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Spesso se ci si accosta al mondo del lavoro svizzero per la prima volta, o se vi si fa parte da poco tempo, si sente parlare del sistema dei pilastri e non si riesce a comprendere bene come sia strutturato. Vediamo di fare chiarezza insieme.

 

Il sistema dei pilastri trova fondamento nella Costituzione federale dal 1972 ed è strutturato, come è facile intuire dalla denominazione, su tre ‘colonne portanti’, ognuna con uno specifico obiettivo e differenti prestazioni:

  • Primo Pilastro. Chiamato anche Previdenza statale, è costituito da AVS (Assicurazione Vecchiaia e Superstiti) e AI (Assicurazione Invalidità), e serve a garantire alle persone il minimo vitale nei casi di vecchiaia o superstiti (con la premorienza dell’assicurato)
  • Secondo Pilastro. Chiamato anche previdenza professionale, serve a garantire il mantenimento del tenore di vita abituale
  • Terzo Pilastro. Chiamato anche Previdenza privata, è facoltativo e a carico degli assicurati e serve a coprire il fabbisogno personale degli individui. Viene suddiviso in previdenza vincolata (il capitale viene reso disponibile come integrazione alla rendita di vecchiaia) e previdenza libera (il capitale versato è disponibile in qualsiasi momento)

Cerchiamo di spiegare meglio, attraverso delle semplici domande, come funziona questo sistema.

 

Far parte di questo sistema è obbligatorio?

Si, vivendo e/o lavorando in Svizzera si è parte di questo sistema.

Il primo pilastro è obbligatorio per tutte le persone che risiedono o che esercitano un’attività lucrativa in Svizzera, il secondo pilastro è obbligatorio per tutti i lavoratori che percepiscono un reddito annuo di almeno 21.330 franchi (valore di riferimento per l’anno 2019), mentre la contribuzione al terzo pilastro è volontaria e a discrezione di ogni singolo.

 

Chi finanzia i vari pilastri?

Il primo pilastro viene finanziato dai lavoratori, dai datori di lavoro e dallo Stato.

Ogni mese i datori di lavoro versano un contributo per ogni lavoratore, e allo stesso modo ai lavoratori viene trattenuta in busta paga  una percentuale pari al 5.125% per AVS/AI/IPG (IPG = Indennità perdita di guadagno – ma questa non va ad alimentare il primo pilastro).

Lo Stato contribuisce al finanziamento attraverso il versamento di parte dell’IVA e delle imposte.

Il secondo pilastro viene finanziato dagli assicurati e dai datori di lavoro, sempre mediante il versamento di contributi da parte del datore di lavoro e la trattenuta in busta paga al lavoratore (può capitare che al lavoratore non venga trattenuto nulla, se il datore si accolla tutti i costi come una sorta di benefit aziendale).

Il terzo pilastro, invece, viene finanziato dai singoli individui, non essendo obbligatorio.

 

Come vengono calcolati i contributi?

I contributi da versare vengono calcolati sulla base del salario percepito.

Come anticipato, per AVS/AI la percentuale di contribuzione corrisponde al 5.125%, mentre per quanto riguarda il contributo per la previdenza professionale bisogna fare alcune precisazioni.

Poiché la previdenza professionale integra le prestazioni del primo pilastro, non viene assicurata l’intera rendita annuale, ma si procede ad una deduzione definita ‘di coordinamento’: al salario assicurato viene sottratta la quota di coordinamento (per il 2019 la cifra di riferimento è di 24’885 franchi) e si ottiene così la base su cui calcolare la trattenuta, che chiamiamo salario coordinato.

Il valore massimo di rendita annua assicurato secondo la normativa è di 85’320 franchi, quindi la base di calcolo per il secondo pilastro è di 60’435 franchi (e cioè 85’320 – 24’885).

L’importo dei contributi è fissato dalla cassa pensioni e varia dal 7% al 18% del salario coordinato. La legge prescrive che i datori di lavoro paghino almeno metà dei contributi per il collaboratore, ma molti datori si incaricano di versare una parte maggiore di contributi; è inoltre possibile che i datori decidano di versare i contributi su tutto il salario, anche se maggiore rispetto ai limiti fissati dalla legge (abbiamo riportato i riferimenti stabiliti dalla normativa, ma se le condizioni sono migliorative rispetto alla legge, è possibile versare più contributi).

Per il versamento dei contributi del terzo pilastro viene fatta una distinzione tra i contribuenti. Si distinguono due categorie: le persone che già versano contributi ad una cassa pensione (in generale quindi i lavoratori dipendenti) e le persone non affiliate ad un istituto di previdenza (di solito rientrano in questa categoria i lavoratori indipendenti). Per entrambe le categorie gli importi annui esatti sono fissati dall’Ufficio federale delle assicurazioni sociali, e vengono comunicati annualmente tramite sito web.

 

Come posso riscuotere i contributi che ho versato?

I contributi versati per il primo pilastro vengono versati all’assicurato sotto forma di rendita, a partire quindi dal raggiungimento della pensione, oppure nel caso sfortunato in cui l’assicurato venga a mancare, vengono versati alla vedova o vedovo oppure ai superstiti.

I contributi versati per la previdenza professionale possono invece essere riscattati anticipatamente per l’acquisto, la ristrutturazione o la costruzione della prima casa (è necessario provarlo, e nel caso in cui la casa venga poi venduta, donata o affittata – non risultando quindi più come prima casa – viene richiesta la restituzione del capitale prelevato anticipatamente), per l’avvio di un’attività indipendente o nel caso di uscita definitiva dalla Svizzera e stabilimento in uno Stato non UE.

Bisogna affermare che questa possibilità deve essere prevista dalla singola Cassa Pensioni, e che molto spesso vengono effettuati controlli capillari.

Per quanto concerne il terzo pilastro, invece, il capitale vincolato viene reso disponibile come integrazione alla rendita di vecchiaia, mentre quello versato nella previdenza libera è disponibile in qualsiasi momento.

 

Sappiamo che questo argomento non è di facile comprensione, soprattutto a chi è esterno a questo sistema, e ci auguriamo di avervi fornito informazioni utili ed interessanti.

Come sempre, rimaniamo a disposizione per qualsiasi vostra necessità e siamo pronti a fornirvi supporto in caso di domande o chiarimenti.

#InsiemeNumeri1

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