The Swiss three-pillar system
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The three-pillar system simply explained
The purpose of Switzerland's three-pillar pension system is to ensure that people in Switzerland are financially secure in their old age and in the event of disability or death.
Pillar 1 – AHV/DI/EO
Pillar 1 is designed to secure people's livelihood in old age, on disability (including occupational disability) or following a death.
Pillar 2 - occupational benefits insurance
Pillar 2 covers occupational benefits insurance, occupational accident insurance, daily sickness benefits insurance and vested benefits schemes. Pillar 2 aims to enable people to maintain their accustomed standard of living after retirement.