Continuation of old direct insurance from 2001

Is there no possibility of liability assignment? SwissLife is not just any company.

Is there no possibility of liability assignment? SwissLife is not just any company.

I have to admit, this is also just hearsay from my wife, who works in HR, and I don't know if this also applies to contracts with flat-rate taxation.
As far as I know, it has nothing to do with the provider, but with the employer. Whether this concerns liability issues due to incorrect tax and expert legal treatment in detail or topics around correct advice and its documentation, I do not know.
In any case, it can become really expensive if someone wants to retire someday and then makes additional claims from 30 years of contributions against the last employer.

Good morning,

as of now, a (temporary) suspension makes the most sense. The DV is tax-free, but you have to pay health insurance contributions on it. That means if we pay privately, the DV has to be at least above the health insurance contribution. Rather unrealistic.

Well, we’ll see, then there will just be a second DV. The system somehow lags behind. Because of liability, these are private insurance companies, not pension funds or own companies. There is no liability.

Anyway, it is what it is.

Isn't there any possibility of liability transfer? SwissLife is not just any company.

For the § 40 contracts, no employer is liable, and certainly not the new one. But since these no longer exist, they can no longer be concluded with the new employer, only the new salary conversion.

That means if we pay in privately, the statutory health insurance contribution must be at least above the private contribution. Rather unrealistic.

Firstly, the private contributions are separated and no health insurance contributions will be charged on them later. Secondly, the health insurance contribution is calculated differently than you stated. Thirdly, the health insurance contribution can be deducted from taxes or even completely avoided.

first, private contributions are kept separate and no health insurance contribution is due on them later. second, the health insurance contribution is calculated differently than you indicated. third, the health insurance contribution can be deducted from taxes or even completely avoided

that is all true, but for yield reasons I personally would not increase privately, because the big advantage from my point of view is the tax consideration of 40b. better to put it on contribution-free status and look for something else.