{"id":2519,"date":"2024-07-11T06:21:53","date_gmt":"2024-07-11T06:21:53","guid":{"rendered":"https:\/\/dev.rmgroup.ch\/?page_id=2519"},"modified":"2026-02-12T11:58:06","modified_gmt":"2026-02-12T11:58:06","slug":"payroll","status":"publish","type":"page","link":"https:\/\/www.rmgroup.ch\/en\/payroll\/","title":{"rendered":"Payroll"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2519\" class=\"elementor elementor-2519\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1635bebd e-flex e-con-boxed e-con e-parent\" data-id=\"1635bebd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-39420ee4 e-con-full e-flex e-con e-child\" data-id=\"39420ee4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fe873b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7fe873b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fe510d0 elementor-widget elementor-widget-heading\" data-id=\"2fe510d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Payroll for experts<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81c6d2d elementor-widget elementor-widget-text-editor\" data-id=\"81c6d2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Do you want to do your job and not worry about the payroll?<br \/>Use our payroll-service from experts for experts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a857ad elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5a857ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calculator\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Salary Calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fc8638 e-flex e-con-boxed e-con e-parent\" data-id=\"6fc8638\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f99831f elementor-section-full_width elementor-section-content-middle elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"4f99831f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-60b5f5be\" data-id=\"60b5f5be\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-77e1a2e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"77e1a2e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1a69bb6d\" data-id=\"1a69bb6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25c6fbec elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"25c6fbec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54d4c5fe elementor-widget elementor-widget-heading\" data-id=\"54d4c5fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">You can do your job - we'll do ours<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-522df3d8 elementor-widget elementor-widget-text-editor\" data-id=\"522df3d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We started our company in 1998 and soon discovered that managing payroll and accounting was often very time-consuming for contractors and companies. As a solution, we created our own payroll service to handle all administrative tasks in a legally compliant and efficient manner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-036234b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"036234b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-umbrella\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M575.7 280.8C547.1 144.5 437.3 62.6 320 49.9V32c0-17.7-14.3-32-32-32s-32 14.3-32 32v17.9C138.3 62.6 29.5 144.5.3 280.8c-2.2 10.1 8.5 21.3 18.7 11.4 52-55 107.7-52.4 158.6 37 5.3 9.5 14.9 8.6 19.7 0 20.2-35.4 44.9-73.2 90.7-73.2 58.5 0 88.2 68.8 90.7 73.2 4.8 8.6 14.4 9.5 19.7 0 51-89.5 107.1-91.4 158.6-37 10.3 10 20.9-1.3 18.7-11.4zM256 301.7V432c0 8.8-7.2 16-16 16-7.8 0-13.2-5.3-15.1-10.7-5.9-16.7-24.1-25.4-40.8-19.5-16.7 5.9-25.4 24.2-19.5 40.8 11.2 31.9 41.6 53.3 75.4 53.3 44.1 0 80-35.9 80-80V301.6c-9.1-7.9-19.8-13.6-32-13.6-12.3.1-22.4 4.8-32 13.7z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Questions about social insurance?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-balance-scale-right\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 464v32c0 8.84 7.16 16 16 16h224c8.84 0 16-7.16 16-16V153.25c4.56-2 8.92-4.35 12.99-7.12l142.05 47.63c8.38 2.81 17.45-1.71 20.26-10.08l10.17-30.34c2.81-8.38-1.71-17.45-10.08-20.26l-128.4-43.05c.42-3.32 1.01-6.6 1.01-10.03 0-44.18-35.82-80-80-80-29.69 0-55.3 16.36-69.11 40.37L132.96.83c-8.38-2.81-17.45 1.71-20.26 10.08l-10.17 30.34c-2.81 8.38 1.71 17.45 10.08 20.26l132 44.26c7.28 21.25 22.96 38.54 43.38 47.47V448H112c-8.84 0-16 7.16-16 16zM0 304c0 44.18 57.31 80 128 80s128-35.82 128-80h-.02c0-15.67 2.08-7.25-85.05-181.51-17.68-35.36-68.22-35.29-85.87 0C-1.32 295.27.02 287.82.02 304H0zm56-16l72-144 72 144H56zm328.02 144H384c0 44.18 57.31 80 128 80s128-35.82 128-80h-.02c0-15.67 2.08-7.25-85.05-181.51-17.68-35.36-68.22-35.29-85.87 0-86.38 172.78-85.04 165.33-85.04 181.51zM440 416l72-144 72 144H440z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Labour law?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-alt\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 136V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zm64 236c0 6.6-5.4 12-12 12H108c-6.6 0-12-5.4-12-12v-8c0-6.6 5.4-12 12-12h168c6.6 0 12 5.4 12 12v8zm0-64c0 6.6-5.4 12-12 12H108c-6.6 0-12-5.4-12-12v-8c0-6.6 5.4-12 12-12h168c6.6 0 12 5.4 12 12v8zm0-72v8c0 6.6-5.4 12-12 12H108c-6.6 0-12-5.4-12-12v-8c0-6.6 5.4-12 12-12h168c6.6 0 12 5.4 12 12zm96-114.1v6.1H256V0h6.1c6.4 0 12.5 2.5 17 7l97.9 98c4.5 4.5 7 10.6 7 16.9z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">E-invoicing, pre-financing of wages, and collection process?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-400440f elementor-widget elementor-widget-text-editor\" data-id=\"400440f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You get the all-around carefree package. <strong>We do our job so that you can do yours even better.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-798b0b4e e-con-full e-flex e-con e-parent\" data-id=\"798b0b4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-616762dc elementor-align-center elementor-widget elementor-widget-button\" data-id=\"616762dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calculator\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Salary Calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-47db2615\" data-id=\"47db2615\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-772f1bd6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"772f1bd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b75aa6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8b75aa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We are your reliable partner<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d8a8ec elementor-section-full_width elementor-section-content-middle elementor-reverse-tablet elementor-reverse-mobile elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"5d8a8ec\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c83657c\" data-id=\"c83657c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-24d675b\" data-id=\"24d675b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c4455b7 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c4455b7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9ef882f\" data-id=\"9ef882f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d731ba elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8d731ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6a86da elementor-widget elementor-widget-heading\" data-id=\"c6a86da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">We understand your needs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-617bba5 elementor-widget elementor-widget-text-editor\" data-id=\"617bba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We understand that individuals have varying needs, which is why we are pleased to offer three tailored insurance packages. These packages range from the essential minimum coverage (Grade 1) to a highly comprehensive option that includes a 20% BVG savings contribution, fully financed by the employer (Grade 9).<\/p><h2 class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" style=\"font-size: var( --e-global-typography-e78755a-font-size ); font-style: normal; font-weight: var( --e-global-typography-e78755a-font-weight ); margin-bottom: 0px; line-height: var( --e-global-typography-e78755a-line-height ); font-family: var( --e-global-typography-e78755a-font-family ), Sans-serif; text-align: center;\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"Type Here...\">All three packages come with the following valuable benefits:<\/h2><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f12647 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9f12647\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">An exceptional pension fund that guarantees the highest interest rate on your personal pension assets, boasting <strong>an impressive 8% for 2024.<\/strong><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Basic accident insurance through SUVA, which meets the necessary requirements for recruitment agencies.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Daily sickness benefits and supplementary accident insurance, fully covered by us as the employer. Additionally, Zurich Insurance extends discounts on private insurance to all employees.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-5ca227d4 e-con-full hidden e-flex e-con e-parent\" data-id=\"5ca227d4\" data-element_type=\"container\" data-e-type=\"container\" id=\"benefits\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5e2e455f e-flex e-con-boxed e-con e-child\" data-id=\"5e2e455f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5a79ed elementor-widget elementor-widget-heading\" data-id=\"4d5a79ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We understand that individuals have varying needs, which is why we are pleased to offer three tailored insurance packages. These packages range from the essential minimum coverage (Grade 1) to a highly comprehensive option that includes a 20% BVG savings contribution, fully financed by the employer (Grade 9).\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec37a7 elementor-widget elementor-widget-heading\" data-id=\"6ec37a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\n\nAll three packages come with the following valuable benefits:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59c2c59e e-grid e-con-full e-con e-child\" data-id=\"59c2c59e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5f5685d4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5f5685d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-717eb8e4 elementor-widget elementor-widget-text-editor\" data-id=\"717eb8e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An exceptional pension fund that guarantees the highest interest rate on your personal pension assets, boasting <strong>an impressive 8% for 2024.