Versicherte:

Verzinsung Altersguthaben

<svg width=" 100%" height=" 100%" viewBox="0 0 38 34" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M3.98634 15.8149H2.98634V15.8149L3.98634 15.8149ZM3.98634 18.7778L3.28202 19.4877C3.6719 19.8745 4.30078 19.8745 4.69066 19.4877L3.98634 18.7778ZM7.677 16.5247C8.06906 16.1357 8.07154 15.5026 7.68256 15.1105C7.29357 14.7185 6.66041 14.716 6.26835 15.105L7.677 16.5247ZM1.70432 15.105C1.31227 14.716 0.679108 14.7185 0.290121 15.1105C-0.0988662 15.5026 -0.096379 16.1357 0.295676 16.5247L1.70432 15.105ZM30.8228 8.63485C31.1121 9.10534 31.7279 9.25226 32.1984 8.96302C32.6689 8.67378 32.8158 8.0579 32.5266 7.58741L30.8228 8.63485ZM27.302 2.36454C26.8316 2.07507 26.2157 2.2217 25.9262 2.69205C25.6367 3.16239 25.7834 3.77835 26.2537 4.06782L27.302 2.36454ZM19.6178 2.0171C20.1694 2.04413 20.6385 1.61886 20.6655 1.06723C20.6925 0.515612 20.2673 0.0465236 19.7157 0.019497L19.6178 2.0171ZM18.918 0C10.1266 3.57628e-07 2.98634 7.07316 2.98634 15.8149H4.98634C4.98634 8.19251 11.2164 2 18.918 2V0ZM2.98634 15.8149L2.98634 18.7778H4.98634L4.98634 15.8149L2.98634 15.8149ZM4.69066 19.4877L7.677 16.5247L6.26835 15.105L3.28202 18.0679L4.69066 19.4877ZM4.69066 18.0679L1.70432 15.105L0.295676 16.5247L3.28202 19.4877L4.69066 18.0679ZM32.5266 7.58741C31.2221 5.46541 29.4286 3.67336 27.302 2.36454L26.2537 4.06782C28.1146 5.21307 29.683 6.78088 30.8228 8.63485L32.5266 7.58741ZM19.7157 0.019497C19.4513 0.00654733 19.1854 0 18.918 0V2C19.1528 2 19.3861 2.00575 19.6178 2.0171L19.7157 0.019497Z" fill="currentColor"/> <path d="M18.5681 33V34V33ZM33.5569 18.1851H34.5569H33.5569ZM33.5569 15.2222L34.2599 14.5109C33.8703 14.1259 33.2435 14.1259 32.854 14.5109L33.5569 15.2222ZM29.8562 17.4739C29.4634 17.8622 29.4597 18.4953 29.8479 18.8881C30.2362 19.2809 30.8693 19.2846 31.2621 18.8964L29.8562 17.4739ZM35.8517 18.8964C36.2445 19.2846 36.8777 19.2809 37.2659 18.8881C37.6541 18.4953 37.6504 17.8622 37.2576 17.4739L35.8517 18.8964ZM6.61369 25.3637C6.32365 24.8937 5.70752 24.7478 5.23752 25.0379C4.76753 25.3279 4.62165 25.944 4.9117 26.414L6.61369 25.3637ZM17.9322 31.986C17.3805 31.9616 16.9135 32.3892 16.8891 32.9409C16.8648 33.4927 17.2923 33.9597 17.8441 33.984L17.9322 31.986ZM10.2609 31.7004C10.734 31.9854 11.3485 31.833 11.6336 31.3599C11.9186 30.8869 11.7662 30.2724 11.2931 29.9873L10.2609 31.7004ZM18.5681 34C27.3875 34 34.5569 26.9304 34.5569 18.1851H32.5569C32.5569 25.8039 26.305 32 18.5681 32V34ZM34.5569 18.1851V15.2222H32.5569V18.1851H34.5569ZM32.854 14.5109L29.8562 17.4739L31.2621 18.8964L34.2599 15.9334L32.854 14.5109ZM32.854 15.9334L35.8517 18.8964L37.2576 17.4739L34.2599 14.5109L32.854 15.9334ZM17.8441 33.984C18.0842 33.9946 18.3255 34 18.5681 34V32C18.355 32 18.143 31.9953 17.9322 31.986L17.8441 33.984ZM4.9117 26.414C6.24277 28.5709 8.08062 30.3866 10.2609 31.7004L11.2931 29.9873C9.38416 28.837 7.77654 27.248 6.61369 25.3637L4.9117 26.414Z" fill="currentColor"/> <path d="M13 22V13" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M25 17.5L25 22" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M19 16C22.3137 16 25 14.6569 25 13C25 11.3431 22.3137 10 19 10C15.6863 10 13 11.3431 13 13C13 14.6569 15.6863 16 19 16Z" stroke="currentColor" stroke-width="2"/> <path d="M25 17.5C25 19.1569 22.3137 20.5 19 20.5C15.6863 20.5 13 19.1569 13 17.5" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M25 22C25 23.6569 22.3137 25 19 25C15.6863 25 13 23.6569 13 22" stroke="currentColor" stroke-width="2"/> </svg>

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M14.5 13H7M14.5 13C17.3284 13 18.7426 13 19.6213 12.1213C20.5 11.2426 20.5 9.82843 20.5 7M14.5 13V1.75M7 13C4.17157 13 2.75736 13 1.87868 12.1213C1 11.2426 1 9.82843 1 7H7M7 13L7 1.75M20.5 7C20.5 4.17157 20.5 2.75736 19.6213 1.87868C18.7426 1 17.3284 1 14.5 1H7C4.17157 1 2.75736 1 1.87868 1.87868M20.5 7H14.5M28.6213 19.8787C27.7426 19 26.3284 19 23.5 19H19C16.1716 19 14.7574 19 13.8787 19.8787C13 20.7574 13 22.1716 13 25C13 27.8284 13 29.2426 13.8787 30.1213C14.7574 31 16.1716 31 19 31H23.5C26.3284 31 27.7426 31 28.6213 30.1213C29.5 29.2426 29.5 27.8284 29.5 25H24.25M18.25 19.75V31M24.25 19.75V31M14.5 25H18.25M29.5 14.5V13C29.5 11.6022 29.5 9.40326 29.2716 8.85195C28.9672 8.11687 28.3831 7.53284 27.6481 7.22836C27.0967 7 26.3978 7 25 7M29.5 14.5L31 13M29.5 14.5L28 13M2.5 17.5V19C2.5 20.3978 2.5 22.5967 2.72836 23.1481C3.03284 23.8831 3.61687 24.4672 4.35195 24.7716C4.90326 25 5.60218 25 7 25M2.5 17.5L1 19M2.5 17.5L4 19" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </svg>

