Field name
|
Description
|
Code
|
Enter an abbreviation of max. 10 digits for the desired BVG benefit plan in the Code field. E.g., RISIKO1
|
Description
|
In the Name field, enter a text of max. 30 characters to your BVG benefit plan that you have already entered in the Code field. E.g., Risk plan B.
|
Contract
|
For more info, go here: Insurance Contract
|
Rate Table
|
You may enter in the Rate table in per cent different employee and employer deductions per BV benefit plan depending on the age.
Gender
Please enter either M = masculine or F = feminine in the Gender field.
Starting from age
Please acquire in the From the age field, the starting age (January 1 of the year) from which the deduction for this age group should be considered.
Employer BVG %
This field is used to define the employer's premium payment to the pension fund.
Premium payment settlement either by the employer or employee depends on the selected option in the BV code field.
If the premium payment is not calculated as a percentage, select the BV code of fixed premium and enter employer and employee contributions as fixed wage items.
Employee BVG %
This field is used to define the employee's premium payment to the pension fund.
If the premium payment is not calculated as a percentage, select the BV code of fixed premium and enter employer and employee contributions as fixed wage items.
The AHV 21 reform provides for the gradual raising of the retirement age for women. We have implemented Legal regulations that apply to the AHV and documented them in the corresponding task descriptions.
There is no uniform implementation of the BVG, as there are already institutions that are familiar with a retirement age of 65 for women.
If you use SwissSalary to calculate BVG contributions by storing the contribution rates in the Rate tables, you must verify them. If a gradual raising of the retirement age for women is planned, record it every year in the Rate table. A new column has been cre-ated for this purpose. Unhide the “Retirement age formula” column. If it is increased by 3 months in January 2025, enter the formula "64J+3M” in the corresponding row where the retirement age is already stored today and the contributions are stored at 0% before the first pay process in January 2025. As of January 2026, it is to be changed to “64J+6M” and to “64J+9M” as of January 2027. Starting from January 2028, you will then enter 65 years like with the rates for men.
It should be noted that for women who reach retirement age and are no longer re-quired to contribute, contributions would be calculated again for the new year due to the increase in the retirement age. You can omit this by setting them to not insured in their BVG personnel card or at least not assigning them any more BVG contracts.
If you process BVG contributions by storing them as monthly fixed deductions record-ed in wage items, no adjustments are required in the payroll master data.
|
Employer %
|
This field is used to define the employer's premium payment to the pension fund.
Premium payment settlement either by the employer or employee depends on the selected option in the BV code field.
If the premium payment is not calculated as a percentage, select the BV code of fixed premium and enter employer and employee contributions as fixed wage items.
ATTENTION: This value is entered only if the Rate table is not used and therefore can be applied to all employee and employer deductions.
|
Employee %
|
This field is used to define the employee's premium payment to the pension fund.
If the premium payment is not calculated as a percentage, select the BV code of fixed premium and enter employer and employee contributions as fixed wage items.
ATTENTION: This value is entered only if the Rate table is not used and therefore can be applied to all employee and employer deductions.
|
Employer ST
|
Employer contributions to BV calculated during the pay process are recorded in this type. The AssistButton allows you to select the salary type.
|
Employee ST
|
Employee contributions to BV calculated during the pay process are recorded in this type. The AssistButton allows you to select the salary type.
|
Base ST
|
This is one of the fictitious salary types for the pension fund.
BV base ST contains the sum of all the wages subject to the BVG.
BV wage ST contains the wage total subject to the BVG for the relevant employee.
BVG-exempt ST contains the wage total not subject to the BVG for the relevant employee. Employees under the age of 18 and the retired are not subject to BVG. See the AHV code field in personnel master data.
The BVG wage total will be calculated by the following rules:
•The cumulative BVG base must lie between BV maximum limit/year and BV min-imum limit/year. Wages above the upper limit are exempt from the BVG.
•If the BVG wage lies only a little above the lower limit, it will be calculated in such a way that the BV minimum wage/year is reached.
•The wage total will be calculated by the cumulative method. This means that when the minimum and maximum wages are calculated, all the pay processes conducted in the previous months will be included.
•If you use Flexible coordination deduction % to calculate the BVG base, the corresponding percentage of the wage will be taken as coordination deduction in-stead of the BV coordination/year (for more details see Flexible coordination de-duction %).
Fictitious salary types
During the pay process, the totals of base wages and wages subject to compulso-ry insurance will be automatically transferred to fictitious wage types. Fictitious wage types can be regarded as auxiliary accounts. The annual statements and statistics will be calculated based on these items.
The AssistButton allows you to select the wage type. All the fictitious salary types must be filled in.
|
Salary ST
|
This is one of the fictitious salary types for the pension fund.
BV base ST contains the sum of all the wages subject to the BVG.
BV salary ST contains the wage total subject to the BVG for the relevant employee.
BVG-exemption ST contains the wage total not subject to the BVG for the relevant employee. Employees under the age of 18 and the retired are not subject to BVG. See the AHV code field in personnel master data.