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76199083 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"76199083\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e260efc elementor-widget elementor-widget-text-editor\" data-id=\"1e260efc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Basic accident insurance through SUVA, which meets the necessary requirements for recruitment agencies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f1d399a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1f1d399a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b109096 elementor-widget elementor-widget-text-editor\" data-id=\"5b109096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Daily sickness benefits and supplementary accident insurance, fully covered by us as the employer. Additionally, Zurich Insurance extends discounts on private insurance to all employees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d3da5a e-flex e-con-boxed e-con e-parent\" data-id=\"0d3da5a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56a8aff e-flex e-con-boxed e-con e-parent\" data-id=\"56a8aff\" data-element_type=\"container\" data-e-type=\"container\" id=\"calculator\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f244fa4 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"f244fa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Payroll Calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e24bee3 e-con-full e-flex e-con e-parent\" data-id=\"e24bee3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-588c5d7 elementor-widget__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"588c5d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<section id=\"content\" class=\"full-width\">\n\t<div id=\"root\"><\/div>\n<\/section>\n\n<script>\n  window.wpml_current_language = 'en';  \/\/ WPML language code\n<\/script>\n\n <style>\n\t html, body {\n\t\t \n\t\t max-width: 100%;\n\t }\n\t .payrollContainer .titleContainer p {\n\t \tdisplay: none;\n\t }\n\t .stylingLine {\n\t display: none;\n\t }\n\t.payrollWrapper table,td,th {\n    \tborder: 0px solid var(--ast-border-color);\n\t}\n\t.Select_field__y6zGk, .TextField_field__AmQoT, .toggle_button {\n\t\tborder-radius: 0px;\n\t}\n<\/style><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-da73cb2 e-flex e-con-boxed e-con e-parent\" data-id=\"da73cb2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96d6bb9 e-flex e-con-boxed e-con e-parent\" data-id=\"96d6bb9\" data-element_type=\"container\" data-e-type=\"container\" id=\"offer\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dac2e51 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"dac2e51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b7f861 elementor-widget elementor-widget-heading\" data-id=\"5b7f861\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">We offer higher net salary for all-in costs \u2013 and better insurances<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2c3cc9 elementor-widget elementor-widget-text-editor\" data-id=\"e2c3cc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We offer a high net cash out to payrollees as we are focused on professionals. In the real-life example below (male, 35-44 years old), we compared our offering with a major Swiss competitor \u2013 not only do we pay out more (for the same all-in labour cost), our insurance &amp; pension are much better<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-463177e elementor-widget elementor-widget-eael-advanced-data-table\" data-id=\"463177e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-advanced-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ea-advanced-data-table-wrap\" data-id=\"463177e\"><div class=\"ea-advanced-data-table-wrap-inner\">\n                <table class=\"ea-advanced-data-table ea-advanced-data-table-static ea-advanced-data-table-463177e\" data-id=\"463177e\"><thead><tr><th style=\"width: 425px\"><p>Cash-out comparison<\/p><\/th><th style=\"width: 422px\"><p>Rm Payroll<\/p><\/th><th><p>Competition<\/p><\/th><\/tr><\/thead><tbody><tr><td><p><em>All-in labour cost<\/em><\/p><\/td><td><p>100<\/p><\/td><td><p>100<\/p><\/td><\/tr><tr><td><p>Employer Contributions (incl. pension)<\/p><\/td><td><p>-10.84<\/p><\/td><td><p>-10.73<\/p><\/td><\/tr><tr><td><p>Gross salary<\/p><\/td><td><p>89.16<\/p><\/td><td><p>89.27<\/p><\/td><\/tr><tr><td><p>Employee Contributions<\/p><\/td><td><p>-7.96<\/p><\/td><td><p>-9.57<\/p><\/td><\/tr><tr><td><p>Net salary (before any tax)<\/p><\/td><td><p><strong>81.20<\/strong><\/p><\/td><td><p><strong>79.70<\/strong><\/p><\/td><\/tr><\/tbody><\/table>\n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2470ba4 elementor-section-full_width elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2470ba4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e5642d\" data-id=\"1e5642d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a3ce193 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a3ce193\" data-element_type=\"section\" data-e-type=\"section\" id=\"insurance-options\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7bd0258\" data-id=\"7bd0258\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fa8238 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1fa8238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96d92de elementor-widget elementor-widget-heading\" data-id=\"96d92de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pension and insurance options<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b558f87 elementor-widget elementor-widget-text-editor\" data-id=\"b558f87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"x_MsoNormal\"><span lang=\"EN-GB\" data-olk-copy-source=\"MessageBody\">Not everyone has the same requirement. Therefore we offer three packages, ranging from the mandatory minimum (Grade 1) through to maximum coverage with 20% savings contribution fully funded by the employer (Grade 9).<\/span><\/p><p class=\"x_MsoNormal\"><span lang=\"EN-GB\">All of them offer the following:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55d0527 e-con-full e-flex e-con e-parent\" data-id=\"55d0527\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f739a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f8f739a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pension provider Profond who pays the highest interest rate on your personal pension savings, an incredible 8% in 2024<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Basic accident insurance by SUVA as mandated for staffing providers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Salary continuation for sickness and supplementary accident insurance\u00a0by Zurich Insurance. These are fully paid by us as employer. For all employees, Zurich also offers discounts for any private insurances<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13538bb all-closed-accordion elementor-widget elementor-widget-accordion\" data-id=\"13538bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2021\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2021\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Pension Fund \u2013 Savings Contribution<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2021\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2021\"><table class=\"rm-table\">\n<tbody>\n<tr class=\"rm-table-head\">\n<td><\/td>\n<td colspan=\"2\">Grade 1<\/td>\n<td colspan=\"2\">Grade 4<\/td>\n<td>Grade 9<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Insured Salary<\/td>\n<td colspan=\"2\">coordinated BVG annual salary<br>\npart-time considered<\/td>\n<td colspan=\"2\">total annual gross salary<\/td>\n<td>total annual gross salary<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Contribution<br>\nAge group<\/td>\n<td class=\"rm-table-splitcell\">employee<\/td>\n<td class=\"rm-table-splitcell\">employer<\/td>\n<td class=\"rm-table-splitcell\">employee<\/td>\n<td class=\"rm-table-splitcell\">employer<\/td>\n<td>employer<\/td>\n<\/tr>\n<tr>\n<td>20 &#8211; 24 years<\/td>\n<td class=\"rm-table-splitcell\">0%<\/td>\n<td class=\"rm-table-splitcell\">0%<\/td>\n<td class=\"rm-table-splitcell\">0%<\/td>\n<td class=\"rm-table-splitcell\">0%<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td>25 &#8211; 30 years<\/td>\n<td class=\"rm-table-splitcell\">3.5%<\/td>\n<td class=\"rm-table-splitcell\">3.5%<\/td>\n<td class=\"rm-table-splitcell\">3%<\/td>\n<td class=\"rm-table-splitcell\">3%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>31 &#8211; 34 years<\/td>\n<td class=\"rm-table-splitcell\">3.5%<\/td>\n<td class=\"rm-table-splitcell\">3.5%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td>20%<\/td>\n<\/tr>\n<tr>\n<td>35 &#8211; 44 years<\/td>\n<td class=\"rm-table-splitcell\">5%<\/td>\n<td class=\"rm-table-splitcell\">5%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td>20%<\/td>\n<\/tr>\n<tr>\n<td>45 &#8211; 54 years<\/td>\n<td class=\"rm-table-splitcell\">7.5%<\/td>\n<td class=\"rm-table-splitcell\">7.5%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td>20%<\/td>\n<\/tr>\n<tr>\n<td>55 &#8211; 64\/65 years<\/td>\n<td class=\"rm-table-splitcell\">9%<\/td>\n<td class=\"rm-table-splitcell\">9%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td class=\"rm-table-splitcell\">10%<\/td>\n<td>20%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2022\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2022\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Pension Fund \u2013 Risk Insurance (Profond)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2022\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2022\"><p>\u00a0<\/p><table class=\"rm-table\"><tbody><tr class=\"rm-table-head\"><td>\u00a0<\/td><td>Grade 1<\/td><td>Grade 4<\/td><td>Grade 9<\/td><\/tr><tr><td class=\"rm-table-first\">Insured Salary<\/td><td>coordinated BVG annual salary<br \/>part-time considered<\/td><td>coordinated BVG annual salary<br \/>part-time not considered<\/td><td>total annual gross salary<\/td><\/tr><tr><td class=\"rm-table-title\" colspan=\"4\">Disability Coverage<\/td><\/tr><tr><td class=\"rm-table-first\">Disability Pension<\/td><td>40% of the insured annual salary<\/td><td>40% of the insured annual salary<\/td><td>60% of the insured annual salary<\/td><\/tr><tr><td class=\"rm-table-first\">Child\u2019s Pension<\/td><td>8% of the insured annual salary<\/td><td>8% of the insured annual salary<\/td><td>15% of the insured annual salary<\/td><\/tr><tr><td class=\"rm-table-title\" colspan=\"4\">Coverage Death<\/td><\/tr><tr><td class=\"rm-table-first\">Spouse\u2019s Pension<\/td><td>24% of the insured annual salary<\/td><td>24% of the insured annual salary<\/td><td>40% of the insured annual salary<\/td><\/tr><tr><td class=\"rm-table-first\">Orphan\u2019s Pension<\/td><td>8% of the insured annual salary<\/td><td>8% of the insured annual salary<\/td><td>15% of the insured annual salary<\/td><\/tr><tr><td class=\"rm-table-first\">Additional lump sum on death<\/td><td>none<\/td><td>none<\/td><td>200% of the insured annual salary<\/td><\/tr><\/tbody><\/table><p>In 2025, mandatorily insured salary caps out at CHF 90\u2019720 p.a. for 100% employment, with a coordination deduction of CHF 26\u2019400 p.a.. Therefore the maximal insured coordinated salary is CHF 64\u2019260 p.a. or CHF 5\u2019355 per month. On our payroll calculator, we always show the insured salary at the bottom.