Now the cat is out of the bag: 25.2 billion francs! This is how high the total costs for the new compensation model proposed by the State Council Social Commission are in the pension fund reform. This is shown by the latest calculations by the federal government.
With the new model, a transitional generation of 20 years will receive a pension supplement of up to a maximum of CHF 200 per month, graded according to income and age. Around 70 percent of the transition generations would receive a full supplement and 18 percent a partial supplement – for life. The rest get nothing.
The pension surcharge compensates for the reduction in the conversion rate from 6.8 to 6 percent. This means that when you retire, you only receive an annual pension of CHF 6,000 instead of CHF 6,800 on CHF 100,000 in retirement savings.
Bad cards for Dittli model
This means that the compensation model proposed by the FDP Council of States Josef Dittli (65, UR) is significantly more expensive than the variant decided by the National Council at CHF 9.1 billion. The chances of success of the Dittli model have deteriorated massively. The liberal is also aware of this.
“The amount surprised me too and with these numbers the proposal has no chance,” he admits to Blick. But that doesn’t mean the model is wrong. “If we adjust the parameters and reduce the circle of those entitled to claim, it will continue to provide a good basis for a compromise that can be won by a majority,” he is convinced. This could happen, for example, via an individual application or via the adjustment of differences in the National Council.
“The reform must not only pass in Parliament, but also at the ballot box,” he makes clear. With regard to a vote, he sees little chance of the National Council model, in which only around 35 to 40 percent would benefit from a pension supplement in a transitional generation of 15 years. “I see burnt black.”
SVP-Kuprecht against «vote buying»
SVP Councilor Alex Kuprecht (64, SZ) sees this very differently. In the small chamber, he leads the camp of those who want to help the National Council variant to achieve a breakthrough. With the new cost calculation, he has tailwind. “The commission model is far too expensive and makes insured persons happy with a pension supplement who don’t need it at all,” says Kuprecht. Increasing the number of recipients in order to have better chances at the ballot box is what he calls “vote buying”.
Kuprecht thinks it makes little sense to tinker with the Dittli model. “We have to focus on those insured persons who would effectively have to accept losses without compensation,” he emphasizes. “The National Council model best meets this objective.”
The middle social politicians also support Kuprecht’s proposal. Together, SVP and Mitte have 21 votes in the 46-strong Council of States. The SVP man is also counting on some votes from the FDP, which give preference to the National Council solution.
Social partner compromise off the table
On the other hand, the social partner compromise adopted by the Federal Council, which would cost at least around CHF 30 billion, is off the table. A left-green minority still sticks to it. But the solidary financing mechanism, which entails a kind of mini-AHV and thus a redistribution from higher to lower earners, is a no-go for the middle-class majority.
So the left should flock behind the Dittli model. “After all, it’s much better than the National Council variant,” says Green Councilor Maya Graf (60, BL). But even if the new model comes through, she leaves open whether she would support the BVG reform as a whole. “What matters is whether the overall package is right in the end,” says Graf. “Above all, small incomes and thus the pension situation of many women must be improved by adjusting the coordination deduction.”
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