How to proceed: report unpaid leave

Unpaid leave

The two options open to you for the occupational pension plan in the case of unpaid leave

If an employee's unpaid leave lasts longer than a month, the occupational pension plan can be continued during the entire unpaid leave for up to twelve months. As an employer you are free to decide how to continue your employee's insurance during their unpaid leave.  

The best approach is for the employer and employee to discuss the various possibilities and choose the right option for them.

This is how you proceed

Option 1: Continuation of the insurance without changes

  • As an insured person you do not have to do anything.
  • All benefits (old age, death and disability) will remain insured on the basis of your last reported annual salary.
  • You as the insured person bear the entire costs.
  • Your employer will collect the premiums from you and transfer them to Vita.

Option 2: Continuation of risk insurance

  • As an insured person you do not need to do anything; your employer will notify us of your unpaid leave.
  • Disability and death benefits will continue to be insured without changes.
  • The premium payments for the savings process are temporarily discontinued during the unpaid leave.
  • There are two possibilities for premium financing:

    Option 1:

    The financing of premiums for the risk insurance remains unchanged (allocation of employer and employee premiums).

    Option 2:
    You as the insured person will pay the entire premiums. Your employer will collect the premiums from you and transfer them to the foundation.