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2023\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2023\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Accident Insurance<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2023\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2023\"><table class=\"rm-table\"><tbody><tr class=\"rm-table-head\"><td>\u00a0<\/td><td>Grade 1<\/td><td>Grade 4<\/td><td>Grade 9<\/td><\/tr><tr><td class=\"rm-table-first\">Insured Salary<\/td><td>total annual gross salary<\/td><td>total annual gross salary<\/td><td>total annual gross salary<\/td><\/tr><tr><td class=\"rm-table-first\">Waiting Period<\/td><td>3 days, wage paid by the employer<\/td><td>3 days, wage paid by the employer<\/td><td>3 days, wage paid by the employer<\/td><\/tr><tr><td class=\"rm-table-first\">Salary Coverage<\/td><td>80%<\/td><td>80%<\/td><td>90%<\/td><\/tr><tr><td class=\"rm-table-first\">Hospital Care<\/td><td>standard<\/td><td>standard<\/td><td>private<\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2024\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2024\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Sick Pay Insurance<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2024\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2024\"><table class=\"rm-table\"><tbody><tr class=\"rm-table-head\"><td>\u00a0<\/td><td>Grade 1<\/td><td>Grade 4<\/td><td>Grade 9<\/td><\/tr><tr><td class=\"rm-table-first\">Insured Salary<\/td><td>total annual gross salary<\/td><td>total annual gross salary<\/td><td>total annual gross salary<\/td><\/tr><tr><td class=\"rm-table-first\">Waiting Period<\/td><td>2 days per case<\/td><td>2 days per case<\/td><td>2 days per case<\/td><\/tr><tr><td class=\"rm-table-first\">Salary Coverage<\/td><td>80%<\/td><td>80%<\/td><td>90%<\/td><\/tr><tr><td class=\"rm-table-first\">Insurance Period<\/td><td>720 days<\/td><td>720 days<\/td><td>720 days<\/td><\/tr><tr><td class=\"rm-table-first\">Maternity allowance*<\/td><td>80% for 14 weeks<\/td><td>80% for 14 weeks<\/td><td>90% for 16 weeks<\/td><\/tr><\/tbody><\/table><p>* Insurance only for birth after 9 months of continuous employment at RM Group. Otherwise only the social insurance supplementary benefits apply, which is capped at CHF 220 per day.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Pension Fund \\u2013 Savings Contribution\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<table class=\\\"rm-table\\\">\\n<tbody>\\n<tr class=\\\"rm-table-head\\\">\\n<td><\\\/td>\\n<td colspan=\\\"2\\\">Grade 1<\\\/td>\\n<td colspan=\\\"2\\\">Grade 4<\\\/td>\\n<td>Grade 9<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Insured Salary<\\\/td>\\n<td colspan=\\\"2\\\">coordinated BVG annual salary<br>\\npart-time considered<\\\/td>\\n<td colspan=\\\"2\\\">total annual gross salary<\\\/td>\\n<td>total annual gross salary<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Contribution<br>\\nAge group<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">employee<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">employer<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">employee<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">employer<\\\/td>\\n<td>employer<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td>20 &#8211; 24 years<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">0%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">0%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">0%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">0%<\\\/td>\\n<td>0%<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td>25 &#8211; 30 years<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">3.5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">3.5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">3%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">3%<\\\/td>\\n<td>6%<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td>31 &#8211; 34 years<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">3.5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">3.5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td>20%<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td>35 &#8211; 44 years<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td>20%<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td>45 &#8211; 54 years<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">7.5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">7.5%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td>20%<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td>55 &#8211; 64\\\/65 years<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">9%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">9%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td class=\\\"rm-table-splitcell\\\">10%<\\\/td>\\n<td>20%<\\\/td>\\n<\\\/tr>\\n<\\\/tbody>\\n<\\\/table>\"}},{\"@type\":\"Question\",\"name\":\"Pension Fund \\u2013 Risk Insurance (Profond)\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00a0<\\\/p><table class=\\\"rm-table\\\"><tbody><tr class=\\\"rm-table-head\\\"><td>\\u00a0<\\\/td><td>Grade 1<\\\/td><td>Grade 4<\\\/td><td>Grade 9<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Insured Salary<\\\/td><td>coordinated BVG annual salary<br \\\/>part-time considered<\\\/td><td>coordinated BVG annual salary<br \\\/>part-time not considered<\\\/td><td>total annual gross salary<\\\/td><\\\/tr><tr><td class=\\\"rm-table-title\\\" colspan=\\\"4\\\">Disability Coverage<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Disability Pension<\\\/td><td>40% of the insured annual salary<\\\/td><td>40% of the insured annual salary<\\\/td><td>60% of the insured annual salary<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Child\\u2019s Pension<\\\/td><td>8% of the insured annual salary<\\\/td><td>8% of the insured annual salary<\\\/td><td>15% of the insured annual salary<\\\/td><\\\/tr><tr><td class=\\\"rm-table-title\\\" colspan=\\\"4\\\">Coverage Death<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Spouse\\u2019s Pension<\\\/td><td>24% of the insured annual salary<\\\/td><td>24% of the insured annual salary<\\\/td><td>40% of the insured annual salary<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Orphan\\u2019s Pension<\\\/td><td>8% of the insured annual salary<\\\/td><td>8% of the insured annual salary<\\\/td><td>15% of the insured annual salary<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Additional lump sum on death<\\\/td><td>none<\\\/td><td>none<\\\/td><td>200% of the insured annual salary<\\\/td><\\\/tr><\\\/tbody><\\\/table><p>In 2025, mandatorily insured salary caps out at CHF 90\\u2019720 p.a. for 100% employment, with a coordination deduction of CHF 26\\u2019400 p.a.. Therefore the maximal insured coordinated salary is CHF 64\\u2019260 p.a. or CHF 5\\u2019355 per month. On our payroll calculator, we always show the insured salary at the bottom.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Accident Insurance\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<table class=\\\"rm-table\\\"><tbody><tr class=\\\"rm-table-head\\\"><td>\\u00a0<\\\/td><td>Grade 1<\\\/td><td>Grade 4<\\\/td><td>Grade 9<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Insured Salary<\\\/td><td>total annual gross salary<\\\/td><td>total annual gross salary<\\\/td><td>total annual gross salary<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Waiting Period<\\\/td><td>3 days, wage paid by the employer<\\\/td><td>3 days, wage paid by the employer<\\\/td><td>3 days, wage paid by the employer<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Salary Coverage<\\\/td><td>80%<\\\/td><td>80%<\\\/td><td>90%<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Hospital Care<\\\/td><td>standard<\\\/td><td>standard<\\\/td><td>private<\\\/td><\\\/tr><\\\/tbody><\\\/table>\"}},{\"@type\":\"Question\",\"name\":\"Sick Pay Insurance\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<table class=\\\"rm-table\\\"><tbody><tr class=\\\"rm-table-head\\\"><td>\\u00a0<\\\/td><td>Grade 1<\\\/td><td>Grade 4<\\\/td><td>Grade 9<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Insured Salary<\\\/td><td>total annual gross salary<\\\/td><td>total annual gross salary<\\\/td><td>total annual gross salary<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Waiting Period<\\\/td><td>2 days per case<\\\/td><td>2 days per case<\\\/td><td>2 days per case<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Salary Coverage<\\\/td><td>80%<\\\/td><td>80%<\\\/td><td>90%<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Insurance Period<\\\/td><td>720 days<\\\/td><td>720 days<\\\/td><td>720 days<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Maternity allowance*<\\\/td><td>80% for 14 weeks<\\\/td><td>80% for 14 weeks<\\\/td><td>90% for 16 weeks<\\\/td><\\\/tr><\\\/tbody><\\\/table><p>* Insurance only for birth after 9 months of continuous employment at RM Group. Otherwise only the social insurance supplementary benefits apply, which is capped at CHF 220 per day.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de7bf15 elementor-widget elementor-widget-text-editor\" data-id=\"de7bf15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To get a more detailed insight on what these numbers can mean for you individually, please check out our Payroll Calculator!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9cc608b e-con-full e-flex e-con e-parent\" data-id=\"9cc608b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a800590 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a800590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calculator\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Payroll Calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5c16081\" data-id=\"5c16081\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-136c69e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"136c69e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-111fc4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"111fc4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insurance options<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-ac1344c e-con-full e-flex e-con e-parent\" data-id=\"ac1344c\" data-element_type=\"container\" data-e-type=\"container\" id=\"payroll\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-16352e4c e-con-full e-flex e-con e-child\" data-id=\"16352e4c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1990fa7b animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1990fa7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">From experts for experts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72e60b91 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"72e60b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Payroll solutions for everyone<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca8e26b e-con-full e-flex e-con e-child\" data-id=\"ca8e26b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7d15e20f animated-slow e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"7d15e20f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:150}\">\n\t\t<div class=\"elementor-element elementor-element-2c624b85 e-con-full e-flex e-con e-child\" data-id=\"2c624b85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35aff1fa elementor-widget elementor-widget-image\" data-id=\"35aff1fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/student-849825-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-image-3262\" alt=\"\" srcset=\"https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/student-849825-768x512.jpg 768w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/student-849825-300x200.jpg 300w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/student-849825-1024x683.jpg 1024w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/student-849825-1536x1024.jpg 1536w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/student-849825-2048x1365.jpg 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38e36f5e elementor-widget__width-initial animated-fast elementor-invisible elementor-widget elementor-widget-spacer\" data-id=\"38e36f5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInRight&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ae77d1 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"9ae77d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tFor contractors\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tYou receive your salary on time. Independent of the payment terms of the clients. And you don\u2019t have to burden yourself with issues such as labour law, tax law, or administrative regulations. This leaves your head free for the essential tasks.