|
Occupational pension
The affiliation of ETAS to Pension Fund Music and Education in October 2006 was the result of long and considered consultation with Jürg Lehmann of Winterthur Insurance regarding the best solution for our members' special requirements for 2nd pillar (occupational pension) insurance. Previously, private 3rd pillar insurance was the only alternative available to many members but 2nd pillar offers distinct advantages in terms of tax deductibility and disability benefits. We have since then already received the first Facultative Occupational Pension for self-employed teachers (FOP) registrations from members who are self-employed (registered as such and who pay their own AHV/AVS).
The administrative office will be happy to answer any questions you may have.
Pension Fund Music and Education
Marktgasse 5
4051 Basel
Tel: 061 906 9900
Fax: 061 906 9901
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Visit the website
 Occupational Pension Fund (brochure in PDF, approx. 582 KB)
Loss-of-Earnings Insurance
ETAS has reached an agreement with Winterthur Insurance to offer a collective accident and loss-of-earnings insurance at favourable rates to members, both institutional and individual. Premiums are considerably lower than in an individual policy with an insurer.
Loss-of-Earnings Insurance (brochure in PDF, approx. 260 KB)
The most frequently asked questions about the Pension Fund and Insurance
What are vested benefits?
Can I still join the pension fund if I am over 60?
What are the advantages of being insured through the ETAS collective AXA Winterthur Insurance and how should I proceed?
What are vested benefits?
This is a lump sum from a previous employer's pension fund, deposited in a non-accessible account reserved for your retirement and earning minimal interest, which you can invest in your current occupational pension fund in order to improve your retirement pension. 2nd pillar accounts currently earn 2.75%, but the Pension Fund Music and Education offers 3% interest. You can also make tax-relevant, one-off payments from your savings to your pension fund.
Can I still join the pension fund if I am over 60?
You can join the pension fund until the age of 64 (65 for men) and make contributions until you are 69 (70). The longer contribution period (as well as interest) will increase your future annual pension.
What are the advantages of being insured through the ETAS collective AXA Winterthur Insurance and how should I proceed?
ETAS has worked closely with AXA Winterthur, Bern and arranged better premiums for schools and self-employed teachers who are ETAS members.
AXA Winterthur in Bern has wide experience in working with professional associations and also works closely with Pension Fund Music and Education.
Find out about your current loss of earnings cover from your employer or your existing policy.
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Only give notice on existing policies once you have received written definitive acceptance from AXA Winterthur.
If you have questions which are not answered here please send mail us at
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
.
|