Übertragung Vorsorgeguthaben

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.5 1.75V5.5C17.5 9.03553 17.5 10.8033 18.5983 11.9017C19.6967 13 21.4645 13 25 13H31" stroke="currentColor" stroke-width="2"/> <path d="M7 22.75L9 25L13 20.5" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> <path d="M2 13C2 12.4477 1.55228 12 1 12C0.447715 12 0 12.4477 0 13H2ZM30 19C30 19.5523 30.4477 20 31 20C31.5523 20 32 19.5523 32 19H30ZM21.0894 4.08047L20.4204 4.82376L21.0894 4.08047ZM27.0276 9.42482L26.3586 10.1681L27.0276 9.42482ZM30.481 13.2311L29.5675 13.638V13.638L30.481 13.2311ZM2.75736 29.2426L3.46447 28.5355L3.46447 28.5355L2.75736 29.2426ZM29.2426 29.2426L28.5355 28.5355L28.5355 28.5355L29.2426 29.2426ZM0.157041 6.90211C0.102978 7.45174 0.504716 7.94113 1.05435 7.9952C1.60398 8.04926 2.09337 7.64752 2.14744 7.09789L0.157041 6.90211ZM31.843 25.0979C31.897 24.5483 31.4953 24.0589 30.9457 24.0048C30.396 23.9507 29.9066 24.3525 29.8526 24.9021L31.843 25.0979ZM19 30H13V32H19V30ZM2 19V13H0V19H2ZM30 18.3443V19H32V18.3443H30ZM20.4204 4.82376L26.3586 10.1681L27.6965 8.68152L21.7584 3.33718L20.4204 4.82376ZM32 18.3443C32 15.8008 32.0202 14.2292 31.3945 12.8243L29.5675 13.638C29.9798 14.5638 30 15.6241 30 18.3443H32ZM26.3586 10.1681C28.3806 11.9879 29.1552 12.7122 29.5675 13.638L31.3945 12.8243C30.7688 11.4194 29.5872 10.3831 27.6965 8.68152L26.3586 10.1681ZM13.0447 2C15.4079 2 16.3309 2.01544 17.1556 2.3319L17.8721 0.464657C16.621 -0.0154384 15.2565 0 13.0447 0V2ZM21.7584 3.33718C20.1224 1.8648 19.1231 0.944698 17.8721 0.464657L17.1556 2.3319C17.9804 2.64841 18.6728 3.25092 20.4204 4.82376L21.7584 3.33718ZM13 30C10.1433 30 8.10138 29.9979 6.54962 29.7892C5.02662 29.5845 4.12638 29.1974 3.46447 28.5355L2.05025 29.9497C3.1457 31.0452 4.53835 31.5368 6.28312 31.7714C7.99913 32.0021 10.1998 32 13 32V30ZM0 19C0 21.8002 -0.00212371 24.0009 0.228587 25.7169C0.463166 27.4617 0.954804 28.8543 2.05025 29.9497L3.46447 28.5355C2.80256 27.8736 2.41551 26.9734 2.21075 25.4504C2.00212 23.8986 2 21.8567 2 19H0ZM19 32C21.8002 32 24.0009 32.0021 25.7169 31.7714C27.4617 31.5368 28.8543 31.0452 29.9497 29.9497L28.5355 28.5355C27.8736 29.1974 26.9734 29.5845 25.4504 29.7892C23.8986 29.9979 21.8567 30 19 30V32ZM13.0447 0C10.2295 0 8.01799 -0.00210583 6.29489 0.228507C4.54378 0.46287 3.14648 0.954024 2.05025 2.05025L3.46447 3.46447C4.1256 2.80333 5.02864 2.41581 6.56019 2.21083C8.11976 2.00211 10.1732 2 13.0447 2V0ZM2.14744 7.09789C2.33064 5.23538 2.727 4.20193 3.46447 3.46447L2.05025 2.05025C0.828172 3.27233 0.357488 4.86428 0.157041 6.90211L2.14744 7.09789ZM29.8526 24.9021C29.6694 26.7646 29.273 27.7981 28.5355 28.5355L29.9497 29.9497C31.1718 28.7277 31.6425 27.1357 31.843 25.0979L29.8526 24.9021Z" fill="currentColor"/> </svg>

Vorsorgeausweis

<svg width=" 100%" height=" 100%" viewBox="0 0 38 34" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M3.98634 15.8149H2.98634V15.8149L3.98634 15.8149ZM3.98634 18.7778L3.28202 19.4877C3.6719 19.8745 4.30078 19.8745 4.69066 19.4877L3.98634 18.7778ZM7.677 16.5247C8.06906 16.1357 8.07154 15.5026 7.68256 15.1105C7.29357 14.7185 6.66041 14.716 6.26835 15.105L7.677 16.5247ZM1.70432 15.105C1.31227 14.716 0.679108 14.7185 0.290121 15.1105C-0.0988662 15.5026 -0.096379 16.1357 0.295676 16.5247L1.70432 15.105ZM30.8228 8.63485C31.1121 9.10534 31.7279 9.25226 32.1984 8.96302C32.6689 8.67378 32.8158 8.0579 32.5266 7.58741L30.8228 8.63485ZM27.302 2.36454C26.8316 2.07507 26.2157 2.2217 25.9262 2.69205C25.6367 3.16239 25.7834 3.77835 26.2537 4.06782L27.302 2.36454ZM19.6178 2.0171C20.1694 2.04413 20.6385 1.61886 20.6655 1.06723C20.6925 0.515612 20.2673 0.0465236 19.7157 0.019497L19.6178 2.0171ZM18.918 0C10.1266 3.57628e-07 2.98634 7.07316 2.98634 15.8149H4.98634C4.98634 8.19251 11.2164 2 18.918 2V0ZM2.98634 15.8149L2.98634 18.7778H4.98634L4.98634 15.8149L2.98634 15.8149ZM4.69066 19.4877L7.677 16.5247L6.26835 15.105L3.28202 18.0679L4.69066 19.4877ZM4.69066 18.0679L1.70432 15.105L0.295676 16.5247L3.28202 19.4877L4.69066 18.0679ZM32.5266 7.58741C31.2221 5.46541 29.4286 3.67336 27.302 2.36454L26.2537 4.06782C28.1146 5.21307 29.683 6.78088 30.8228 8.63485L32.5266 7.58741ZM19.7157 0.019497C19.4513 0.00654733 19.1854 0 18.918 0V2C19.1528 2 19.3861 2.00575 19.6178 2.0171L19.7157 0.019497Z" fill="currentColor"/> <path d="M18.5681 33V34V33ZM33.5569 18.1851H34.5569H33.5569ZM33.5569 15.2222L34.2599 14.5109C33.8703 14.1259 33.2435 14.1259 32.854 14.5109L33.5569 15.2222ZM29.8562 17.4739C29.4634 17.8622 29.4597 18.4953 29.8479 18.8881C30.2362 19.2809 30.8693 19.2846 31.2621 18.8964L29.8562 17.4739ZM35.8517 18.8964C36.2445 19.2846 36.8777 19.2809 37.2659 18.8881C37.6541 18.4953 37.6504 17.8622 37.2576 17.4739L35.8517 18.8964ZM6.61369 25.3637C6.32365 24.8937 5.70752 24.7478 5.23752 25.0379C4.76753 25.3279 4.62165 25.944 4.9117 26.414L6.61369 25.3637ZM17.9322 31.986C17.3805 31.9616 16.9135 32.3892 16.8891 32.9409C16.8648 33.4927 17.2923 33.9597 17.8441 33.984L17.9322 31.986ZM10.2609 31.7004C10.734 31.9854 11.3485 31.833 11.6336 31.3599C11.9186 30.8869 11.7662 30.2724 11.2931 29.9873L10.2609 31.7004ZM18.5681 34C27.3875 34 34.5569 26.9304 34.5569 18.1851H32.5569C32.5569 25.8039 26.305 32 18.5681 32V34ZM34.5569 18.1851V15.2222H32.5569V18.1851H34.5569ZM32.854 14.5109L29.8562 17.4739L31.2621 18.8964L34.2599 15.9334L32.854 14.5109ZM32.854 15.9334L35.8517 18.8964L37.2576 17.4739L34.2599 14.5109L32.854 15.9334ZM17.8441 33.984C18.0842 33.9946 18.3255 34 18.5681 34V32C18.355 32 18.143 31.9953 17.9322 31.986L17.8441 33.984ZM4.9117 26.414C6.24277 28.5709 8.08062 30.3866 10.2609 31.7004L11.2931 29.9873C9.38416 28.837 7.77654 27.248 6.61369 25.3637L4.9117 26.414Z" fill="currentColor"/> <path d="M13 22V13" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M25 17.5L25 22" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M19 16C22.3137 16 25 14.6569 25 13C25 11.3431 22.3137 10 19 10C15.6863 10 13 11.3431 13 13C13 14.6569 15.6863 16 19 16Z" stroke="currentColor" stroke-width="2"/> <path d="M25 17.5C25 19.1569 22.3137 20.5 19 20.5C15.6863 20.5 13 19.1569 13 17.5" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M25 22C25 23.6569 22.3137 25 19 25C15.6863 25 13 23.6569 13 22" stroke="currentColor" stroke-width="2"/> </svg>