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64ab337 animated-slow e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"64ab337\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:150}\">\n\t\t<div class=\"elementor-element elementor-element-2ee446ed e-con-full e-flex e-con e-child\" data-id=\"2ee446ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-accbeed elementor-widget elementor-widget-image\" data-id=\"accbeed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/glass-3276648_sm-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-image-3269\" alt=\"\" srcset=\"https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/glass-3276648_sm-768x512.jpg 768w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/glass-3276648_sm-300x200.jpg 300w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/glass-3276648_sm-1024x683.jpg 1024w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/glass-3276648_sm-1536x1024.jpg 1536w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/glass-3276648_sm-2048x1365.jpg 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa92862 elementor-widget__width-initial animated-fast elementor-invisible elementor-widget elementor-widget-spacer\" data-id=\"5fa92862\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInRight&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d14c2f3 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"1d14c2f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tFor companies\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tWhether you have found external staff through us, other agencies, or yourself \u2013 you don\u2019t want to burden yourself with even more administration and management? Then you need a reliable partner who, as your legal employer, will take on the associated duties and risks for you. We are that partner. From the registration of annual accounts to the deregistration of employees.\n\nWe answer all questions that arise for you with our legal know-how. Of course, you can bill all external employees through us and also remunerate other agencies for the placement if required.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-219e1e72 animated-slow e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"219e1e72\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:150}\">\n\t\t<div class=\"elementor-element elementor-element-120494d6 e-con-full e-flex e-con e-child\" data-id=\"120494d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c33da28 elementor-widget elementor-widget-image\" data-id=\"2c33da28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/rut-miit-RbC4-8CdbVQ-unsplash_sm-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-image-3261\" alt=\"\" srcset=\"https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/rut-miit-RbC4-8CdbVQ-unsplash_sm-768x512.jpg 768w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/rut-miit-RbC4-8CdbVQ-unsplash_sm-300x200.jpg 300w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/rut-miit-RbC4-8CdbVQ-unsplash_sm-1024x683.jpg 1024w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/rut-miit-RbC4-8CdbVQ-unsplash_sm-1536x1024.jpg 1536w, https:\/\/www.rmgroup.ch\/wp-content\/uploads\/2024\/09\/rut-miit-RbC4-8CdbVQ-unsplash_sm-2048x1365.jpg 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39e0f426 elementor-widget__width-initial animated-fast elementor-invisible elementor-widget elementor-widget-spacer\" data-id=\"39e0f426\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInRight&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-642b1006 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"642b1006\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tFor other agencies\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tDo you place external staff with your clients? But you don\u2019t consider the administration of this personnel placement as your core business. Then use our payroll-service and use us as the legal employer for the temporary staff and billing partner vis-\u00e0-vis the end client. We then take care of all the administrative aspects of this business. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ecc918 e-con-full e-flex e-con e-parent\" data-id=\"1ecc918\" data-element_type=\"container\" data-e-type=\"container\" id=\"bene\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0588268 e-flex e-con-boxed e-con e-child\" data-id=\"0588268\" data-element_type=\"container\" data-e-type=\"container\" id=\"benefits\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10f3861 elementor-widget elementor-widget-heading\" data-id=\"10f3861\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-938a590 e-grid e-con-full e-con e-child\" data-id=\"938a590\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cc6c3a9 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"cc6c3a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3ac108c e-con-full e-flex e-con e-child\" data-id=\"3ac108c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30898b8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"30898b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b5ea9 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"45b5ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-briefcase\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M320 336c0 8.84-7.16 16-16 16h-96c-8.84 0-16-7.16-16-16v-48H0v144c0 25.6 22.4 48 48 48h416c25.6 0 48-22.4 48-48V288H320v48zm144-208h-80V80c0-25.6-22.4-48-48-48H176c-25.6 0-48 22.4-48 48v48H48c-25.6 0-48 22.4-48 48v80h512v-80c0-25.6-22.4-48-48-48zm-144 0H192V96h128v32z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4152f8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b4152f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9013f8c elementor-widget elementor-widget-heading\" data-id=\"9013f8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Administrative relief<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fc652d elementor-widget elementor-widget-text-editor\" data-id=\"4fc652d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We take care of the paperwork. Not only quickly and reliably, but also digitally and smartly via our online portal. Often without any paper at all.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3ec665 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"f3ec665\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4f1d7be e-con-full e-flex e-con e-child\" data-id=\"4f1d7be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dbaab0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3dbaab0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d910eb5 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"d910eb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-shield\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M622.3 271.1l-115.2-45c-4.1-1.6-12.6-3.7-22.2 0l-115.2 45c-10.7 4.2-17.7 14-17.7 24.9 0 111.6 68.7 188.8 132.9 213.9 9.6 3.7 18 1.6 22.2 0C558.4 489.9 640 420.5 640 296c0-10.9-7-20.7-17.7-24.9zM496 462.4V273.3l95.5 37.3c-5.6 87.1-60.9 135.4-95.5 151.8zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm96 40c0-2.5.8-4.8 1.1-7.2-2.5-.1-4.9-.8-7.5-.8h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c6.8 0 13.3-1.5 19.2-4-54-42.9-99.2-116.7-99.2-212z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8260c8c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8260c8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-901d2f9 elementor-widget elementor-widget-heading\" data-id=\"901d2f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Security<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bf3c0b elementor-widget elementor-widget-text-editor\" data-id=\"4bf3c0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, you can rest assured knowing that our processes are secure, ISO-certified, and we are fully self-financed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c9dc5a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"0c9dc5a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-bea69df e-con-full e-flex e-con e-child\" data-id=\"bea69df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b11353 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2b11353\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-534b4f8 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"534b4f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-balance-scale\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 336h-.02c0-16.18 1.34-8.73-85.05-181.51-17.65-35.29-68.19-35.36-85.87 0C-2.06 328.75.02 320.33.02 336H0c0 44.18 57.31 80 128 80s128-35.82 128-80zM128 176l72 144H56l72-144zm511.98 160c0-16.18 1.34-8.73-85.05-181.51-17.65-35.29-68.19-35.36-85.87 0-87.12 174.26-85.04 165.84-85.04 181.51H384c0 44.18 57.31 80 128 80s128-35.82 128-80h-.02zM440 320l72-144 72 144H440zm88 128H352V153.25c23.51-10.29 41.16-31.48 46.39-57.25H528c8.84 0 16-7.16 16-16V48c0-8.84-7.16-16-16-16H383.64C369.04 12.68 346.09 0 320 0s-49.04 12.68-63.64 32H112c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h129.61c5.23 25.76 22.87 46.96 46.39 57.25V448H112c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h416c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e83e172 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e83e172\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5f4309 elementor-widget elementor-widget-heading\" data-id=\"f5f4309\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compliance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5a970f elementor-widget elementor-widget-text-editor\" data-id=\"a5a970f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Even with complex issues, our team of payroll specialists possesses extensive experience and profound knowledge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fea7c7a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"fea7c7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4dcc042 e-con-full e-flex e-con e-child\" data-id=\"4dcc042\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f6d4f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c9f6d4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ec3a59 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"4ec3a59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm-6 400H54c-3.3 0-6-2.7-6-6V86c0-3.3 2.7-6 6-6h340c3.3 0 6 2.7 6 6v340c0 3.3-2.7 6-6 6z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-485fc59 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"485fc59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e6c4e3 elementor-widget elementor-widget-heading\" data-id=\"1e6c4e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Transparency<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caa79f3 elementor-widget elementor-widget-text-editor\" data-id=\"caa79f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are no hidden costs with us.