How social insurance works
Entrepreneurs need to get national insurance for themselves and any employees.
As far as social insurance is concerned, what is mandatory for the entrepreneur and what is not depends on the legal structure chosen. As a general rule, founders of sole proprietorships, limited partnerships and general partnerships have self-employed status. They are largely responsible for their own pension schemes.
Founders of limited companies and limited liability companies are both entrepreneurs and employees. So they have the status of a worker carrying on a dependent activity according to social security schemes. In this case, most types of insurance are mandatory.
The system of public, occupational and private pension funds based on the principle of three pillars is deemed to ensure security upon retirement, in the event of disability and in the event of death, and to guarantee a decent standard of living, once contributors have stopped working.
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2nd pillar: pension fund (OP)
Entrepreneurs need to get national insurance for themselves and any employees. Presentation of obligations associated with the second pillar: pension fund (OP).
Unemployment insurance (ALV)
Entrepreneurs need to get national insurance for themselves and any employees. Presentation of obligations in terms of unemployment insurance.
The third pillar: Private pensions
Entrepreneurs should acquire national insurance for themselves and any employees. But what about the third pillar?
1st pillar: OASI/DI/APG
Entrepreneurs need to get national insurance for themselves and any employees. Presentation of obligations associated with the first pillar: OId-age and survivors’ insurance, disability insurance and income compensation allowances (OASI/DI/APG).
Daily allowance insurance in the event of earning incapacity and loss of earnings
Entrepreneurs shouldacquire social insurance for themselves and any employees. Here is an overview of daily allowance insurance and insurance in the event of earning incapacity and loss of earnings.
Health insurance offices (LAMal)
Entrepreneurs need to get national insurance for themselves and any employees. Overview of health insurance offices.
Occupational accident insurance (OAI) and non-occupational accident insurance (NOAI)
Entrepreneurs need to get national insurance for themselves and any employees. Presentation of obligations in terms of occupational accident insurance (OAI) and non-occupational accident insurance (NOAI).