Social security old age and survivors' insurance / disability insurance / loss-of-income and maternity insurance

Reliable and secure financial health!

Your first pillar with us

The CVCI AVS/AI/APG fund each year covers:

• 5,200 AVS and AI income files
• 153 million francs of contributions collected
• 121 million francs in benefits

Our AVS/AI/APG compensation fund ensures the precise and rigorous execution of all administrative tasks involved in social security old age and survivors' insurance, disability insurance, loss-of-income and maternity insurance:

 

• The collection of contributions for your entire company
• The payment of benefits prescribed by law to your employees, yourself, your spouse or your children.

 

For these services, the fund charges a modest fee to the employer, based on the total payroll amount subject to social security contributions according to a precisely calculated schedule.

 

Affiliation

To join our fund, you must be a member of the Vaud Chamber of commerce and industry (CVCI), our founding association.

Contributions

 

• Periodic invoicing of the contributions (monthly or quarterly depending on the total payroll amount) based on a flat rate percentage of the entire payroll amount.
• Unless there are great variations, there is no change in this basis during the year.
• We add a modest amount for administrative fees.
• End of year accounting: in December, you receive a list of your employees’ names and their salaries, pre-printed by us (your own list is also accepted). You return it to us by 30 January of the following year, accompanied by a global certification listing all salaried employees who worked during the year. At the latest, 30 days after we receive it, the final accounting for the year will be sent to you.

Federal benefits

• APG maternity insurance
• APG military service and civil protection insurance
• AVS social security income
• AI disability income
• AI daily benefits

Cantonal benefits

• Geneva maternity insurance

Each month with the salaries, you pay the benefits that we have accorded to you. The reimbursement of the benefits paid appears as a deduction on your periodic contribution invoices.

Documents to be submitted for your affiliation

• CVCI membership application
• Membership application for our social funds
• LPP – LAA (Occupational pension funds, also called the 2nd pillar – Accident Insurance) questionnaire
• Social Security number, last name, first name and date of birth of employees as they are hired.

 

 

Information

Alexandra Hählen

Maritza Martinez

Tel. 021 61 33 511

Fax 021 61 33 501

 

avs@cvci.ch

www.cvci.ch/go/caisses

 

 

Employers

All employers are required to be affiliated with a social security (AVS) fund.

Our team is at your disposal to complete this formality under very favorable conditions.

 

 

Shared contributions

Some contributions are shared and must be deducted from the gross salary.

Type of contributions	Employer	Employee	Total
AVS/AI/APG	5.15%	5.15%	10.30%
Unemployment Insurance 1 (up to CHF 126,000 per year)	1.10%	1.10%	2.20%
Unemployment Insurance 2 (from CHF 126,001 to CHF 315,000 per year)	0.50%	0.50%	1.00%
Geneva maternity insurance (applies only to employees working within the Canton of Geneva)	0.045%	0.045%	0.09%

 

 

Self-employed persons

With or without salaried employees, your self-employment activity requires affiliation with a social security (AVS) fund. Our fund will examine your right to be self-employed by means of a questionnaire. Once you have completed this first step, you must pay the social contributions for yourself and/or your employees (shared contributions).

 

Type of contributions	Annual income	Rate
AVS/AI/APG (personal contributions)	over CHF 55,700	9.7%
	from CHF 55,700 to CHF 9,300	decreasing rate from 9.202% to 5.223%
	less than CHF 9,300	CHF 475

 

 

 

 

 

Access

 

By public transportation

TL Bus no. 2 (Maladière – Désert)

or Metro M2: Jordils station

 

Access by car

Paid parking is available near the CVCI offices.

 

Serving businesses