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08510db e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"08510db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7ca7a57 e-con-full e-flex e-con e-child\" data-id=\"7ca7a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c85ae1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7c85ae1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-067c0c0 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"067c0c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4093d7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c4093d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf2c0c1 elementor-widget elementor-widget-heading\" data-id=\"cf2c0c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Timesaving<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-578bfab elementor-widget elementor-widget-text-editor\" data-id=\"578bfab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is no need to deal with authorities, lengthy discussions about legal issues, and the like.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4426ed e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"f4426ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9fcb3c7 e-con-full e-flex e-con e-child\" data-id=\"9fcb3c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2157d9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a2157d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-682cd8a elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"682cd8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-handshake\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M434.7 64h-85.9c-8 0-15.7 3-21.6 8.4l-98.3 90c-.1.1-.2.3-.3.4-16.6 15.6-16.3 40.5-2.1 56 12.7 13.9 39.4 17.6 56.1 2.7.1-.1.3-.1.4-.2l79.9-73.2c6.5-5.9 16.7-5.5 22.6 1 6 6.5 5.5 16.6-1 22.6l-26.1 23.9L504 313.8c2.9 2.4 5.5 5 7.9 7.7V128l-54.6-54.6c-5.9-6-14.1-9.4-22.6-9.4zM544 128.2v223.9c0 17.7 14.3 32 32 32h64V128.2h-96zm48 223.9c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zM0 384h64c17.7 0 32-14.3 32-32V128.2H0V384zm48-63.9c8.8 0 16 7.2 16 16s-7.2 16-16 16-16-7.2-16-16c0-8.9 7.2-16 16-16zm435.9 18.6L334.6 217.5l-30 27.5c-29.7 27.1-75.2 24.5-101.7-4.4-26.9-29.4-24.8-74.9 4.4-101.7L289.1 64h-83.8c-8.5 0-16.6 3.4-22.6 9.4L128 128v223.9h18.3l90.5 81.9c27.4 22.3 67.7 18.1 90-9.3l.2-.2 17.9 15.5c15.9 13 39.4 10.5 52.3-5.4l31.4-38.6 5.4 4.4c13.7 11.1 33.9 9.1 45-4.7l9.5-11.7c11.2-13.8 9.1-33.9-4.6-45.1z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323c49f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"323c49f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29cc2ce elementor-widget elementor-widget-heading\" data-id=\"29cc2ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Support<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2858d7 elementor-widget elementor-widget-text-editor\" data-id=\"a2858d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We go the extra mile for you and take care of your needs personally.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-461c1dc e-flex e-con-boxed e-con e-parent\" data-id=\"461c1dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-undefined-62b6955 e-con-full e-flex e-con e-parent\" data-id=\"undefined-62b6955\" data-element_type=\"container\" data-e-type=\"container\" id=\"questions\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-undefined-726f9fd e-con-full e-flex e-con e-child\" data-id=\"undefined-726f9fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-dc25439 elementor-widget elementor-widget-heading\" data-id=\"undefined-dc25439\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-c3ded8d elementor-widget elementor-widget-heading\" data-id=\"undefined-c3ded8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Find the answers you're looking for regarding our payroll service<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-undefined-9f556a0 e-con-full all-closed-accordion e-flex e-con e-child\" data-id=\"undefined-9f556a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-700bf14 all-closed-accordion elementor-widget elementor-widget-toggle\" data-id=\"700bf14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1171\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1171\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is payrolling in employee leasing?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1171\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1171\"><p>\u00a0In the case of payrolling, the employee is employed by the payrolling agency. The employee has all the rights and obligations of a salaried employee. The payrolling agency is now responsible for the correct registration and payment of social insurance, taxes, pension funds, etc. So that means responsible for all the bureaucracy that nobody else would even want to touch with a barge pole. And the wonderful thing is that there are designated specialists at work, which ultimately pays off in terms of results.<\/p><p>With a salary of up to 148,200 CHF per year, the GAV (Collective Labour Agreement for Employee Leasing) applies, which has numerous advantages for the employees. For example: subsidized further education, better sick day protection, better retirement provisions, and much more. The payrolling agency enters into an employment contract with the client (legal term: hiring company). Payment is made on a daily or hourly basis. Even if the payment deadlines differ between the client (or the hiring company) and the payrolling agency (or the rental company), the payrolling agency pays the wage or salary on time. Regardless of when the client pays, the money always arrives in the employee\u2019s account on time. After all, that\u2019s what matters.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1172\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1172\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">For whom does RM Group offer payrolling?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1172\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1172\"><p>Yes, it is true. We are not for everyone.<\/p><p>We have specialized in the office professions, and in particular high-potentials such as IT specialists, project managers, scientists, and other bright minds. Most of our employees (also known as \u201cresources\u201d in technical jargon) that we lend to other companies earn more than the CLA threshold of CHF 148 200 p.a. This means they need more than a standard payroll. Our insurance offers, processes and all-around services are tailored to this \u201cwhite collar\u201d sector. So that the \u201cresource\u201d gets as much net from the gross as possible. Our clients (as we learned above, hiring companies) come from the strongest segments of the economy: i.e., banking, the IT or technology sector, insurance, pharmaceuticals, industry and, of course, the public sector. All areas with a bright future.<\/p><p>Other recruitment-intensive fields such as construction and ancillary construction trades, gastronomy and tourism, production, cleaning, and facility management are not within our focus. This is simply because the salary structures require different expertise in tax and pension issues. And also because of other risk classifications, less attractive insurance rates are applicable. These sectors are better off with our colleagues.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1173\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1173\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How does the wage calculator work?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1173\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1173\"><p>Our wage calculator just works. And it does so by taking into account various individual factors that other calculators consider only insufficiently or not at all. You simply enter target values on our website: for the customer rate, the gross salary or the net amount, and the wage calculator spurts out an overview of the corresponding total costs as well as all available insurance options. Elsewhere, you\u2019d be searching for a long time.<\/p><p>The client is charged per hour of working time. This includes the payroll fee for our work and any MSP\/VMS services commissioned by the client, as well as the all-in wage costs.<\/p><p>Our payrolling fee is usually defined as per hour of service, for certain clients at their request as a % rate of the client rate\/all-in wage costs or a so-called multiplier on the gross wage is agreed upon. We are really very flexible and follow our clients\u2019 wishes. Very much in line with our philosophy \u201cGoing the Extra Mile\u201d, which has proved very successful.<\/p><p>The all-in wage costs in turn are the sum of the gross wage and the employer\u2019s contributions. All this is displayed in detail by our wage calculator. No questions will remain unanswered.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1174\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1174\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How are deployment days calculated?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1174\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1174\"><p>We do not base our calculations on calendar, gut feeling or some other criterion but strictly according to the guidelines of the Collective Labour Agreement (GAV) on Employee Leasing. And that means:<\/p><p>2187 annual hours, at 42 hours per week and 52.07 weeks per year according to Article 20, Paragraph 5 which corresponds to 21.7 days with 8.4 hours each per month.<\/p><p>Correct! When using a calculator, both a normal year with 365 days and a leap year with 366 days give different results. But that is exactly why you calculate the whole thing with our wage calculator and not with your pocket calculator.