Verzinsung Altersguthaben

<svg width=" 100%" height=" 100%" viewBox="0 0 31 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M28.1448 21.4803C27.2967 25.7211 26.8726 27.8415 25.4713 29.2072C25.2123 29.4596 24.9322 29.6893 24.6339 29.8938C23.0199 31 20.8575 31 16.5327 31H13.8438C9.51905 31 7.35666 31 5.74269 29.8938C5.44439 29.6893 5.1642 29.4596 4.90521 29.2072C3.50394 27.8415 3.07986 25.7211 2.2317 21.4803C1.01402 15.3919 0.405175 12.3477 1.80675 10.1905C2.06052 9.79996 2.35673 9.43865 2.68996 9.1132C4.53034 7.3158 7.63484 7.3158 13.8438 7.3158H16.5327C22.7417 7.3158 25.8462 7.3158 27.6866 9.1132C28.0198 9.43865 28.316 9.79996 28.5698 10.1905C29.3768 11.4326 29.5173 12.9686 29.2588 15.2105" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <circle cx="19.9227" cy="13.6316" r="1.57895" fill="currentColor"/> <circle cx="10.4491" cy="13.6316" r="1.57895" fill="currentColor"/> <path d="M10.4492 7.31579V5.73684C10.4492 3.12076 12.57 1 15.1861 1C17.8021 1 19.9229 3.12076 19.9229 5.73684V7.31579" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> </svg>

Einkauf

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M11.5 22C12.7756 22.9455 14.3268 23.5 16 23.5C17.6732 23.5 19.2244 22.9455 20.5 22" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M31 16.3059V18.5874C31 24.4388 31 27.3644 29.2426 29.1822C27.4853 31 24.6569 31 19 31H13C7.34315 31 4.51472 31 2.75736 29.1822C1 27.3644 1 24.4388 1 18.5874V16.3059C1 12.8732 1 11.1569 1.7788 9.73411C2.5576 8.31131 3.98042 7.42827 6.82605 5.66219L9.82605 3.80031C12.8341 1.93344 14.3381 1 16 1C17.6619 1 19.1659 1.93343 22.1739 3.8003L25.1739 5.66219C28.0196 7.42827 29.4424 8.31131 30.2212 9.73411" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> </svg>

Wohneigentumsförderung

<svg width=" 100%" height=" 100%" viewBox="0 0 32 20" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M19 10C19 14.9706 14.9706 19 10 19C5.02944 19 1 14.9706 1 10C1 5.02944 5.02944 1 10 1" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M13 10C13 5.02944 17.0294 1 22 1M22 19C26.9706 19 31 14.9706 31 10C31 8.15989 30.4478 6.44877 29.5 5.02331" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> </svg>

Lebenspartnerschaft

<svg width=" 100%" height=" 100%" viewBox="0 0 37 29" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M20.2471 1C25.1961 1 27.6706 1 29.2081 2.53746C30.7455 4.07492 30.7455 6.54942 30.7455 11.4984C30.7455 16.4474 30.7455 18.9219 29.2081 20.4594C27.6706 21.9969 25.1961 21.9969 20.2471 21.9969H11.4984C6.54942 21.9969 4.07492 21.9969 2.53746 20.4594C1 18.9219 1 16.4474 1 11.4984C1 6.54942 1 4.07492 2.53746 2.53746C4.07492 1 6.54942 1 11.4984 1H13.2482" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M25.5046 27.2462H16.7559C11.8069 27.2462 9.33236 27.2462 7.7949 25.7088C6.93772 24.8516 6.55844 23.7031 6.39062 21.9969M34.4655 25.7088C36.003 24.1713 36.003 21.6968 36.003 16.7478C36.003 11.7988 36.003 9.3243 34.4655 7.78684C33.6084 6.92967 32.4599 6.55039 30.7538 6.38257" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M20.2487 11.4985C20.2487 13.9144 18.2902 15.8728 15.8743 15.8728C13.4585 15.8728 11.5 13.9144 11.5 11.4985C11.5 9.08261 13.4585 7.12415 15.8743 7.12415C18.2902 7.12415 20.2487 9.08261 20.2487 11.4985Z" stroke="currentColor" stroke-width="2"/> <path d="M25.5 14.9979L25.5 7.99897" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M6.25 14.9979L6.25 7.99897" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> </svg>

Steuern

<svg width=" 100%" height=" 100%" viewBox="0 0 32 31" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M23.4912 12.5536L26.6677 15.4124C29.556 18.0119 31.0002 19.3117 31.0002 20.9795C31.0002 22.6473 29.556 23.947 26.6677 26.5465L23.4912 29.4054" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M8.50899 1L5.33248 3.85886C2.44416 6.45834 1 7.75809 1 9.4259C1 11.0937 2.44416 12.3935 5.33248 14.9929L8.50899 17.8518" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M19.7176 1.31909L17.8576 8.26096M15.7039 16.2985L12.2773 29.0866" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> </svg>

