quitt works together with Valitas Compacta for the connection of your domestic helpers to the occupational pension scheme. As of 1.1.2023, a new agreement with the pension fund has come into force. All affiliated employers are now required to take out daily sickness benefits insurance (KTG) - a regulation that is customary for pension funds.
Below you will find the detailed notification from Valitas Compacta:
Our affiliation agreement and our valid pension regulations are aligned with the coordination of daily sickness benefits insurance in the run-up to the disability benefit of the disability insurance (IV) as well as the IV benefit (BVG) of Compacta. This in turn is also coordinated with our reinsurance, which is managed congruently.
Compacta defers the entitlement to disability benefits until the daily benefit entitlement is exhausted if:
- the insured person receives daily benefits from the health insurance instead of the full salary, which amounts to at least 80% of the lost salary, and
- the daily allowance insurance is co-financed by the employer to at least half. If, in the event of a loss of benefits, it turns out that, contrary to earlier promises by the employer, there is insufficient coverage by daily sickness benefits insurance, disability and disabled person's children's pensions begin together with the first-pillar IV pension. The resulting costs are borne by the employer.
The duration of the obligation to continue paying wages in the event of illness varies from region to region and depends on the length of service of the employee concerned. For employers affiliated with Compacta, this represents an incalculable financial risk that can be covered by daily sickness benefits insurance. The employer and employee pay premiums and the daily sickness benefits insurance takes over the continued payment of wages until any social insurance benefits kick in.
An uncovered risk also arises for the employees, since the legally prescribed period is too short to bridge the time until any social insurance pensions (IV and BVG) kick in. The gap in coverage that this creates for employees can be made up by a daily sickness benefit insurance policy.
Due to the coordination of benefits and the possible uncovered costs, we recommend a daily benefit of at least 80% and a benefit duration of 730 days. This exempts the employer from the legal obligation to continue paying wages, as this is recognized as an equivalent solution. With a higher daily allowance, the employer offers employees more than the statutory minimum.