01

In the supra-mandatory segment, employers are free to offer more favourable terms (higher interest, better risk benefits) than the BVG minimum requires.

02

Salary portions above the BVG maximum salary (upper salary limit under BVG Art. 8) can only be insured on a supra-mandatory basis.

03

When comparing pension funds, it is important to assess how large the supra-mandatory portion is and what conditions apply to it.

Frequently asked questions

Your pension certificate generally shows mandatory and supra-mandatory retirement savings separately. The supra-mandatory portion is subject to less rigid statutory requirements, for example regarding the minimum interest rate or Conversion Rate. Employers with more attractive pension fund regulations often offer better terms on the supra-mandatory portion, which can increase the retirement pension noticeably.

Part of the topic

Vorsorge & Pensionierung

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