Panoramica delle soluzioni di previdenza

La soluzione di previdenza «Uno» è ideale per le aziende del settore alberghiero e della ristorazione. «Scala» si presta sia per gli indipendenti che desiderano assicurarsi facoltativamente che per le imprese non soggette al contratto collettivo nazionale di lavoro dell’industria alberghiera e della ristorazione (CCNL).

Selezionare la linea di prodotti: Uno o Scala?

«Uno» (CCNL)

Per tutte le esigenze – la soluzione settoriale ideale

Nell’industria alberghiera e della ristorazione svizzera, il contratto collettivo nazionale di lavoro dell’industria alberghiera e della ristorazione (CCNL) definisce anche le prestazioni e i contributi della previdenza a favore del personale. GastroSocial è una delle poche casse pensioni che soddisfa i requisiti seguenti: I nostri piani di previdenza «Uno» sono appositamente concepiti per l’unicità dell’industria alberghiera e della ristorazione, inoltre rispettano tutte le disposizioni del CCNL.

Con «Uno» fate sicuramente la scelta giusta in quanto esercizio della ristorazione o azienda alberghiera!

«Scala»

Per le aziende non soggette al contratto collettivo nazionale di lavoro dell’industria alberghiera e della ristorazione (CCNL). Anche i lavoratori indipendenti, i cui dipendenti sono assicurati presso la Cassa pensione GastroSocial, possono assicurarsi facoltativamente optando per questa soluzione di previdenza.

Selezionare il piano di previdenza

Per saperne di più sui nostri piani previdenziali «Basic», «Top», «Plus» e «Integral». Il piano di previdenza appropriato viene scelto dal datore di lavoro e si applica generalmente a tutti i dipendenti dell’azienda. Tuttavia, è possibile stipulare soluzioni previdenziali diverse per determinati gruppi di persone, come i dirigenti, i dipendenti a tempo parziale o il personale temporaneo.

«Basis» – assicurazione di base conveniente

Il piano di previdenza «Basis» soddisfa tutti i requisiti di legge e offre una copertura di base poco costosa. È particolarmente adatto alle aziende che cercano una soluzione previdenziale semplice ed economica.

«Top» – assicurare salari più elevati

Per le assicurazioni «Basis» i salari sono assicurati solo fino a un ammontare di CHF 90’720.– all’anno.

Il piano di previdenza «Top» non prevede questo limite e si presta per i dipendenti o i quadri che percepiscono salari superiori a CHF 90’720.– all’anno – pertanto sono assicurate anche le parti di salario eccedenti fino al massimo a CHF 907’200.– all’anno.

Le vostre prestazioni se optate per il piano di previdenza «Top»

  • Accrediti di vecchiaia anche sulle parti di salario superiori a CHF 90’720.– all’anno
  • Rendita d'invalidità 40% del salario assicurato
  • Rendita per convivente 25% del salario assicurato

«Plus» – salari più elevati e migliore protezione contro i rischi

Come per il piano di previdenza «Top», anche con il piano di previdenza «Plus» è possibile assicurare salari più elevati. Beneficiate inoltre di rendite per convivente e d’invalidità più elevate e grazie agli accrediti di vecchiaia supplementari la vostra rendita di vecchiaia risulterà più alta.

Il piano di previdenza «Plus» è ideale per i dipendenti o i quadri che desiderano prestazioni maggiori e percepiscono un salario superiore a CHF 90’720.– all’ anno. Avete così la possibilità di assicurare parallelamente un fabbisogno previdenziale maggiore nonché parti di salario eccedenti (fino a un massimo di CHF 907’200.– all’anno).

Le vostre prestazioni se optate per il piano di previdenza «Plus»

  • Accrediti di vecchiaia anche sulle parti di salario superiori a CHF 88’200.– all’anno
  • 2% in più di accrediti di vecchiaia
  • Rendita d'invalidità 50% del salario assicurato
  • Rendita per convivente 30% del salario assicurato

«Integral» – la soluzione completa

Nessuna deduzione di coordinamento

Con il piano di previdenza «Integral» viene assicurato l’intero salario lordo AVS senza deduzione di coordinamento (CHF 26’460.–) – una soluzione sensata per i dipendenti occupati a tempo parziale e aiutanti.

