Federal Constitution of the Swiss Confederation (FCSC)

Art. 113FCSC from 2021

Art. 113 Occupational pension scheme^*1

¹ The Confederation shall legislate for an occupational pension scheme.

² In doing so, it shall adhere to the following principles:

a.

the occupational pension scheme, together with the Old-age, Survivors’ and Invalidity Insurance, enables the insured person to maintain his or her previous lifestyle in an appropriate manner.

b.

the occupational pension scheme is compulsory for employees; the law may provide for exceptions.

c.

employers shall insure their employees with a pension institution; if required, the Confederation shall make it possible for employees to be insured with a federal pension institution.

d.

self-employed persons may insure themselves on a voluntary basis with a pension institution.

e.

for specific groups of self-employed persons, the Confederation may declare the occupational pension scheme to be compulsory, either in general terms or for individual risks only.

³ The occupation pension scheme is funded from the contributions of those insured, whereby employers must pay a minimum of one half of the contributions of their employees.

⁴ Pension schemes must satisfy the minimum requirements under federal law; the Confederation may provide for national measures to resolve particular difficulties.

^1* With transitional provision