<\/p><p>In addition, the RM Group salary calculator has a multiplicative calculation tool for public holidays and holidays. In other words, after entering the number of hours of work per week, the holidays and paid public holidays are offset and deducted, so that the bottom line is the number of hours of work that can be charged.<\/p><table class=\"rm-table\"><tbody><tr><td class=\"rm-table-first\">Annual leave<\/td><td>4 weeks<\/td><td>5 weeks<\/td><td>6 weeks<\/td><\/tr><tr><td class=\"rm-table-first\">Days<\/td><td>19.41<\/td><td>19.01<\/td><td>18.60<\/td><\/tr><tr><td class=\"rm-table-first\">Vacation<\/td><td>1.67<\/td><td>2.08<\/td><td>2.50<\/td><\/tr><tr><td class=\"rm-table-first\">Public holidays<\/td><td>0.62<\/td><td>0.61<\/td><td>0.60<\/td><\/tr><tr><td class=\"rm-table-first\">Total<\/td><td>21.70<\/td><td>21.70<\/td><td>21.70<\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1175\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1175\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Which employment relationships fall under the CLA?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1175\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1175\"><p>Anyone earning more than CHF 62.55 per hour in basic wages (not including holidays, public holidays or 13th-month wages) is not covered by the CBA (the Collective Labour Agreement for Employee Leasing) and must therefore be invoiced differently. No further training contribution has to be paid for these employees. All in relation to the basic wage.<\/p><p>And how does this threshold value come about?<\/p><p>Quite simple. The maximum amount of insured earnings in the compulsory accident insurance was increased to CHF 148,200 on 1 January 2016. If you break this figure of annual earnings down to an hourly wage, you\u2019ll get the following:<\/p><p>CHF 148 200 (13 basic wages according to the CLA): 13 x 12=&gt; CHF 136 800 (12 basic wages)<\/p><p>CHF 136 800: 2187 hours per year basic wage CHF 62.55 (without public holidays, holidays, and 13th-month wage)<\/p><p>If you feel a bit dizzy now, no problem, that\u2019s what we are here for.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1176\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1176\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the individual lines in the salary calculator?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1176\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1176\"><table class=\"rm-table\"><tbody><tr class=\"rm-table-head\"><td>Contribution<\/td><td>Distribution Employer\/Employee<\/td><td>Benefits<\/td><\/tr><tr><td class=\"rm-table-first\">BVG risk premium and administrative costs<\/td><td>Basis: 50%\/50%, with certain comprehensive models 100% (patronal) through Employer<\/td><td>Insurance premium for benefits in the case of disability or in the event of death,<br \/>see our insurances for details<\/td><\/tr><tr><td class=\"rm-table-first\">BVG savings bonus<\/td><td>\u00a0<\/td><td>These funds go directly into your personal BVG savings premium,<br \/>and be paid out at retirement\/moving outside EU) or conversion to a recurring retirement pension.<\/td><\/tr><tr><td class=\"rm-table-first\">OASI (AHV)<\/td><td>Always 50%\/50%<\/td><td>Old-age and survivors\u2019 insurance-the first pillar of the Swiss pension system<\/td><\/tr><tr><td class=\"rm-table-first\">IV<\/td><td>\u00a0<\/td><td>Disability pension-if you become incapacitated and are unable to work<\/td><\/tr><tr><td class=\"rm-table-first\">EO-MSE-VSE-BUE<\/td><td>\u00a0<\/td><td>Compensation for loss of earnings\/maternity\/paternity\/care of children with severe health impairments<\/td><\/tr><tr><td class=\"rm-table-first\">OASI (AHV) administrative levies<\/td><td>100% Employer<\/td><td>Levy for AHV administration<\/td><\/tr><tr><td class=\"rm-table-first\">FAK family compensation fund<\/td><td>100% Employer<\/td><td>Family compensation funds \u2013 these contributions finance child allowances.<br \/>Since any child allowances to which you may be entitled depend on various factors,<br \/>we have not modelled them. These are CHF 215\/268 in the canton of Z\u00fcrich (exempt from AHV\/ N\/ED and BVG)<\/td><\/tr><tr><td class=\"rm-table-first\">ALV (I&amp;II)<\/td><td>Always 50% \/ 50%<\/td><td>Unemployment insurance \u2013 wages up to CHF 148,200 are insured (ALV I),<br \/>a solidarity percentage is paid on wages above this amount (ALV II)<\/td><\/tr><tr><td class=\"rm-table-first\">UVG occupational accident and supplemental insurance<br \/>up to 148\u2019200<\/td><td>100% Employer<\/td><td>This guarantees both the continued payment of wages and healthcare services in the event of an accident.<br \/>For better comparability, we have based contributions on wages up to 148\u2019200 and surplus wages up to 315\u201900.<\/td><\/tr><tr><td class=\"rm-table-first\">UVG excess wage<\/td><td>100% Employer<\/td><td>\u00a0<\/td><\/tr><tr><td class=\"rm-table-first\">KTG<\/td><td>100% Employer<\/td><td>This contribution finances the loss of earnings in the event of illness.<br \/>No salary is paid for the first two days, from the third day onwards,<br \/>the insurance pays 80%; 90% for Grade 9) of the average salary received.<\/td><\/tr><tr><td class=\"rm-table-first\">Cantonal vocational training contribution<\/td><td>100% Employer<\/td><td>\u201cThe vocational training fund of the Canton of Zurich is dedicated to maintain and increase the willingness of companies to train apprentices.<br \/>It further develops basic vocational education and strengthens its position in the education system.\u201d<br \/>As RM Group, we either pay contributions to the canton or use them to train apprentices ourselves.<br \/>Source:<a href=\"https:\/\/www.zh.ch\/de\/bildungsdirektion\/mittelschul-berufsbildungsamt\/berufsbildungsfonds.html\">Berufsbildungsfonds | Kanton Z\u00fcrich (zh.ch)<\/a><\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1177\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1177\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the costs?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1177\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1177\">Transparency is our top priority. That is why we explicitly show our payrolling fee. As a rule, we charge according to the hours worked, regardless of salary or workload. At the same time, we differentiate between our standard offers with the obligatory insurance benefits and our bespoke insurance offers. These offers naturally involve a higher outlay which carries a greater risk for us. For both the payrollee (i.e. the employee) and the hiring company, the non-wage costs are at least as important as the payrolling fee. Of course, some approaches such as AHV\/IV\/EO\/ALV are the same for all employees in Switzerland. But many approaches differ considerably from each other. They depend on the provider, the risk profile of the resources hired out, the negotiating skills of the hiring company, etc.\n\nWe have compared the corresponding sample calculations on 13 March 2025 and found glaring differences:\n\nSample calculation: Male, 40 years, CHF 100 per hour customer rate, comparison with known competitor:\n<table class=\"rm-table\">\n<tbody>\n<tr class=\"rm-table-head\">\n<td><\/td>\n<td>RM<\/td>\n<td>Competitor<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Customer rate<\/td>\n<td>100<\/td>\n<td>100<\/td>\n<\/tr>\n\n<tr>\n<td class=\"rm-table-first\">SNB<\/td>\n<td>-1.90<\/td>\n<td>-1.85<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">AHV, ALV<\/td>\n<td>-5.58<\/td>\n<td>-5.71<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">KTG<\/td>\n<td>-1.52<\/td>\n<td>-1.43<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Accident<\/td>\n<td>-0.39<\/td>\n<td>-0.37<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Other (FAK etc.)<\/td>\n<td>-1.47<\/td>\n<td>-1.43<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Gross wage<\/td>\n<td>89.16<\/td>\n<td>89.23<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">LOB<\/td>\n<td>-1.90<\/td>\n<td>-1.85<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">AHV, ALV<\/td>\n<td>-5.58<\/td>\n<td>-5.71<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">KTG funds<\/td>\n<td>0 (patronal)<\/td>\n<td>-1.42<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Accident<\/td>\n<td>-0.49<\/td>\n<td>-0.58<\/td>\n<\/tr>\n<tr>\n<td class=\"rm-table-first\">Net<\/td>\n<td>81.20<\/td>\n<td>79.66<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nDifferences in price here are primarily due to the sick pay insurance.\n\nApproaches to sick pay insurance: The competition charges a total of 3.2% of the salary when adding up the contributions of the employee and the employer. Now compare this to our rates of 1.7% for men and 2.45% for women \u2013 which are borne in total by the employer. And what\u2019s more, our sick pay solution is more comprehensive than that of many competitors (see next chapter).\n\nOther cost components that can vary, e.g.,\n\nFamily compensation fund (FAK): These vary from canton to canton and, to a lesser extent, from compensation fund to compensation fund. Therefore, the corresponding allowances also vary from canton to canton. In this respect, the RM Group in the canton of Zurich is on the favourable side with 1.25%.\n\nRisk premium and administration fees of BVG insurance: We have agreed on a flat-rate percentage with Profond (irrespective of age). In the basic variant, this amounts to only 0.60% (of the compulsorily insured salary) for both employer and employee, and is thus significantly lower than many other competitors. In order to allow for comparability, we separate the savings portion. Many competitors only show the consolidated retirement percentages for savings, risk, and administration \u2013 and some of them can also show these percentages for the employer and the employee \u2013 and some can only make definitive calculations on signing up. The difference in costs (for the same benefits) can amount to more than 1% of the insured salary. It is therefore important to clarify this before signing a contract.\n\nCost split by employer and \/ or employee: There are also differences in the distribution \/ spilt of non-wage costs between employer and employee. Patronage contributions (i.e., contributions borne by the employer) generally reduce the AHV \/IV\/EO\/ALV assessment basis and thus the contributions for the employee.\n\nWhat matters most is what comes out in the end. We will be happy to assist you in making comparisons, if necessary.\n\nFor the payrollee (employee), in addition to the salary, the benefits naturally also play a major role and more on this in the next section.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1178\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1178\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">The (social) insurance benefits are the same amongst all providers - or are they?