Scheidung

<svg width=" 100%" height=" 100%" viewBox="0 0 31 31" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.6745 9.18084L11.2528 2.7591C10.1265 1.63277 8.59882 1 7.00594 1C5.41307 1 3.88543 1.63277 2.7591 2.7591C1.63277 3.88543 1 5.41307 1 7.00594C1 8.59882 1.63277 10.1265 2.7591 11.2528L19.7479 28.2402C20.8743 29.3665 22.4019 29.9993 23.9948 29.9993C24.7835 29.9993 25.5645 29.8439 26.2931 29.5421C27.0218 29.2403 27.6839 28.7979 28.2416 28.2402C28.7993 27.6825 29.2417 27.0204 29.5435 26.2917C29.8454 25.563 30.0007 24.782 30.0007 23.9933C30.0007 23.2046 29.8454 22.4236 29.5435 21.6949C29.2417 20.9663 28.7993 20.3042 28.2416 19.7465L21.9228 13.4277" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M15.4995 23.9933L11.2527 28.2402C10.6084 28.8847 9.82591 29.3741 8.96447 29.6714C8.10303 29.9687 7.18523 30.0661 6.28059 29.9561C5.37595 29.8462 4.5082 29.5318 3.74306 29.0368C2.97792 28.5418 2.33546 27.8791 1.86436 27.0991M7.00581 15.4996L2.75896 19.7465C2.29209 20.2134 1.91801 20.7397 1.63672 21.2993M15.4995 7.00594L19.7463 2.7591C20.304 2.2014 20.9661 1.759 21.6948 1.45718C22.4235 1.15535 23.2045 1 23.9932 1C24.7819 1 25.5629 1.15535 26.2916 1.45718C27.0202 1.759 27.6823 2.2014 28.24 2.7591C28.7977 3.3168 29.2401 3.97889 29.5419 4.70757C29.8438 5.43624 29.9991 6.21723 29.9991 7.00594C29.9991 7.79466 29.8438 8.57564 29.5419 9.30432C29.2401 10.033 28.7977 10.6951 28.24 11.2528L23.9917 15.4996" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M21.07 16.7626C21.1807 16.8676 21.2694 16.9937 21.3306 17.1335C21.3918 17.2733 21.4244 17.4239 21.4265 17.5765C21.4285 17.7291 21.3999 17.8806 21.3425 18.022C21.285 18.1634 21.1998 18.2918 21.0919 18.3997C20.984 18.5077 20.8555 18.5929 20.7142 18.6503C20.5728 18.7078 20.4213 18.7363 20.2687 18.7343C20.1161 18.7322 19.9654 18.6996 19.8256 18.6384C19.6858 18.5772 19.5597 18.4886 19.4547 18.3778C19.2499 18.1617 19.1376 17.8742 19.1416 17.5765C19.1456 17.2788 19.2656 16.9945 19.4761 16.7839C19.6866 16.5734 19.971 16.4534 20.2687 16.4494C20.5664 16.4454 20.8539 16.5578 21.07 16.7626ZM15.6878 11.3804C15.5818 11.2744 15.4559 11.1903 15.3173 11.1329C15.1787 11.0755 15.0302 11.0459 14.8802 11.0459C14.7302 11.0459 14.5817 11.0755 14.4431 11.1329C14.3046 11.1903 14.1787 11.2744 14.0726 11.3804C13.9666 11.4865 13.8824 11.6124 13.825 11.751C13.7676 11.8896 13.7381 12.0381 13.7381 12.1881C13.7381 12.338 13.7676 12.4866 13.825 12.6251C13.8824 12.7637 13.9666 12.8896 14.0726 12.9957C14.2868 13.2099 14.5773 13.3302 14.8802 13.3302C15.1831 13.3302 15.4736 13.2099 15.6878 12.9957C15.902 12.7815 16.0224 12.491 16.0224 12.1881C16.0224 11.8851 15.902 11.5946 15.6878 11.3804ZM22.417 20.8006C22.523 20.9067 22.6071 21.0326 22.6645 21.1712C22.7219 21.3097 22.7515 21.4583 22.7515 21.6082C22.7515 21.7582 22.7219 21.9068 22.6645 22.0453C22.6071 22.1839 22.523 22.3098 22.417 22.4159C22.3109 22.5219 22.185 22.606 22.0464 22.6634C21.9078 22.7208 21.7593 22.7504 21.6093 22.7504C21.4594 22.7504 21.3108 22.7208 21.1723 22.6634C21.0337 22.606 20.9078 22.5219 20.8017 22.4159C20.5875 22.2017 20.4672 21.9112 20.4672 21.6082C20.4672 21.3053 20.5875 21.0148 20.8017 20.8006C21.0159 20.5864 21.3064 20.4661 21.6093 20.4661C21.9123 20.4661 22.2028 20.5864 22.417 20.8006ZM11.6512 10.0335C11.545 9.92731 11.4189 9.84313 11.2801 9.78571C11.1413 9.7283 10.9926 9.69879 10.8424 9.69885C10.6922 9.69892 10.5435 9.72857 10.4048 9.78611C10.266 9.84364 10.14 9.92794 10.0338 10.0342C9.92768 10.1404 9.84349 10.2666 9.78608 10.4053C9.72867 10.5441 9.69915 10.6928 9.69922 10.843C9.69929 10.9932 9.72893 11.1419 9.78647 11.2807C9.84401 11.4194 9.92831 11.5454 10.0346 11.6516C10.2491 11.866 10.5401 11.9863 10.8434 11.9862C11.1467 11.9861 11.4376 11.8654 11.652 11.6509C11.8663 11.4363 11.9867 11.1453 11.9866 10.842C11.9864 10.5387 11.8658 10.2478 11.6512 10.0335ZM17.0334 15.4171C17.2476 15.6311 17.368 15.9214 17.3681 16.2241C17.3682 16.5269 17.2481 16.8174 17.0341 17.0315C16.8201 17.2457 16.5298 17.3661 16.227 17.3663C15.9242 17.3664 15.6338 17.2463 15.4196 17.0323C15.2054 16.8183 15.085 16.528 15.0849 16.2252C15.0847 15.9224 15.2049 15.632 15.4189 15.4178C15.6329 15.2036 15.9232 15.0832 16.226 15.083C16.5287 15.0829 16.8192 15.2031 17.0334 15.4171ZM18.3789 19.4551C18.492 19.5595 18.5828 19.6857 18.6459 19.8261C18.709 19.9665 18.743 20.1181 18.7461 20.272C18.7491 20.4259 18.721 20.5788 18.6635 20.7215C18.6059 20.8643 18.5202 20.994 18.4113 21.1027C18.3024 21.2115 18.1727 21.2972 18.0299 21.3546C17.8871 21.412 17.7341 21.4399 17.5803 21.4368C17.4264 21.4336 17.2747 21.3994 17.1344 21.3362C16.9941 21.273 16.868 21.182 16.7637 21.0689C16.5637 20.8519 16.4554 20.566 16.4614 20.271C16.4675 19.976 16.5875 19.6948 16.7962 19.4862C17.0049 19.2777 17.2863 19.1579 17.5813 19.1521C17.8763 19.1463 18.1621 19.2549 18.3789 19.4551ZM12.9968 14.0715C12.8907 13.9655 12.7648 13.8813 12.6262 13.8239C12.4877 13.7665 12.3391 13.737 12.1891 13.737C12.0392 13.737 11.8906 13.7665 11.7521 13.8239C11.6135 13.8813 11.4876 13.9655 11.3815 14.0715C11.2755 14.1776 11.1914 14.3035 11.134 14.4421C11.0766 14.5806 11.047 14.7291 11.047 14.8791C11.047 15.0291 11.0766 15.1776 11.134 15.3162C11.1914 15.4548 11.2755 15.5807 11.3815 15.6867C11.5957 15.9009 11.8862 16.0213 12.1891 16.0213C12.4921 16.0213 12.7826 15.9009 12.9968 15.6867C13.211 15.4725 13.3313 15.182 13.3313 14.8791C13.3313 14.5762 13.211 14.2857 12.9968 14.0715Z" fill="currentColor"/> </svg>

