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Each social security system is unique and highly complex. As an employer you must perform many tasks and meet a number of obligations to comply with the social insurance requirements. This entails risks that you must deal with appropriately to avoid non-compliance and the possibility of penalties and late interest charges.
We’re committed to providing social insurance advice to reduce the complexity of the subject and make you aware of the issues. With a wide range of services, qualified experts and many years of experience in supporting employers, we help you avoid the risks and use your resources efficiently.
Find out more about
Swiss social security
As an employer you’re responsible for calculating and remitting the correct social security contributions.
In Switzerland, provision for the risks of old age, disability and death is based on a three-pillar system. Both the first pillar and the occupational second pillar have a direct impact on your payroll. Complying with the applicable laws requires some administrative effort. In addition, changes in the law and practice must be kept in mind, preferably at an early stage. We can take care of both so that you can focus on the essentials.
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The 3-pillar system
Relevant social security schemes in Switzerland
- Old-age and survivors’ insurance
- Disability insurance
- Income compensation scheme (EO), maternity and paternity compensation (MSE/VSE) and childcare allowance
- Supplementary benefits
- Occupational pensions
- Unemployment benefits
- Family allowances
- Accident insurance
- Swiss health insurance
- Long-term daily benefits sickness insurance
- Military insurance
- Pillar 3a/b
International social insurance
In addition to advising employers on Swiss social insurance schemes, we also provide support in international situations:
International situations can include:
- Employees living abroad and working in different countries (regardless of whether they are only employed by you or also by other employers or self-employed)
- Cross-border commuters with a home office in their home country
- Remote workers in Switzerland (ANobAG insurance solutions)
- Temporary stays of your employees in Switzerland (working from anywhere, on workation, etc.)
In such constellations, we can evaluate which social security system your employees are subject to and, if necessary, help you obtain an A1 certificate/CoC. If necessary to process social security contributions in Switzerland, we can also offer further services analogous to ANobAG or seek continuation.
In addition, we can advise you on questions around the tax implications for employees, whether in relation to withholding tax or in connection with any double taxation agreements.
International transfers
Employees who temporarily work for your company in another country are subject to Swiss social security legislation during this period. Certain requirements must be met.
The complexity of accounting obligations and insurance cover for foreign assignments should not be underestimated. We’ll be happy to support you with our social insurance advice and expertise.
Our services
The dialogue with authorities and insurance companies in Switzerland is often time-consuming and complicated. We’ll be happy to help you deal with all social security issues as efficiently as possible. You can count on our active support and advice for the following issues:
- Answering social security questions on registration and withholding obligations and payroll reporting requirements
- Setting up insurance cover and processing social security contributions and benefits
- Preparing and accompanying OASI (AHV/AVS) and accident insurance audits
- Training employees on HR topics
- Support with administrative tasks related to social insurance
- Support with finding a suitable social security insurance solution (compulsory and voluntary coverage)
- Clarifying social insurance subordination and status in the respective country (including obtaining A1/CoC), especially in an international context
- Registering and processing ANobAG (employee without employer liable to pay contributions)
- We can help you comply with all the relevant Swiss social insurance requirements.
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Do you have any questions?
We are happy to support.
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Contact us
Stephen Turley