{"id":3669,"date":"2018-05-25T10:43:13","date_gmt":"2018-05-25T08:43:13","guid":{"rendered":"https:\/\/www.organisator.ch\/?p=3669"},"modified":"2018-05-25T10:43:13","modified_gmt":"2018-05-25T08:43:13","slug":"teilzeitarbeit-das-muessen-sie-wissen","status":"publish","type":"post","link":"https:\/\/www.organisator.ch\/it\/management\/finanzen_recht\/2018-05-25\/teilzeitarbeit-das-muessen-sie-wissen\/","title":{"rendered":"Lavoro part-time: cosa c'\u00e8 da sapere"},"content":{"rendered":"
\"\"
Lavoro a tempo parziale: ecco cosa dovete sapere per assicurarvi che la vostra previdenza professionale funzioni ancora. (Immagine: zVg Tellco)<\/figcaption><\/figure>\n

Come dipendente a tempo parziale, devo organizzare da solo la mia previdenza professionale?<\/strong><\/h2>\n

\u00c8 importante, come dipendente part-time, tenere sempre d'occhio l'intero schema pensionistico in generale. Perch\u00e9 a seconda di quanto si lavora e dove, possono sorgere grandi lacune.
\nQuesto \u00e8 particolarmente vero per la previdenza professionale. Perch\u00e9 se qualcuno ha diversi lavori, allora si fa una distinzione tra occupazione principale e secondaria. E la linea laterale non deve essere assicurata nel fondo pensione. Questo \u00e8 uno svantaggio per il dipendente.<\/p>\n

Qual \u00e8 la mia occupazione principale, qual \u00e8 la mia occupazione secondaria? <\/strong><\/h2>\n

La differenza tra occupazione principale e secondaria non \u00e8 sempre chiara. Un carico di lavoro maggiore non significa automaticamente che questa sia l'occupazione principale. La decisione in questo caso \u00e8 presa dall'AVS sulla base di vari fattori. Una cosa \u00e8 chiara: il lavoro secondario non \u00e8 soggetto alla LPP, il che significa che il reddito del lavoro secondario non deve essere assicurato nella cassa pensione.<\/p>\n

Coloro che sono impiegati da diversi datori di lavoro in piccoli periodi devono fare attenzione. \u00c8 possibile che il salario individuale sia inferiore alla soglia d'entrata LPP di circa 21'000 CHF e non sia assicurato. Questa persona non ha quindi alcuna pensione professionale.<\/p>\n

Perch\u00e9 fa differenza per la mia previdenza professionale se lavoro a tempo parziale o a tempo pieno?<\/strong><\/h2>\n

La questione principale qui \u00e8 la cosiddetta deduzione di coordinamento secondo il regime obbligatorio della LPP. Si tratta di un importo fisso che il fondo pensione detrae dal vostro stipendio; ci\u00f2 che rimane \u00e8 assicurato. Questo importo rimane lo stesso sia che lavoriate 40% o 100%. Se hai due o pi\u00f9 lavori a tempo parziale e quindi due o pi\u00f9 fondi pensione, la deduzione di coordinamento viene sottratta ogni volta dal tuo stipendio. Questo significa che avete un salario assicurato complessivamente pi\u00f9 piccolo e che voi e il vostro datore di lavoro pagate meno contributi. Per molti impiegati part-time, questo significa che subiscono grandi perdite nelle loro pensioni.<\/p>\n

Come posso rispondere a questi svantaggi nel 2\u00b0 pilastro se lavoro a tempo parziale?<\/strong><\/h2>\n

Ci sono possibilit\u00e0, ma bisogna prenderle da soli:<\/p>\n

    \n
  1. Chiedete al vostro datore di lavoro di adattare la deduzione di coordinamento alla cassa pensioni al vostro grado di occupazione.
    \nIn linea di principio, molti fondi pensione offrono la possibilit\u00e0 di adattare la deduzione di coordinamento al grado di occupazione - anche il fondo pensione pro<\/a>. L'aggiustamento deve applicarsi in ogni caso a tutti i dipendenti a tempo parziale nella stessa linea di business (ad esempio tutti in ufficio o tutti in produzione). Alcuni datori di lavoro non fanno l'aggiustamento automaticamente perch\u00e9 in questo modo devono pagare meno contributi: Se il salario assicurato \u00e8 pi\u00f9 basso, questo costa anche al datore di lavoro meno contributi. Ma altri prendono sul serio la loro responsabilit\u00e0 sociale quando ne vengono a conoscenza. Ci sono anche alcuni impiegati che non vogliono esplicitamente che la deduzione di coordinamento sia adattata perch\u00e9 dipendono dal fatto di avere qualche franco in pi\u00f9 sul loro conto salariale alla fine del mese.<\/li>\n
  2. Se hai diversi lavori part-time: Cercate di assicurare il vostro stipendio cumulativamente con un unico fondo pensione.
    \nChiedete alla vostra cassa pensioni se \u00e8 possibile farvi assicurare l'intero stipendio. Questo vi aiuter\u00e0 ad evitare una doppia o tripla deduzione di coordinamento sul vostro salario assicurato.<\/li>\n
  3. Assicura il tuo stipendio con la Stiftung Auffangeinrichtung.
    \nMolte persone non sono consapevoli di questa possibilit\u00e0: Se hai un secondo lavoro e i tuoi guadagni non sono assicurati presso nessun fondo pensione (ad esempio perch\u00e9 sono anche al di sotto della soglia di ingresso), puoi fare domanda al     Fondazione per la ricezione<\/a> essere assicurati. Il tuo datore di lavoro deve anche contribuire almeno 50% ai costi di contribuzione.<\/li>\n<\/ol>\n

    Ha altre domande sulla sua previdenza professionale? I nostri specialisti della pensione vi consiglio volentieri<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

    Muss ich als Teilzeitangestellter meine berufliche Vorsorge selber regeln? Es ist wichtig, als Teilzeitangestellter stets seine gesamte Vorsorge generell im Auge zu behalten. Denn je nachdem, wie viel Sie wo arbeiten, k\u00f6nnen grosse L\u00fccken entstehen. Das gilt besonders f\u00fcr die berufliche Vorsorge. Denn wenn jemand mehrere Jobs hat, dann wird unterschieden zwischen Haupt- und Nebenerwerb. […]<\/p>\n","protected":false},"author":4,"featured_media":3670,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Teilzeitarbeit","_yoast_wpseo_metadesc":"Die wenigsten wissen dar\u00fcber Bescheid, doch wer Teilzeit arbeitet hat in der beruflichen Vorsorge unter Umst\u00e4nden grosse Nachteile. Auf was m\u00fcssen Sie achten und was haben Sie f\u00fcr M\u00f6glichkeiten?","articlekey":"","footnotes":""},"categories":[24],"tags":[115,377,476,516],"class_list":["post-3669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzen_recht","tag-checklisten","tag-pensionskassen","tag-teilzeitarbeit","tag-vorsorge"],"acf":[],"yoast_head":"\nTeilzeitarbeit: Das m\u00fcssen Sie wissen - Organisator<\/title>\n<meta name=\"description\" content=\"Die wenigsten wissen dar\u00fcber Bescheid, doch wer Teilzeit arbeitet hat in der beruflichen Vorsorge unter Umst\u00e4nden grosse Nachteile. 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