Arbeitsunfähigkeit

<svg width=" 100%" height=" 100%" viewBox="0 0 33 34" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M5.9682 30.9727C5.95311 31.5248 6.38843 31.9845 6.94051 31.9996C7.49258 32.0147 7.95237 31.5794 7.96746 31.0273L5.9682 30.9727ZM11.1516 12.6965L12.0913 13.0385L11.1516 12.6965ZM24.1546 9.70704C24.5343 10.1081 25.1672 10.1254 25.5682 9.7457C25.9693 9.36599 25.9866 8.73306 25.6069 8.33201L24.1546 9.70704ZM2.8826 0.0610436C2.33394 0.124197 1.94036 0.620172 2.00351 1.16883C2.06667 1.7175 2.56264 2.11108 3.1113 2.04792L2.8826 0.0610436ZM25.5242 33.2294C26.0764 33.2294 26.5242 32.7817 26.5242 32.2294C26.5242 31.6771 26.0764 31.2294 25.5242 31.2294V33.2294ZM17.6589 31.2294C17.1066 31.2294 16.6589 31.6771 16.6589 32.2294C16.6589 32.7817 17.1066 33.2294 17.6589 33.2294V31.2294ZM28.3332 29.1254C28.8855 29.1254 29.3332 28.6777 29.3332 28.1254C29.3332 27.5731 28.8855 27.1254 28.3332 27.1254V29.1254ZM14.8499 27.1254C14.2976 27.1254 13.8499 27.5731 13.8499 28.1254C13.8499 28.6777 14.2976 29.1254 14.8499 29.1254V27.1254ZM31.1422 25.0214C31.6945 25.0214 32.1422 24.5737 32.1422 24.0214C32.1422 23.4692 31.6945 23.0214 31.1422 23.0214V25.0214ZM2.96774 23.0214C2.41546 23.0214 1.96774 23.4692 1.96774 24.0214C1.96774 24.5737 2.41546 25.0214 2.96774 25.0214V23.0214ZM23.6272 19.121C24.1542 19.2861 24.7153 18.9927 24.8804 18.4657C25.0455 17.9387 24.7521 17.3776 24.2251 17.2125L23.6272 19.121ZM29.1257 21.5817C28.9211 21.0687 28.3394 20.8187 27.8264 21.0233C27.3134 21.2278 27.0634 21.8095 27.268 22.3225L29.1257 21.5817ZM13.2597 7.77425C12.7077 7.75917 12.2479 8.1945 12.2328 8.74658C12.2177 9.29866 12.6531 9.75843 13.2051 9.7735L13.2597 7.77425ZM20.3195 17.8229C20.3045 18.375 20.7398 18.8348 21.2918 18.8498C21.8439 18.8649 22.3037 18.4296 22.3188 17.8776L20.3195 17.8229ZM11.7672 9.43988C12.2739 9.65954 12.8627 9.42682 13.0824 8.9201C13.3021 8.41338 13.0693 7.82453 12.5626 7.60487L11.7672 9.43988ZM0.0824804 12.9331C-0.137158 13.4398 0.0955774 14.0286 0.602309 14.2483C1.10904 14.4679 1.69788 14.2352 1.91752 13.7284L0.0824804 12.9331ZM6.96783 31C7.96746 31.0273 7.96745 31.0275 7.96745 31.0277C7.96745 31.0278 7.96744 31.0279 7.96744 31.028C7.96744 31.0281 7.96744 31.0281 7.96744 31.0279C7.96745 31.0277 7.96747 31.027 7.9675 31.0259C7.96757 31.0236 7.96771 31.0196 7.96791 31.0137C7.96832 31.0021 7.96902 30.9835 7.97013 30.9578C7.97234 30.9066 7.97617 30.8277 7.98248 30.7218C7.9951 30.5102 8.01766 30.1914 8.0571 29.7725C8.13598 28.9349 8.2824 27.6977 8.55198 26.1199C9.09117 22.9641 10.1228 18.447 12.0913 13.0385L10.2119 12.3545C8.19788 17.888 7.13761 22.5226 6.58055 25.7831C6.302 27.4134 6.14921 28.7005 6.06591 29.585C6.02425 30.0273 5.99997 30.369 5.98603 30.6028C5.97906 30.7196 5.97467 30.8095 5.972 30.8715C5.97066 30.9024 5.96974 30.9264 5.96915 30.9434C5.96885 30.9518 5.96863 30.9585 5.96848 30.9634C5.9684 30.9658 5.96834 30.9678 5.9683 30.9694C5.96828 30.9701 5.96826 30.9708 5.96824 30.9714C5.96823 30.9716 5.96822 30.972 5.96822 30.9721C5.96821 30.9724 5.9682 30.9727 6.96783 31ZM12.0913 13.0385L13.6843 8.66178L11.8049 7.97774L10.2119 12.3545L12.0913 13.0385ZM12.7446 8.31976C13.4321 9.0459 13.4319 9.04616 13.4316 9.0464C13.4316 9.04646 13.4313 9.04669 13.4312 9.04681C13.4309 9.04707 13.4307 9.04726 13.4305 9.04741C13.4302 9.0477 13.4302 9.04778 13.4303 9.04765C13.4306 9.04739 13.4317 9.04631 13.4338 9.04443C13.4378 9.04068 13.4454 9.03375 13.4563 9.02392C13.4783 9.00424 13.5137 8.97297 13.5618 8.93219C13.6583 8.85054 13.805 8.73136 13.996 8.59104C14.3795 8.30921 14.9321 7.94881 15.6049 7.63503C16.9576 7.00422 18.7093 6.59834 20.5604 7.2721L21.2445 5.39271C18.719 4.47354 16.3918 5.06133 14.7597 5.82243C13.9401 6.20461 13.2739 6.63972 12.8116 6.97942C12.5797 7.14986 12.3969 7.29795 12.2694 7.40587C12.2056 7.45988 12.1555 7.50397 12.1199 7.53596C12.1021 7.55196 12.0879 7.56494 12.0774 7.57464C12.0721 7.57949 12.0678 7.58352 12.0644 7.58669C12.0627 7.58828 12.0613 7.58965 12.06 7.59081C12.0594 7.59138 12.0589 7.59191 12.0584 7.59238C12.0581 7.59261 12.0578 7.59292 12.0577 7.59304C12.0574 7.59333 12.0571 7.59362 12.7446 8.31976ZM20.5604 7.2721C21.5124 7.6186 22.4107 8.21843 23.0905 8.75795C23.4255 9.02378 23.6966 9.26624 23.8823 9.44064C23.975 9.52766 24.0458 9.59721 24.0922 9.64362C24.1154 9.66681 24.1324 9.68417 24.1429 9.69499C24.1482 9.7004 24.1518 9.70417 24.1538 9.70621C24.1547 9.70723 24.1553 9.70782 24.1554 9.70796C24.1555 9.70803 24.1555 9.70799 24.1553 9.70784C24.1552 9.70776 24.1551 9.70766 24.155 9.70753C24.155 9.70746 24.1548 9.70734 24.1548 9.70731C24.1547 9.70718 24.1546 9.70704 24.8807 9.01953C25.6069 8.33201 25.6068 8.33186 25.6066 8.3317C25.6066 8.33164 25.6064 8.33148 25.6063 8.33136C25.606 8.33111 25.6058 8.33083 25.6055 8.33053C25.6049 8.32992 25.6042 8.32919 25.6034 8.32835C25.6018 8.32667 25.5998 8.32453 25.5973 8.32195C25.5924 8.31679 25.5857 8.30984 25.5773 8.30121C25.5605 8.28395 25.5369 8.25991 25.5069 8.22985C25.4468 8.16975 25.3607 8.08537 25.2514 7.98269C25.0331 7.77771 24.7199 7.49773 24.3338 7.19134C23.5716 6.58641 22.4807 5.84268 21.2445 5.39271L20.5604 7.2721ZM12.7446 8.31976C13.738 8.20526 13.738 8.20485 13.7379 8.20442C13.7379 8.20425 13.7379 8.20381 13.7378 8.20347C13.7377 8.20279 13.7376 8.20203 13.7375 8.20119C13.7373 8.19952 13.7371 8.19753 13.7368 8.19522C13.7363 8.19061 13.7355 8.18474 13.7346 8.17765C13.7328 8.16347 13.7303 8.14439 13.7269 8.12068C13.7202 8.07328 13.7101 8.0073 13.696 7.92493C13.6677 7.76033 13.6228 7.52936 13.5546 7.24969C13.4187 6.69231 13.1879 5.93071 12.8057 5.11114C12.0444 3.47899 10.6392 1.5327 8.11378 0.613536L7.42974 2.49292C9.2809 3.16669 10.3621 4.60367 10.9931 5.95655C11.307 6.6295 11.4988 7.26085 11.6115 7.7233C11.6676 7.95354 11.7035 8.13921 11.7249 8.26376C11.7356 8.32596 11.7426 8.37269 11.7468 8.40186C11.7488 8.41643 11.7502 8.4266 11.7509 8.43209C11.7512 8.43484 11.7514 8.43641 11.7515 