Legal quote – tougher regulatory conditions for insurers
At its session today, the Swiss Federal Council passed a resolution regulating the distribution of profit generated by occupational pension schemes (legal quota). The Swiss Insurance Association (SIA) has taken note of these new conditions with dismay.
Zurich, 24 March 2004 – The resolution in question seeks to take gross profits as the basis for profit participation in general, while using net profits in those years when the industry reports good earnings. The Swiss Insurance Association considers this obvious compromise regulation of the legal quota to be ineffective and impossible to understand. The new regulations will once again tighten conditions for insurance companies working in the occupational pension field. The SIA can nonetheless appreciate the socio-political rationale behind the introduction of a legal quota.
The legal quota poses an additional burden on a system that is already suffering from restrictive regulations, two notable examples being a conversion rate that fails to accurately reflect market conditions, and the lack of a binding formula for a minimum interest rate that is line with market conditions.
The SIA member companies affected by the new regulations will now analyse to what extent the new stipulations will have an impact on their role as major carriers of the second pillar.
Einheitskasse: Nein zu Bevormundung und leeren Versprechungen
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Die «Initiative für eine öffentliche Krankenkasse» schiesst am Ziel vorbei: Ein effizientes, bezahlbares Gesundheitswesen lässt sich nicht über ein staatliches Monopol erreichen. Mit der Einführung einer Einheitskasse würde ein bewährtes Modell qualitativ hochstehender medizinischer...
Teilzeitjob bei zwei Arbeitgebern – was ist mit der Pensionskasse?
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Je nachdem, wie hoch die Löhne bei den beiden Arbeitgebern sind, bieten sich verschiedene Regelungen der Pensionskassenunterstellung an. Massgebend sind dabei die Bestimmungen der Pensionskassenreglemente.