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1178\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1178\"><p>Certain benefits such as AHV (old-age and survivors\u2019 insurance) are of course standardized. But with all other benefits, there are sometimes significant differences in the comprehensive solutions:<\/p><p>Pension Fund: It already starts with the savings contribution. We explicitly show the savings contribution separately from the risk and administration fees. While this is comparable in the basic option for full-time employment, the savings contribution differs from the risk and administration fees, and significantly for the more comprehensive solutions.<\/p><p>The interest rate for the total BVG assets is also of great importance: because many of the well-represented insurance companies in the employee leasing sector do not pay more than the minimum interest rate set by the Federal Council. Our provider Profond, on the other hand, is a regular winner of the tagi and fuw pension fund comparison and, with an interest rate of 8% for 2024, is once again in a class of its own.<\/p><p>With a well-stocked pension fund, the difference in interest rates is in the five-digit range. And that\u2019s just for the year 2024! Risk premium and insured benefits: Again, you have to compare the relevant salary and benefits in detail. The benefits are usually shown as a percentage of the insured salary. While many payrolling providers offer no choice, at RM Group, we offer three options. Because just as our employees are not all the same, their needs are just as different.<\/p><p>Sick pay insurance: There are various aspects to be compared:<\/p><p>RM offers 80% or 90% depending on the insurance package.<br \/>Regardless of the waiting period agreed between the employer and the insurance company, the employer can suspend the continued payment of wages during the first days of sickness. According to general case law, a waiting period of up to 3 days is permissible. For companies that, like RM, are subject to the CBA Employee Leasing, this period is reduced to 2 days. This means 1 extra day\u2019s pay in the event of a prolonged sickness \u2013 Money that is often urgently needed for the associated medical bills. In the case of even longer waiting periods (e.g. 30 days), it is essential to clarify how wages will be financed during the waiting period. If worse comes to worst, the accident should not also be accompanied by further insults such as a major loss of wages. In our opinion, such sample calculations are simply untrustworthy.<br \/>Additional services: RM focuses on sought-after specialists and experts in IT, project management, finance and science. For female employees on maternity leave, we do not only pay the obligatory EO daily allowance of a maximum of CHF 196 but also 80% or 90% (depending on the model) of the full salary.<br \/>Accident insurance: The SUVA insurance, which is obligatory for companies in the employee leasing sector, is comparable to them as far as the benefits are concerned. The costs, however, differ considerably.<\/p><p>These questions should be answered carefully:<\/p><p>What percentage of the payroll is insured?<br \/>RM offers 80% or 90% depending on the insurance package.<\/p><p>Is the entire salary insured?<br \/>The standard insurance (e.g., via SUV) usually only covers a salary of up to CHF 148,200 per year. If you earn more, you are in good hands with the RM Group. This is because we cover the entire difference above the threshold of CHF 148,200 p.a. through excess insurance. In principle, the employer is accountable. We fulfill this obligation conscientiously. Unfortunately, we are also aware of examples where the employer does not fulfill this obligation to the detriment of the employee.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1179\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1179\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How and when is leave paid out?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1179\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1179\"><p>In our salary calculator, the holiday entitlement is shown as a supplement to the basic salary, just as defined in the Collective Labour Agreement for Employee Leasing.<\/p><p>These are 8.33 % for 4 weeks\u2019 holiday, calculated on the basis of full-time employment. 10.60% for 5 weeks\u2019 vacation calculated on the basis of full-time employment etc.<\/p><p>The law and the CLA (Collective Labour Agreement) define the minimum leave entitlement as follows:<\/p><ul><li>4 weeks\u2019 leave per year of employment as an absolute minimum for all<\/li><li>5 weeks\u2019 leave per year of employment for employees in the CLA from the age of 50 onwards<\/li><li>Additional leave can be arranged, and our wage calculator is flexible enough to allow for up to 8 weeks of leave per year. Anything beyond that, and our calculator will stop working out of sheer envy<\/li><\/ul><p>As stipulated in Swiss labour law, leave is always paid out when taken. If the leave has not been used or has not been used in full, the remaining balance at the end of the employment is paid as additional wages.<\/p><p>A percentage payment of the leave entitlement is only permitted for sporadic, irregular assignments.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11710\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-11710\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When are which bank holidays paid out as wages?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11710\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-11710\"><p>In principle, employers in Switzerland are only obliged to pay wages on National Holiday (1 August).<\/p><p>The CLA (Collective Labour Agreement) also regulates the payment of wages for all public holidays treated as Sundays. To simplify the entire procedure, these can be regulated by a flat-rate surcharge of 3.2%. The RM Group prefers simple solutions in the interests of its employees and therefore pays a default flat-rate surcharge of 3.2% on top of the salary. This is always based on the actual working hours. This simplifies the process for all parties involved.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11711\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-11711\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When will the wages be paid?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11711\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-11711\"><p>We process the wages for our employees as soon as we receive a time tracking record approved by the customer (hiring company).<\/p><p>We pay the wages on the following 3rd working day at the latest. We are usually much quicker, though.<\/p><p>Not only that, but we also do not charge our employees a fee for the pre-financing of their wages or for the risk of default.<\/p><p>Other procedures often found in the marketplace are neither in line with our philosophy nor our legal opinion.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11712\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-11712\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What further training does the RM Group offer?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11712\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-11712\"><p>As an employer, the RM Group is subject to the Collective Labour Agreement (CLA) on Employee Leasing. For our employees, this means that contributions to the parity training fund are made for every employee provision within the CLA guidelines, i.e., up to a basic salary of CHF 62.55 per hour. Accordingly, each RM Group employee subject to the CBA can take advantage of this further education provision.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11713\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-11713\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Why do you handle this as employee leasing and not as a conract?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11713\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-11713\"><p>Wage portage, as propagated by certain providers, implies a service contract between the client (hiring company) and the payrollee (employee). For this to be the case, the payrollee would have to be able to carry out their assignments independently without being integrated into the client\u2019s work organization and would have to be independent of the client\u2019s enterprise. In our experience, this distinction from employee leasing is incompatible with reality. Many assignments are full-time or at least the primary source of income for months at a time, and clients demand integration into the team (whether agile or not) without recognizable differentiation from internal employees. With assignments, in contrast to employee leasing, it is not always possible to charge for all hours worked, and in the case of (assumed) poor performance, there is a risk of not being remunerated at all.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is payrolling in employee leasing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00a0In the case of payrolling, the employee is employed by the payrolling agency. The employee has all the rights and obligations of a salaried employee. The payrolling agency is now responsible for the correct registration and payment of social insurance, taxes, pension funds, etc. So that means responsible for all the bureaucracy that nobody else would even want to touch with a barge pole. And the wonderful thing is that there are designated specialists at work, which ultimately pays off in terms of results.<\\\/p><p>With a salary of up to 148,200 CHF per year, the GAV (Collective Labour Agreement for Employee Leasing) applies, which has numerous advantages for the employees. For example: subsidized further education, better sick day protection, better retirement provisions, and much more. The payrolling agency enters into an employment contract with the client (legal term: hiring company). Payment is made on a daily or hourly basis. Even if the payment deadlines differ between the client (or the hiring company) and the payrolling agency (or the rental company), the payrolling agency pays the wage or salary on time. Regardless of when the client pays, the money always arrives in the employee\\u2019s account on time. After all, that\\u2019s what matters.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"For whom does RM Group offer payrolling?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes, it is true. We are not for everyone.<\\\/p><p>We have specialized in the office professions, and in particular high-potentials such as IT specialists, project managers, scientists, and other bright minds. Most of our employees (also known as \\u201cresources\\u201d in technical jargon) that we lend to other companies earn more than the CLA threshold of CHF 148 200 p.a. This means they need more than a standard payroll. Our insurance offers, processes and all-around services are tailored to this \\u201cwhite collar\\u201d sector. So that the \\u201cresource\\u201d gets as much net from the gross as possible. Our clients (as we learned above, hiring companies) come from the strongest segments of the economy: i.e., banking, the IT or technology sector, insurance, pharmaceuticals, industry and, of course, the public sector. All areas with a bright future.