8.43679C11.7515 8.43697 11.7515 8.43686 11.7514 8.43644C11.7514 8.43623 11.7514 8.43594 11.7513 8.43558C11.7513 8.4354 11.7513 8.43507 11.7513 8.43498C11.7512 8.43463 11.7512 8.43426 12.7446 8.31976ZM8.11378 0.613536C6.8775 0.16357 5.56381 0.0321183 4.59105 0.00555414C4.09836 -0.00790036 3.67846 0.00525516 3.37948 0.0219687C3.22971 0.0303405 3.10954 0.0396476 3.0249 0.0470796C2.98256 0.0507973 2.94904 0.0540515 2.9251 0.0564932C2.91312 0.0577143 2.90353 0.0587329 2.89642 0.0595056C2.89286 0.0598919 2.88993 0.0602169 2.88762 0.060475C2.88647 0.0606041 2.88547 0.0607165 2.88464 0.0608114C2.88422 0.0608589 2.88384 0.0609021 2.8835 0.0609407C2.88333 0.0609601 2.88311 0.0609858 2.88302 0.0609955C2.88281 0.0610201 2.8826 0.0610436 2.99695 1.05448C3.1113 2.04792 3.11112 2.04795 3.11094 2.04797C3.1109 2.04797 3.11073 2.04799 3.11064 2.048C3.11046 2.04802 3.11032 2.04804 3.11022 2.04805C3.11001 2.04807 3.10995 2.04808 3.11005 2.04807C3.11025 2.04805 3.11106 2.04796 3.11246 2.0478C3.11527 2.0475 3.12047 2.04694 3.12798 2.04618C3.14299 2.04465 3.16718 2.04228 3.19984 2.03941C3.26519 2.03368 3.36419 2.02595 3.4911 2.01885C3.74548 2.00463 4.10898 1.99314 4.53645 2.00481C5.40403 2.0285 6.47773 2.14642 7.42974 2.49292L8.11378 0.613536ZM25.5242 31.2294H17.6589V33.2294H25.5242V31.2294ZM28.3332 27.1254H14.8499V29.1254H28.3332V27.1254ZM31.1422 23.0214H28.5954V25.0214H31.1422V23.0214ZM28.5954 23.0214H14.5877V25.0214H28.5954V23.0214ZM14.5877 23.0214H2.96774V25.0214H14.5877V23.0214ZM21.5915 16.8135C17.2879 16.8135 13.5877 19.9306 13.5877 24.0214H15.5877C15.5877 21.2552 18.1589 18.8135 21.5915 18.8135V16.8135ZM24.2251 17.2125C23.3983 16.9535 22.5117 16.8135 21.5915 16.8135V18.8135C22.3086 18.8135 22.9936 18.9225 23.6272 19.121L24.2251 17.2125ZM29.5954 24.0214C29.5954 23.1653 29.4294 22.3433 29.1257 21.5817L27.268 22.3225C27.4804 22.8554 27.5954 23.4264 27.5954 24.0214H29.5954ZM13.2324 8.77387C13.2051 9.7735 13.2048 9.77349 13.2044 9.77348C13.2043 9.77348 13.204 9.77347 13.2038 9.77346C13.2035 9.77345 13.2032 9.77344 13.203 9.77344C13.2025 9.77342 13.2024 9.77342 13.2026 9.77343C13.203 9.77344 13.2046 9.77349 13.2073 9.7736C13.2129 9.77383 13.2231 9.77427 13.2378 9.77506C13.2672 9.77664 13.3144 9.77958 13.3773 9.7848C13.5032 9.79525 13.6912 9.81476 13.9255 9.85056C14.3959 9.92245 15.0415 10.0584 15.7392 10.3123C17.1417 10.8227 18.6673 11.7743 19.4999 13.5597L21.3125 12.7144C20.1767 10.2787 18.1154 9.04875 16.4232 8.43287C15.5735 8.12361 14.7947 7.96017 14.2276 7.87351C13.9431 7.83003 13.7091 7.80546 13.5427 7.79165C13.4594 7.78474 13.3928 7.7805 13.345 7.77794C13.3211 7.77665 13.3018 7.77579 13.2875 7.77521C13.2804 7.77493 13.2745 7.77471 13.2698 7.77456C13.2675 7.77448 13.2655 7.77442 13.2638 7.77436C13.263 7.77434 13.2622 7.77432 13.2615 7.7743C13.2612 7.77429 13.2607 7.77427 13.2606 7.77427C13.2601 7.77426 13.2597 7.77425 13.2324 8.77387ZM19.4999 13.5597C19.928 14.4779 20.1391 15.5372 20.2383 16.3994C20.2872 16.8242 20.3074 17.1874 20.3154 17.442C20.3194 17.5691 20.3203 17.6684 20.3203 17.734C20.3203 17.7667 20.32 17.791 20.3198 17.8061C20.3197 17.8137 20.3196 17.8189 20.3196 17.8217C20.3195 17.8231 20.3195 17.824 20.3195 17.8242C20.3195 17.8243 20.3195 17.8242 20.3195 17.824C20.3195 17.8239 20.3195 17.8237 20.3195 17.8236C20.3195 17.8235 20.3195 17.8233 20.3195 17.8233C20.3195 17.8231 20.3195 17.8229 21.3192 17.8502C22.3188 17.8776 22.3188 17.8773 22.3188 17.8771C22.3188 17.877 22.3188 17.8768 22.3188 17.8767C22.3188 17.8763 22.3188 17.8759 22.3189 17.8755C22.3189 17.8747 22.3189 17.8737 22.3189 17.8725C22.319 17.8702 22.3191 17.8672 22.3191 17.8637C22.3193 17.8565 22.3195 17.8469 22.3196 17.8348C22.32 17.8108 22.3203 17.7771 22.3203 17.7346C22.3203 17.6496 22.3191 17.5291 22.3144 17.3792C22.305 17.0799 22.2815 16.6604 22.2252 16.1708C22.1139 15.204 21.8685 13.9068 21.3125 12.7144L19.4999 13.5597ZM12.1649 8.52238C12.5626 7.60487 12.5622 7.60471 12.5618 7.60454C12.5617 7.60447 12.5613 7.60429 12.561 7.60415C12.5603 7.60388 12.5596 7.60358 12.5589 7.60325C12.5573 7.60258 12.5555 7.60179 12.5533 7.60088C12.5491 7.59906 12.5436 7.59676 12.537 7.594C12.5238 7.58848 12.506 7.58114 12.4838 7.5722C12.4394 7.55432 12.3773 7.53001 12.2989 7.50108C12.1422 7.44326 11.9197 7.36663 11.6435 7.28579C11.0929 7.12468 10.318 6.94368 9.41721 6.86485C7.62324 6.70786 5.23527 6.95149 3.17654 8.67897L4.46211 10.2111C5.97118 8.94481 7.75599 8.72712 9.24286 8.85724C9.98247 8.92196 10.625 9.07163 11.0818 9.20529C11.3092 9.27184 11.4879 9.33364 11.6064 9.37738C11.6656 9.39923 11.7096 9.4165 11.7369 9.4275C11.7506 9.43299 11.76 9.43692 11.7652 9.43905C11.7677 9.44012 11.7692 9.44074 11.7695 9.44089C11.7697 9.44096 11.7696 9.44092 11.7692 9.44075C11.769 9.44067 11.7687 9.44055 11.7684 9.44041C11.7682 9.44034 11.7679 9.4402 11.7678 9.44017C11.7675 9.44003 11.7672 9.43988 12.1649 8.52238ZM3.17654 8.67897C2.16872 9.52463 1.39803 10.5966 0.888648 11.4258C0.63065 11.8457 0.432094 12.2159 0.297077 12.4832C0.229446 12.6171 0.177421 12.7258 0.141535 12.8028C0.123584 12.8414 0.109645 12.872 0.0997862 12.894C0.0948559 12.905 0.0909433 12.9138 0.0880568 12.9203C0.0866135 12.9236 0.0854265 12.9263 0.0844969 12.9284C0.084032 12.9295 0.0836315 12.9304 0.0832953 12.9312C0.0831273 12.9316 0.0829753 12.9319 0.0828395 12.9322C0.0827717 12.9324 0.0826818 12.9326 0.0826479 12.9327C0.0825621 12.9329 0.0824804 12.9331 1 13.3307C1.91752 13.7284 1.91745 13.7286 1.91738 13.7288C1.91736 13.7288 1.91729 13.729 1.91726 13.729C1.91718 13.7292 1.91713 13.7293 1.91708 13.7294C1.917 13.7296 1.91698 13.7297 1.91702 13.7296C1.9171 13.7294 1.91742 13.7287 1.91799 13.7274C1.91913 13.7248 1.92125 13.72 1.92434 13.7131C1.93052 13.6994 1.94057 13.6772 1.95442 13.6475C1.98212 13.588 2.02493 13.4984 2.08224 13.385C2.19711 13.1576 2.36891 12.837 2.59276 12.4727C3.04706 11.7332 3.68604 10.8623 4.46211 10.2111L3.17654 8.67897Z" fill="currentColor"/> </svg>

