Are Your Hardship Gaps in Critical Condition Covered?

How do pension gaps arise with disability?

If you have only the legal minimum insured in the 2nd pillar, you risk income gaps in case of disability. AHV, IV and BVG often do not suffice to maintain your previous standard of living. This is where it becomes apparent whether the pension provision really fits your situation.

For assessment, it helps to look at the total cover from the 1st, 2nd, and 3rd pillars. If it is below 80 to 90 percent of net income, you should look more closely. The SKV helps with solutions from occupational pension and from the free 3b provision, such as disability pensions or death benefits.

What really counts in case of death?

Adequate coverage is especially important when family, mortgage, or ongoing obligations depend on it. Many rely only on survivors' benefits from AHV and pension funds, but these are often not enough. The crucial question is whether the income of the surviving person can cover ongoing costs, children's education, and housing financing.

If this calculation does not add up, there is a pension gap in the event of death. Additional risk protection provides clarity and security for the survivors. The SKV offers flexible solutions tailored to your personal situation.

How the SKV designs provision for self-employed people

For decades, the Swiss Executives Association SKV has guided principled people with pension solutions tailored to their role and responsibility. More than 25,000 members already rely on these solutions. This is especially relevant for self-employed individuals who do not yet have an BVG solution and want to build their coverage according to need.

Occupational Pension (BV) for self-employed, partnerships, and GmbHs
Risk insurances in the free 3b provision with death capital, disability pension, or orphan's pension
Combining protection for entrepreneurs, managers, and self-employed
Help understanding the pension statement on the SKV website

What to watch for in the pension statement?

Many insured persons find the numbers on the BVG pension statement hard to grasp at first. That’s why a careful review pays off: only when you know which benefits are already covered can you identify any gaps in pension provision. The SKV points to guidance for interpreting the pension statement.

Be especially careful

If you have only the minimum insured in the 2nd pillar, the risk of under-coverage is much higher. Therefore, don’t just check individual benefits, but always consider the interaction of AHV, BVG, and any additional coverage. This makes it faster to see whether your family would actually be protected in an emergency.

Frequently asked questions

Can I join the BVG via SKV as a self-employed person?

Yes, SKV also offers a BVG solution for self-employed individuals. This applies regardless of whether you have staff or not. This allows your provision to be aligned with your needs.

Are AHV and pension funds not sufficient in case of death?

Often not, especially when a family, a mortgage, or ongoing costs have to be covered. Therefore, it should be checked whether the income of the surviving person is enough for these obligations. If not, additional risk protection makes sense.

How can I tell whether there is a gap in disability coverage?

An important indicator is the total cover from 1st, 2nd, and 3rd pillars. If it falls below 80 to 90 percent of net income, there is usually a need for action. The BVG pension statement helps to assess the starting position.

Which SKV solutions help close pension gaps?

SKV offers solutions from occupational pension and free 3b. These include disability insurance, death capital, and orphan’s pension, enabling targeted coverage of various risks.

Those who review their pension gaps early avoid unpleasant surprises in case of illness, disability, or death. The SKV supports you with a pension solution tailored to your role, responsibility, and life situation.

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