The BVG salary total will be calculated by the following rules:
· The cumulative BVG base must lie between BV maximum limit/year and BV minimum limit/year. Wages above the upper limit are exempt from the BVG.
· If the BVG wage lies only a little above the lower limit, it will be calculated in such a way that the BV minimum wage/year is reached.
· The wage total will be calculated by the cumulative method. This means that when the minimum and maximum wages are calculated, all the pay processes conducted in the previous months will be included.
· If you use Flexible coordination deduction % to calculate the BVG base, the cor-responding percentage of the wage will be taken as coordination deduction in-stead of the BV coordination/year (for more details see Flexible coordination de-duction %).
Fictitious salary types
During the pay process, the totals of base wages and wages subject to compulsory insurance will be automatically transferred to fictitious wage types. Fictitious salary types can be regarded as auxiliary accounts. The annual statements and statistics will be calculated based on these items.
The AssistButton allows you to select the wage type. All the fictitious salary types must be filled in.
|
Exemption ST
|
This is one of the fictitious salary types for the pension fund.
BV base ST contains the sum of all the salary subject to the BVG.
BV salary ST contains the salary total subject to the BVG for the relevant employee.
BVG-exemption ST contains the wage total not subject to the BVG for the relevant employee. Employees under the age of 18 and the retired are not subject to BVG. See the AHV code field in personnel master data.
The BVG wage total will be calculated by the following rules:
· The cumulative BVG base must lie between BV maximum limit/year and BV minimum limit/year. Wages above the upper limit are exempt from the BVG.
· If the BVG wage lies only a little above the lower limit, it will be calculated in such a way that the BV minimum wage/year is reached.
· The wage total will be calculated by the cumulative method. This means that when the minimum and maximum wages are calculated, all the pay processes conducted in the previous months will be included.
· If you use Flexible coordination deduction % to calculate the BVG base, the corresponding percentage of the wage will be taken as coordination deduction instead of the BV coordination/year (for more details see Flexible coordination deduction %).
Fictitious salary types
During the pay process, the totals of base salary and salary subject to compulso-ry insurance will be automatically transferred to fictitious salary types. Fictitious wage types can be regarded as auxiliary accounts. The annual statements and statistics will be calculated based on these items.
The AssistButton allows you to select the salary type. All the fictitious salary types must be filled in.
|
Upper Limit/Year
|
The maximum salary for pension fund premium is entered here.
|
Lower Limit/Year
|
The lower limit for the calculation of pension fund premium is entered here.
|
Coordination/Year
|
The coordinating sum for the calculation of pension fund premium is entered here.
If your BV plan concerns an in-depth or even no coordination deduction, the amount is adjusted accordingly. (see also Flexible coordination deduction %)
|
Minimum/Year
|
Here you can enter the minimum salary total per year which is subject to deductions if the lower limit is exceeded.
|
Coordination Employment %
|
As a rule, the occupational pension base corresponds either to the ‘fictitious’ or to the ‘actual’ wage minus monthly coordination deduction. The annual coordina-tion deduction is recorded under payroll setup in the BV coordination/year column in the ‘BV’ tab.
By entering the corresponding percentage, not BV coordination/year, but the percentage of the insured wage will be considered as a coordination deduction. Therefore, the coordination deduction per employee is flexible and is equal to “xx%” of the insured wage. Maximum flexible coordination deduction per year can be defined by entering a value in the BV coordination/year field.
|
Upper Limit Employment %
|
The BV upper limit/year is reduced individually in proportion to the entry in the Percents by position field of the Employee card (depending on the BV benefit plan).
|
Lower Limit Employment %
|
The BV lower limit/year is reduced individually in proportion to the entry in the Percents by position field of the Employee card (depending on the BV benefit plan).
|
Coordination Employment %
|
The BV coordination/year is reduced individually in proportion to the entry in the Percents by position field of the Employee card (depending on the BV benefit plan).
|
Minimum Salary Employment %
|
The BV minimum salary/year is reduced individually in proportion to the entry in the Percents by position field of the Employee card (depending on the BV benefit plan).
|
Pro Rata Calculation
|
You input in the Pro rata calculation column whether employee BV deductions at recruitment/resignation during the month must always be calculated on the basis of 30 days per month or Calendar days/month (default = 30 d/mo.).
|
BVG Interface
|
NOTE: This field is used only in connection with the interface to the “PEKA” pension fund software!
If you want to use the interface of “PEKA”, check the box next to the corresponding BV insurance plans in the BV Interface column. Thus, the system can identify which data is needed for the transfer to PEKA.
|
Interface Fund No.
|
NOTE: This field is used only in connection with the interface to the “PEKA” pen-sion fund software!
If you want to use the interface of PEKA, enter the insurer number required by the PEKA for the corresponding BV insurance plans in the Insurer number interface column. Thus, the system can transfer the correct data during the data transmission.
|
Interface Plan No.
|
NOTE: This field is used only in connection with the interface to the “PEKA” pension fund software!
If you want to use the interface of PEKA enter the plan number required by the PEKA for the corresponding BV insurance plans in the Plan number interface col-umn. Thus, the system can transfer the correct data during the data transmission.
|