What is a vested benefit credit?
A vested benefits corresponds to the amount accumulated as part of your occupational pension plan (2nd pillar) during your working life. These assets represent your savings and form the basis of your retirement and risk benefits.
Where are my assets now?
As long as you have not communicated contact details of your new pension fund in the event of a change of employer or in the event of a break in employment, your assets will continue to be deposited in the form of " vested termination benefit If you wish, you can take out a "new pension plan" with the institution that previously managed your pension scheme.
Your vested benefit credit must be transferred to your new employer's pension fund. If you do not provide your former pension fund with your contact details, your credit balance will be transferred by default to your new pension fund. BVG Substitute Occupational Benefit Institution Foundation.
How do I know if I was insured under the LPP?
To check whether you are or were insured under the BVG, you can simply look at your past pay slips to see the contributions taken. In addition, you must have received a pension certificate (usually every year), which informs you of the benefits to which you are entitled at the time this document is drawn up.
How can I retrieve my BVG assets?
Contacting former employers
When you leave a job, check your pension certificate provided by your former employer, which details the amount of your vested benefits.
If you no longer have this document, contact your former employer's human resources department or the pension fund that managed your contributions. They will be able to provide you with up-to-date information on your assets and guide you through the process of transferring or recovering your funds.
2nd Pillar Central
The 2nd Pillar Central Office (Centrale du 2e pilier) helps policyholders to locate their vested benefits assets which are no longer linked to an identifiable employer, or which have not been transferred correctly when they change jobs. It is therefore the body of reference in case of doubt or difficulty in locating all your assets accumulated in different establishments.
To request assistance from the 2nd Pillar Central Office, please complete the online asset search form, or send your request to the address below:
2nd Pillar Central
LOB Guarantee Fund
Board of Directors
P.O. Box 1023
3000 Bern 14
Switzerland,
When you contact us, it's a good idea to provide as much personal information as possible (surname, first name, AHV number, former employer, etc.), as well as any documents in your possession (insurance certificate, bank statements, etc.) that may help them in their search.
What do I do with my assets once they've been recovered?
Once your BVG/LPP assets have been recovered, you have several options depending on your professional situation and your plans:
Transfer to a new pension fund
If you change employer or return to work, you must transfer your assets to your new employer's pension fund. This allows you to continue building up your retirement savings in an active plan.
Maintaining a vested benefits account
In the event of a career break or if you have not yet found a new job, your assets can remain in a account or a police vested benefits. This way, you can keep your savings safe while earning interestYou can transfer it at a later date when you become a member of a pension fund.
Lump-sum payment request
In certain cases (such as the purchase of a home, permanent departure from Switzerland, retirement, or other situations provided for by law), you can apply for the payment in cash of all or part of your vested benefit credit. Please note that this early withdrawal may affect your future pension entitlement.
