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Pension Plans
The three‐pillar system
1st pillar
State pensions
Responsibility of the government
AVH
(Old‐Age and Survivors insurance)
DI
(Disability insurance)
EL
(Supplementary benefits)
2nd pillar Occupational benefits insurance
Responsibility of the
employer
Mandatory benefits
BVG/UVG
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Extra‐mandatory benefits
3rd pillar
Private pensions
Responsibility of the individual
Tied pension
(pillar 3a)
Flexible pension
(pillar 3b)
Mandatory
Voluntary
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