Note
Suspension is applied in the case of unpaid leave. Examples could be: unpaid leave for a sabbatical year, unpaid leave after maternity leave. Suspension is not applied in the event of absence due to incapacity for work or if the insured person leaves your company permanently.
Suspension
You wish to report a suspension for an insured person.
Log in to ePlix Connect.
- Click on “Contracts” on the left-hand side.
- In the second menu on the left, select the desired company and contract.
- Click on the insured person for whom you wish to report the suspension to open the detailed view.
The insured person's details page will open. Click “Suspension.”
Select the start date of the suspension (1) and select the type of suspension* (2).
Click on ‘Submit’ at the bottom right.
*Explanation of suspension types
In Swiss pension funds, there are specific types of suspension that relate to savings and risk. Here is an explanation of the different types:
1. suspension of savings and risk
- Definition: With this type of suspension, both the savings contributions (retirement assets) and the risk contributions (insurance cover for disability and death) are suspended.
- Consequences: During the suspension, no new retirement assets are accumulated and the insurance cover for disability and death lapses. This means that the insured person will neither accumulate retirement capital nor receive benefits in the event of death or disability during this period.
2. suspension of the risk
- Definition: In this case, only the risk contributions (disability and death insurance) are suspended, while the savings contributions (retirement assets) continue to be paid in.
- Consequences: The retirement assets continue to build up, but there is no protection against disability or death during the suspension. If a case of disability or death occurs during this period, there are no benefits from the pension fund.
3. suspension of savings
- Definition: In this variant, only the savings contributions (for retirement provision) are suspended, while the risk contributions continue to be paid.
- Consequences: There is no accumulation of retirement assets during the suspension, but the insurance cover against disability and death is maintained. Should an insured event occur during this period, benefits from the pension fund would be guaranteed.
Suspension can take place from the first day on which no salary subject to AHV contributions is paid, up to a maximum of two years.
Each of these types of suspension has a specific impact on retirement provision and insurance cover, and it is important to be aware of the individual consequences before a suspension takes place.