Unbezahlter Urlaub

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M31 16C31 12.0218 29.4196 8.20644 26.6066 5.3934C23.7936 2.58035 19.9782 1 16 1M16 31C18.2488 31.0013 20.469 30.4964 22.4961 29.5227C24.5231 28.5489 26.3049 27.1313 27.7094 25.375" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M19.75 16L1 16M1 16L6.625 21.625M1 16L6.625 10.375" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </svg>

Austritt

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19.9473 7.31582H24.6841M24.6841 7.31582H29.421M24.6841 7.31582V12.0527M24.6841 7.31582V2.57898" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M1.08008 21.5263C1.18104 20.4999 1.40921 19.809 1.92488 19.2933C2.8498 18.3684 4.33845 18.3684 7.31574 18.3684C10.293 18.3684 11.7817 18.3684 12.7066 19.2933C13.6315 20.2183 13.6315 21.7069 13.6315 24.6842C13.6315 27.6615 13.6315 29.1501 12.7066 30.0751C11.7817 31 10.293 31 7.31574 31C4.33845 31 2.8498 31 1.92488 30.0751C1.4364 29.5866 1.2059 28.9409 1.09713 28.0017" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M1 7.31579C1 4.3385 1 2.84985 1.92493 1.92493C2.84985 1 4.3385 1 7.31579 1C10.2931 1 11.7817 1 12.7067 1.92493C13.6316 2.84985 13.6316 4.3385 13.6316 7.31579C13.6316 10.2931 13.6316 11.7817 12.7067 12.7067C11.7817 13.6316 10.2931 13.6316 7.31579 13.6316C4.3385 13.6316 2.84985 13.6316 1.92493 12.7067C1 11.7817 1 10.2931 1 7.31579Z" stroke="currentColor" stroke-width="2"/> <path d="M18.3682 24.6842C18.3682 21.7069 18.3682 20.2183 19.2931 19.2933C20.218 18.3684 21.7067 18.3684 24.684 18.3684C27.6612 18.3684 29.1499 18.3684 30.0748 19.2933C30.9997 20.2183 30.9997 21.7069 30.9997 24.6842C30.9997 27.6615 30.9997 29.1501 30.0748 30.0751C29.1499 31 27.6612 31 24.684 31C21.7067 31 20.218 31 19.2931 30.0751C18.3682 29.1501 18.3682 27.6615 18.3682 24.6842Z" stroke="currentColor" stroke-width="2"/></svg>

