Happy Ending Update about BVG
I complained with the payroll company and they suggested me to meet an AXA representative to discuss pension options. I didn’t know what to expect, since we missed an important stakeholder around the table: the employer.
Anyway, I met the AXA guy and explained the pension system to him (yes, I explained swiss pension system to him), so that we can skip all the upsell insurance bullshit and jump quickly into my current contract. We changed a few bits, i.e. raised the savings portion from 10% (minimum contribution for age 35-44) of the minimum insured salary of ~60k (the salary between 25k and 85k) for someone earning more then 85k per year, to 15% my full salary minus the initial 25k (200k - 25k = 175k), which means 26k CHF/Year (more than 2k per month, more than what I was accruing at Hooli).
Plus we added a 100% (200k) death bonus for surviving spouse if I happen to die. I should have put more, like 3-400%. It costs nothing, really. Something like 20 CHF/Year per 100% split between employer and employee. But an ex colleague of mine back at Hooli told me “since I told my wife how much she would get in case I’d die, I let the children taste the food first”
I told my manager that I met this AXA person and we came up with a satisfying proposal. My manager apologized 100 times, he told me he didn’t work personally on this issue but delegated it to the payroll company, which is probably only familiar with handling low salaried people.
Yesterday my boss called me once more and told me my proposal was fine. He actually told me they wanted to be even more generous than that, and offered to split the payments 60% on them and 40% on me.
That’s amazing!
I knew it wasn’t my company intention to offer me a shitty package. But if I hadn’t noticed it would have gone by.
Lesson learned: if you “don’t care” about those things, you sign papers and end up screwed. My insistence and financial awareness brought me more or less 1.6k CHF/Month extra total compensation.
I’m quite sure if I tell my boss “hey, what are these UVG, and KTG things? I never paid them before. Please, take care of it as well” I can easily get another 300 CHF/Month bonus, but I think I got already enough 