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Starting a new job often feels like a fresh beginning – but many forget a crucial point: their personal pension coverage. Between resigning and starting a new role, it's easy to end up with a gap in occupational benefits (BVG), vested benefits, or even accident insurance.

❗ Key points to keep in mind

• BVG vested benefits: When you leave a job, your BVG pension funds are transferred to a vested benefits account. Make sure to choose a bank or foundation yourself – otherwise, your assets may end up in a default collective account.
• Accident insurance: After leaving your job, you remain covered for up to 30 days. Beyond that, you need to secure private coverage – such as a UVG extension or a voluntary policy.
• Unemployment: If there’s a gap between two jobs, the unemployment office will cover your social insurance – provided you are registered. Otherwise, you may face gaps in coverage.

💼 Who is most affected?

This is especially relevant for people taking extended breaks, sabbaticals, or time abroad. It also applies to those becoming self-employed, who must take action to continue their occupational pension voluntarily.

✅ Our tip: Secure yourself early with a consultation. It’s the best way to avoid losses and ensure long-term protection for your retirement and unforeseen situations.

📖 Source: Ratbacher Blog Article