I piani di previdenza «Integral» si basano sempre sulla struttura di base prescelta

Esempio: sottostate al CCNL e quindi le soluzioni di previdenza della linea di prodotti «Uno» sono ideali per voi e i vostri collaboratori. Optate per «Uno Basis» in quanto soluzione ottimale in termini di costi. Per assicurare al meglio anche i collaboratori con salari bassi, scegliete in più «Integral», rinunciando così alla deduzione di coordinamento. Il piano di previdenza ideale nella fattispecie è «Uno Integral Basis».

Le vostre prestazioni se optate per il piano di previdenza «Integral»

  • Prestazioni anche per persone con salari inferiori (p.es. dipendenti occupati a tempo parziale e aiutanti)
  • In generale prestazioni più elevate per tutti
  • Riscossione dei contributi semplificata

Nota

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PzA9BggrBgEFBQcCARYxaHR0cHM6Ly93d3cuYWRvYmUuY29tL21pc2MvcGtpL3Byb2Rfc3ZjZV9jcHMuaHRtbDAkBgNVHREEHTAbpBkwFzEVMBMGA1UEAxMMU1lNQy00MDk2LTMzMB0GA1UdDgQWBBRXKXoyTcz+5DVOwB8kc85zU6vfajAfBgNVHSMEGDAWgBSmHOFtVCRMqI9Icr9uqYzV5Owx1DANBgkqhkiG9w0BAQsFAAOCAgEAcc7lB4ym3C3cyOA7ZV4AkoGV65UgJK+faThdyXzxuNqlTQBlOyXBGFyevlm33BsGO1mDJfozuyLyT2+7IVxWFvW5yYMV+5S1NeChMXIZnCzWNXnuiIQSdmPD82TEVCkneQpFET4NDwSxo8/ykfw6Hx8fhuKz0wjhjkWMXmK3dNZXIuYVcbynHLyJOzA+vWU3sH2T0jPtFp7FN39GZne4YG0aVMlnHhtHhxaXVCiv2RVoR4w1QtvKHQpzfPObR53Cl74iLStGVFKPwCLYRSpYRF7J6vVS/XxW4LzvN2b6VEKOcvJmN3LhpxFRl3YYzW+dwnwtbuHW6WJlmjffbLm1MxLFGlG95aCz31X8wzqYNsvb9+5AXcv8Ll69tLXmO1OtsY/3wILNUEp4VLZTE3wqm3n8hMnClZiiKyZCS7L4E0mClbx+BRSMH3eVo6jgve41/fK3FQM4QCNIkpGs7FjjLy+ptC+JyyWqcfvORrFV/GOgB5hD+G5ghJcIpeigD/lHsCRYsOa5sFdqREhwIWLmSWtNwfLZdJ3dkCc7yRpm3gal6qRfTkYpxTNxxKyvKbkaJDoxR9vtWrC3iNrQd9VvxC3TXtuzoHbqumeqgcAqefWF9u6snQ4Q9FkXzeuJArNuSvPIhgBjVtggH0w0vm/lmCQYiC/Y12GeCxfgYlL33buiZnNpZ1RzdKFpdHN0VG9rZW5zgaFjdmFsWQ44MIIONDADAgEAMIIOKwYJKoZIhvcNAQcCoIIOHDCCDhgCAQMxDzANBglghkgBZQMEAgEFADCBggYLKoZIhvcNAQkQAQSgcwRxMG8CAQEGCWCGSAGG/WwHATAxMA0GCWCGSAFlAwQCAQUABCCFeJuTgOf0ztyHnMq4gbyXu4vQPw4RKDOw5298xHUdugIQCHjpqT75/RVrp0Er/+Z3PRgPMjAyNDEyMDMxMDMwMzBaAgkAoGeXpDU5Be2gggvAMIIFCjCCAvKgAwIBAgIQDAsvx3p4z7rtZVZUwZokAzANBgkqhkiG9w0BAQsFADBjMQswCQYDVQQGEwJVUzEXMBUGA1UEChMORGlnaUNlcnQsIEluYy4xOzA5BgNVBAMTMkRpZ2lDZXJ0IFRydXN0ZWQgRzQgUlNBNDA5NiBTSEEyNTYgVGltZVN0YW1waW5nIENBMB4XDTI0MTEyMDAwMDAwMFoXDTM2MDIxOTIzNTk1OVowWzELMAkGA1UEBhMCVVMxETAPBgNVBAoTCERpZ2lDZXJ0MTkwNwYDVQQDEzBFQ0MyNTZfU0hBMjU2X1RpbWVzdGFtcF9SZXNwb25kZXJfQWRvYmVfTk9WXzIwMjQwWTATBgcqhkjOPQIBBggqhkjOPQMBBwNCAATQ/B6F+IGYpiqQQLxOfqkUmeTmSRWZzxSCtwM82siW/SbXazktRyEWmwIVs+8PJjhV9C4fUJ23IGRxsfzJM8leo4IBizCCAYcwDgYDVR0PAQH/BAQDAgeAMAwGA1UdEwEB/wQCMAAwFgYDVR0lAQH/BAwwCgYIKwYBBQUHAwgwIAYDVR0gBBkwFzAIBgZngQwBBAIwCwYJYIZIAYb9bAcBMB8GA1UdIwQYMBaAFLoW2W1NhS9zKXaaL3WMaiCPnshvMB0GA1UdDgQWBBTs0RxvfOegTeQxP4cACNSt1H02uzBaBgNVHR8EUzBRME+gTaBLhklodHRwOi8vY3JsMy5kaWdpY2VydC5jb20vRGlnaUNlcnRUcnVzdGVkRzRSU0E0MDk2U0hBMjU2VGltZVN0YW1waW5nQ0EuY3JsMIGQBggrBgEFBQcBAQSBgzCBgDAkBggrBgEFBQcwAYYYaHR0cDovL29jc3AuZGlnaWNlcnQuY29tMFgGCCsGAQUFBzAChkxodHRwOi8vY2FjZXJ0cy5kaWdpY2VydC5jb20vRGlnaUNlcnRUcnVzdGVkRzRSU0E0MDk2U0hBMjU2VGltZVN0YW1waW5nQ0EuY3J0MA0GCSqGSIb3DQEBCwUAA4ICAQCi7MEg8nkvLauLI7cAj21DgnMErh0mntCt4c4tsW9yJQZdZv1n8E1dueayb6IiZ8mYambImrTeuVKwGqUSITZTiVhtFRP3zRD9DpFk+Ex4P010IStH/eD1lgK6bVfaY0gvzcIRQP3CwIzqBZAE81c5QINjPs81cvJLOFKd/cX7zOhoQvrziNDy15UNT5fuURe2fioANQsRNYOmVXAdg2TK7OktYD+EH/D8gWr7nHQhRJMuD54GNjiZnNPnYXz6F3j7Bu2aVlirvQGAAsrW27Lqhg9ksW5+aL+g9/lyqRoMrWLSy4KDQaztPB+PKskecO1R7dbJbw7UBFVl+GbGaUc4x6HvVLNNL5hHjiLrf9A4zxe52e9ZqpSU7kDu7dsRXvm+uLLMXjHFSx/j0stIcxnQHwOL4A5RRuUH1Xw1wz2CiGvIHNcoYrkqfkb6TsKJU7ntDqNKFKZ349sBErTdXwVoId4zS/cV/A5rO1Kw5aNO/zUTCtQkbcMg88XGWqImaYmIHhIvHaE1nRdPWCa0QhrxvioeP45p4/zqd/JrVbNsoEuEBSRIPB3+ViLaoFlimZRUePzwKYvyTrd6g72mVtF4Prbbvy1kqCUmsZDMFqn33DR0N8Qzqkzir3bufNyI5k95Rq3NXcbfNYDx9qZ8gjCu4NHtSxAdJKswzb9gi6jyFTCCBq4wggSWoAMCAQICEAc2N7ckVHzYR6z9KGYqXlswDQYJKoZIhvcNAQELBQAwYjELMAkGA1UEBhMCVVMxFTATBgNVBAoTDERpZ2lDZXJ0IEluYzEZMBcGA1UECxMQd3d3LmRpZ2ljZXJ0LmNvbTEhMB8GA1UEAxMYRGlnaUNlcnQgVHJ1c3RlZCBSb290IEc0MB4XDTIyMDMyMzAwMDAwMFoXDTM3MDMyMjIzNTk1OVowYzELMAkGA1UEBhMCVVMxFzAVBgNVBAoTDkRpZ2lDZXJ0LCBJbmMuMTswOQYDVQQDEzJEaWdpQ2VydCBUcnVzdGVkIEc0IFJTQTQwOTYgU0hBMjU2IFRpbWVTdGFtcGluZyBDQTCCAiIwDQYJKoZIhvcNAQEBBQADggIPADCCAgoCggIBAMaGNQZJs8E9cklRVcclA8TykTepl1Gh1tKD0Z5Mom2gsMyD+Vr2EaFEFUJfpIjzaPp985yJC3+dH54PMx9QEwsmc5Zt+FeoAn39Q7SE2hHxc7Gz7iuAhIoiGN/r2j3EF3+rGSs+QtxnjupRPfDWVtTnKC3r07G1decfBmWNlCnT2exp39mQh0YAe9tEQYncfGpXevA3eZ9drMvohGS0UvJ2R/dhgxndX7RUCyFobjchu0CsX7LeSn3O9TkSZ+8OpWNs5KbFHc02DVzV5huowWR0QKfAcsW6Th+xtVhNef7Xj3OTrCw54qVI1vCwMROpVymWJy71h6aPTnYVVSZwmCZ/oBpHIEPjQ2OAe3VuJyWQmDo4EbP29p7mO1vsgd4iFNmCKseSv6De4z6ic/rnH1pslPJSlRErWHRAKKtzQ87fSqEcazjFKfPKqpZzQmiftkaznTqj1QPgv/CiPMpC3BhIfxQ0z9JMq++bPf4OuGQq+nUoJEHtQr8FnGZJUlD0UfM2SU2LINIsVzV5K6jzRWC8I41Y99xh3pP+OcD5sjClTNfpmEpYPtMDiP6zj9NeS3YSUZPJjAw7W4oiqMEmCPkUEBIDfV8ju2TjY+Cm4T72wnSyPx4JduyrXUZ14mCjWAkBKAAOhFTuzuldyF4wEr1GnrXTdrnSDmuZDNIztM2xAgMBAAGjggFdMIIBWTASBgNVHRMBAf8ECDAGAQH/AgEAMB0GA1UdDgQWBBS6FtltTYUvcyl2mi91jGogj57IbzAfBgNVHSMEGDAWgBTs1+OC0nFdZEzfLmc/57qYrhwPTzAOBgNVHQ8BAf8EBAMCAYYwEwYDVR0lBAwwCgYIKwYBBQUHAwgwdwYIKwYBBQUHAQEEazBpMCQGCCsGAQUFBzABhhhodHRwOi8vb2NzcC5kaWdpY2VydC5jb20wQQYIKwYBBQUHMAKGNWh0dHA6Ly9jYWNlcnRzLmRpZ2ljZXJ0LmNvbS9EaWdpQ2VydFRydXN0ZWRSb290RzQuY3J0MEMGA1UdHwQ8MDowOKA2oDSGMmh0dHA6Ly9jcmwzLmRpZ2ljZXJ0LmNvbS9EaWdpQ2VydFRydXN0ZWRSb290RzQuY3JsMCAGA1UdIAQZMBcwCAYGZ4EMAQQCMAsGCWCGSAGG/WwHATANBgkqhkiG9w0BAQsFAAOCAgEAfVmOwJO2b5ipRCIBfmbW2CFC4bAYLhBNE88wU86/GPvHUF3iSyn7cIoNqilp/GnBzx0H6T5gyNgL5Vxb122H+oQgJTQxZ822EpZvxFBMYh0MCIKoFr2pVs8Vc40BIiXOlWk/R3f7cnQU1/+rT4osequFzUNf7WC2qk+RZp4snuCKrOX9jLxkJodskr2dfNBwCnzvqLx1T7pa96kQsl3p/yhUifDVinF2ZdrM8HKjI/rAJ4JErpknG6skHibBt94q6/aesXmZgaNWhqsKRcnfxI2g55j7+6adcq/Ex8HBanHZxhOACcS2n82HhyS7T6NJuXdmkfFynOlLAlKnN36TU6w7HQhJD5TNOXrd/yVjmScsPT9rp/Fmw0HNT7ZAmyEhQNC3EyTN3B14OuSereU0cZLXJmvkOHOrpgFPvT87eK1MrfvElXvtCl8zOYdBeHo46Zzh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Domanda frequente: 
Posso cambiare il piano di previdenza?

Un adeguamento (modifica) del piano di previdenza può essere effettuato dal datore di lavoro il 1° gennaio dell’anno successivo. Se un dipendente desidera cambiare il proprio piano di previdenza, può farlo solo con il consenso del datore di lavoro e la modifica si applicherà in genere anche agli altri dipendenti.

Gaston