Inclusion in the pension scheme coincides with the start of the employment contract but may not be earlier than 1 January after the person’s 17th birthday. 

The insured person has disability and death cover (risk insurance) until 31 December after reaching, or coinciding with reaching, the age of 21. With effect from 1 January after reaching the age of 21 the old-age benefits are also included (full coverage insurance). 

If you were insured under an occupational pension scheme in a previous job in Switzerland then you will have earned entitlement to the remittance of vested pension benefits. The statutory requirements and regulations dictate that the vested pension benefits be remitted to Livica.

Any policies or accounts for vested pension benefits which you may have should also be transferred to us.