Weiterversicherung nach Stellenverlust

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M30.7573 14.6895C31.0273 11.8205 31.1623 10.3861 30.6715 9.79311C30.406 9.47234 30.045 9.2758 29.659 9.2419C28.9455 9.17923 28.0494 10.1994 26.2572 12.2396C25.3303 13.2947 24.8669 13.8223 24.3499 13.904C24.0635 13.9493 23.7716 13.9027 23.5071 13.7696C23.0297 13.5294 22.7115 12.8772 22.0749 11.5728L18.7196 4.69728C17.5167 2.23243 16.9153 1 16 1C15.0847 1 14.4833 2.23243 13.2804 4.69729L9.92511 11.5728C9.28855 12.8772 8.97027 13.5294 8.49289 13.7696C8.22838 13.9027 7.93651 13.9493 7.65006 13.904C7.13307 13.8223 6.66965 13.2947 5.7428 12.2396C3.95062 10.1994 3.05453 9.17923 2.34098 9.2419C1.95499 9.2758 1.59397 9.47234 1.32848 9.79311C0.837694 10.3861 0.9727 11.8205 1.24271 14.6895L1.5865 18.3423C2.15298 24.3612 2.43622 27.3707 4.21014 29.1854C5.98407 31 8.64275 31 13.9601 31H18.0399C23.3572 31 26.0159 31 27.7899 29.1854C29.1608 27.783 29.6414 25.667 30.0504 22" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M11.5 25H20.5" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> </svg>

Pensionierung
zurück zur Übersicht

Die Verzinsung in einer Pensionskasse ist der Zins, den Sie als aktiv versicherte Person auf ihr eingebrachtes und weiter angespartes Altersguthaben erhalten. Der Zinssatz wird pro Jahr festgelegt und hängt von der finanziellen Lage des Vorsorgewerks Ihres Arbeitgebers ab, in dem Sie versichert sind. Das bedeutet:

  • Der Stiftungsrat von TRANSPARENTA legt jährlich im Voraus eine vom Vorsorgemodell und Deckungsgrad der Vorsorgewerke abhängige Verzinsung fest (Zinstabelle).
  • Jedoch darf die Vorsorgekommission Ihres Vorsorgewerks auch einen eigenen Zinssatz festlegen, der vom empfohlenen Wert abweicht – je nach seiner finanziellen Lage und Risikofähigkeit und im Rahmen der gesetzlichen Einschränkungen gemäss Art. 46 BVV2.

Dies ist fair: Denn durch das angewandte Modell des individuellen Deckungsgrads finanziert bei TRANSPARENTA jedes Vorsorgewerk seine Verzinsung selber mit den Erträgen, welche es jedes Jahr anteilig vom Ergebnis der Stiftung erhält. Dieses hängt hauptsächlich von der erzielten Anlageperformance ab.

Oder in anderen Worten: Jedes Vorsorgewerk - und damit auch Sie als versicherte Person - profitiert bei TRANSPARENTA von 100 % Erfolgsbeteiligung. Was den Versicherten nicht direkt als Verzinsung der Altersguthaben gutgeschrieben wird, fliesst in die kollektiven Reserven des eigenen Vorsorgewerks. Dieses in guten Zeiten aufgebaute Reservepolster hilft, schlechte Zeiten infolge Börsencrashs (wie z. B. anno 2008, 2018 oder 2022) abzufedern - und somit die Altersguthaben der Versicherten trotz gelegentlicher Verlustjahre stets jedes Jahr positiv verzinsen zu können.

Zinstabelle mit Default-Sätzen pro 2025

Details anzeigen

Die Zinsstabelle ist abgestuft nach Deckungsgraden und unterscheidet nach Vorsorgemodell (S für Split oder U für Umhüllend). Dies stellt sicher, dass die finanzielle Lage und Risikofähigkeit eines jeden Vorsorgewerks bei der Verzinsung der Altersguthaben angemessen berücksichtigt ist.

Effektive Verzinsung der letzten 5 Jahre (Ø aller Vorsorgewerke)

Details anzeigen

Die Liste zeigt die effektive Verzinsung der Altersguthaben inkl. Verteilung freier Mittel in den letzten 5 Jahren. Die Werte sind als kapitalgewichteter Durchschnitt aller Vorsorgewerke zu verstehen. Für den einzelnen Versicherten waren die Zinssätze des Vorsorgewerks seines Arbeitgebers massgebend.

  • 2024:   2.11 %(provisorisch)
  • 2023:   1.23 %
  • 2022:   2.29 %
  • 2021:    1.84 %
  • 2020:   1.27 %
Verglichen mit der Verzinsung von Sparkonti der Banken oder Säule 3a-Produkten profitierten die Versicherten von einer attraktiven Verzinsung ihrer Pensionskasse bei gleichzeitig hoher Sicherheit.

Verteilung von freien Mitteln

Details anzeigen

Die Vorsorgekommission Ihres Vorsorgewerks kann zur Leistungsverbesserung anstelle einer Anhebung des Zinssatzes auch eine Verteilung von freien Mitteln via einem Verteilplan beschliessen.

Beim Verteilplan können nebst dem Altersguthaben noch weitere Kriterien wie z. B. Versicherungsjahre berücksichtigt werden. Gegenüber der Zusatzverzinsung empfehlen wir diesen erst, wenn die zu verteilenden freien Mittel mindestens 3 % des Altersguthabens betragen (d. h. ab einem Deckungsgrad von 118 %). Davor ist eine Erhöhung des Zinssatzes der effizienteste Weg.

Zweck der Verzinsung: Kaufkraft des Geldes bewahren

Details anzeigen

Die Verzinsung des Altersguthabens dient in erster Linie dazu, die Kaufkraft von während 40 Jahren einbezahlten Sparbeiträgen über ein gesamtes Erwerbsleben hinweg zu erhalten und idealerweise auszubauen. Von einem Ausbau spricht man, wenn eine positive Realverzinsung erzielt wird. Dies ist je nach Definition der Fall, wenn der effektive Zinssatz auf dem Altersguthaben jeweils höher ist als die Inflation des Geldes (Teuerungsrate) oder individuelle Lohnerhöhungen der versicherten Person (Lohnwachstumsrate).

Details anzeigen
Der für Sie anwendbare Zinssatz ist auf Ihrem persönlichen Vorsorgeausweis angegeben. Sie finden ihn unterhalb der Rubrik «Personaldaten» mit der Verweis-Nr. 1. Die effektiv in Schweizer Franken gutgeschriebenen Zinsen für das Vorjahr finden Sie jeweils auf dem Vorsorgeausweis per Stichtag 1. Januar im Abschnitt «Kontoauszug».
RegistrierenEinloggen
Downloads
No items found.
under construction