<\\\/p><p>Other recruitment-intensive fields such as construction and ancillary construction trades, gastronomy and tourism, production, cleaning, and facility management are not within our focus. This is simply because the salary structures require different expertise in tax and pension issues. And also because of other risk classifications, less attractive insurance rates are applicable. These sectors are better off with our colleagues.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How does the wage calculator work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Our wage calculator just works. And it does so by taking into account various individual factors that other calculators consider only insufficiently or not at all. You simply enter target values on our website: for the customer rate, the gross salary or the net amount, and the wage calculator spurts out an overview of the corresponding total costs as well as all available insurance options. Elsewhere, you\\u2019d be searching for a long time.<\\\/p><p>The client is charged per hour of working time. This includes the payroll fee for our work and any MSP\\\/VMS services commissioned by the client, as well as the all-in wage costs.<\\\/p><p>Our payrolling fee is usually defined as per hour of service, for certain clients at their request as a % rate of the client rate\\\/all-in wage costs or a so-called multiplier on the gross wage is agreed upon. We are really very flexible and follow our clients\\u2019 wishes. Very much in line with our philosophy \\u201cGoing the Extra Mile\\u201d, which has proved very successful.<\\\/p><p>The all-in wage costs in turn are the sum of the gross wage and the employer\\u2019s contributions. All this is displayed in detail by our wage calculator. No questions will remain unanswered.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How are deployment days calculated?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We do not base our calculations on calendar, gut feeling or some other criterion but strictly according to the guidelines of the Collective Labour Agreement (GAV) on Employee Leasing. And that means:<\\\/p><p>2187 annual hours, at 42 hours per week and 52.07 weeks per year according to Article 20, Paragraph 5 which corresponds to 21.7 days with 8.4 hours each per month.<\\\/p><p>Correct! When using a calculator, both a normal year with 365 days and a leap year with 366 days give different results. But that is exactly why you calculate the whole thing with our wage calculator and not with your pocket calculator.<\\\/p><p>In addition, the RM Group salary calculator has a multiplicative calculation tool for public holidays and holidays. In other words, after entering the number of hours of work per week, the holidays and paid public holidays are offset and deducted, so that the bottom line is the number of hours of work that can be charged.<\\\/p><table class=\\\"rm-table\\\"><tbody><tr><td class=\\\"rm-table-first\\\">Annual leave<\\\/td><td>4 weeks<\\\/td><td>5 weeks<\\\/td><td>6 weeks<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Days<\\\/td><td>19.41<\\\/td><td>19.01<\\\/td><td>18.60<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Vacation<\\\/td><td>1.67<\\\/td><td>2.08<\\\/td><td>2.50<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Public holidays<\\\/td><td>0.62<\\\/td><td>0.61<\\\/td><td>0.60<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Total<\\\/td><td>21.70<\\\/td><td>21.70<\\\/td><td>21.70<\\\/td><\\\/tr><\\\/tbody><\\\/table>\"}},{\"@type\":\"Question\",\"name\":\"Which employment relationships fall under the CLA?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Anyone earning more than CHF 62.55 per hour in basic wages (not including holidays, public holidays or 13th-month wages) is not covered by the CBA (the Collective Labour Agreement for Employee Leasing) and must therefore be invoiced differently. No further training contribution has to be paid for these employees. All in relation to the basic wage.<\\\/p><p>And how does this threshold value come about?<\\\/p><p>Quite simple. The maximum amount of insured earnings in the compulsory accident insurance was increased to CHF 148,200 on 1 January 2016. If you break this figure of annual earnings down to an hourly wage, you\\u2019ll get the following:<\\\/p><p>CHF 148 200 (13 basic wages according to the CLA): 13 x 12=&gt; CHF 136 800 (12 basic wages)<\\\/p><p>CHF 136 800: 2187 hours per year basic wage CHF 62.55 (without public holidays, holidays, and 13th-month wage)<\\\/p><p>If you feel a bit dizzy now, no problem, that\\u2019s what we are here for.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What are the individual lines in the salary calculator?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<table class=\\\"rm-table\\\"><tbody><tr class=\\\"rm-table-head\\\"><td>Contribution<\\\/td><td>Distribution Employer\\\/Employee<\\\/td><td>Benefits<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">BVG risk premium and administrative costs<\\\/td><td>Basis: 50%\\\/50%, with certain comprehensive models 100% (patronal) through Employer<\\\/td><td>Insurance premium for benefits in the case of disability or in the event of death,<br \\\/>see our insurances for details<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">BVG savings bonus<\\\/td><td>\\u00a0<\\\/td><td>These funds go directly into your personal BVG savings premium,<br \\\/>and be paid out at retirement\\\/moving outside EU) or conversion to a recurring retirement pension.<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">OASI (AHV)<\\\/td><td>Always 50%\\\/50%<\\\/td><td>Old-age and survivors\\u2019 insurance-the first pillar of the Swiss pension system<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">IV<\\\/td><td>\\u00a0<\\\/td><td>Disability pension-if you become incapacitated and are unable to work<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">EO-MSE-VSE-BUE<\\\/td><td>\\u00a0<\\\/td><td>Compensation for loss of earnings\\\/maternity\\\/paternity\\\/care of children with severe health impairments<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">OASI (AHV) administrative levies<\\\/td><td>100% Employer<\\\/td><td>Levy for AHV administration<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">FAK family compensation fund<\\\/td><td>100% Employer<\\\/td><td>Family compensation funds \\u2013 these contributions finance child allowances.<br \\\/>Since any child allowances to which you may be entitled depend on various factors,<br \\\/>we have not modelled them. These are CHF 215\\\/268 in the canton of Z\\u00fcrich (exempt from AHV\\\/ N\\\/ED and BVG)<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">ALV (I&amp;II)<\\\/td><td>Always 50% \\\/ 50%<\\\/td><td>Unemployment insurance \\u2013 wages up to CHF 148,200 are insured (ALV I),<br \\\/>a solidarity percentage is paid on wages above this amount (ALV II)<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">UVG occupational accident and supplemental insurance<br \\\/>up to 148\\u2019200<\\\/td><td>100% Employer<\\\/td><td>This guarantees both the continued payment of wages and healthcare services in the event of an accident.<br \\\/>For better comparability, we have based contributions on wages up to 148\\u2019200 and surplus wages up to 315\\u201900.<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">UVG excess wage<\\\/td><td>100% Employer<\\\/td><td>\\u00a0<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">KTG<\\\/td><td>100% Employer<\\\/td><td>This contribution finances the loss of earnings in the event of illness.<br \\\/>No salary is paid for the first two days, from the third day onwards,<br \\\/>the insurance pays 80%; 90% for Grade 9) of the average salary received.<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Cantonal vocational training contribution<\\\/td><td>100% Employer<\\\/td><td>\\u201cThe vocational training fund of the Canton of Zurich is dedicated to maintain and increase the willingness of companies to train apprentices.<br \\\/>It further develops basic vocational education and strengthens its position in the education system.\\u201d<br \\\/>As RM Group, we either pay contributions to the canton or use them to train apprentices ourselves.<br \\\/>Source:<a href=\\\"https:\\\/\\\/www.zh.ch\\\/de\\\/bildungsdirektion\\\/mittelschul-berufsbildungsamt\\\/berufsbildungsfonds.html\\\">Berufsbildungsfonds | Kanton Z\\u00fcrich (zh.ch)<\\\/a><\\\/td><\\\/tr><\\\/tbody><\\\/table>\"}},{\"@type\":\"Question\",\"name\":\"What are the costs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Transparency is our top priority. That is why we explicitly show our payrolling fee. As a rule, we charge according to the hours worked, regardless of salary or workload. At the same time, we differentiate between our standard offers with the obligatory insurance benefits and our bespoke insurance offers. These offers naturally involve a higher outlay which carries a greater risk for us. For both the payrollee (i.e. the employee) and the hiring company, the non-wage costs are at least as important as the payrolling fee. Of course, some approaches such as AHV\\\/IV\\\/EO\\\/ALV are the same for all employees in Switzerland. But many approaches differ considerably from each other. They depend on the provider, the risk profile of the resources hired out, the negotiating skills of the hiring company, etc.\\n\\nWe have compared the corresponding sample calculations on 13 March 2025 and found glaring differences:\\n\\nSample calculation: Male, 40 years, CHF 100 per hour customer rate, comparison with known competitor:\\n<table class=\\\"rm-table\\\">\\n<tbody>\\n<tr class=\\\"rm-table-head\\\">\\n<td><\\\/td>\\n<td>RM<\\\/td>\\n<td>Competitor<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Customer rate<\\\/td>\\n<td>100<\\\/td>\\n<td>100<\\\/td>\\n<\\\/tr>\\n\\n<tr>\\n<td class=\\\"rm-table-first\\\">SNB<\\\/td>\\n<td>-1.90<\\\/td>\\n<td>-1.85<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">AHV, ALV<\\\/td>\\n<td>-5.58<\\\/td>\\n<td>-5.71<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">KTG<\\\/td>\\n<td>-1.52<\\\/td>\\n<td>-1.43<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Accident<\\\/td>\\n<td>-0.39<\\\/td>\\n<td>-0.37<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Other (FAK etc.)<\\\/td>\\n<td>-1.47<\\\/td>\\n<td>-1.43<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Gross wage<\\\/td>\\n<td>89.16<\\\/td>\\n<td>89.23<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">LOB<\\\/td>\\n<td>-1.90<\\\/td>\\n<td>-1.85<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">AHV, ALV<\\\/td>\\n<td>-5.58<\\\/td>\\n<td>-5.71<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">KTG funds<\\\/td>\\n<td>0 (patronal)<\\\/td>\\n<td>-1.42<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Accident<\\\/td>\\n<td>-0.49<\\\/td>\\n<td>-0.58<\\\/td>\\n<\\\/tr>\\n<tr>\\n<td class=\\\"rm-table-first\\\">Net<\\\/td>\\n<td>81.20<\\\/td>\\n<td>79.66<\\\/td>\\n<\\\/tr>\\n<\\\/tbody>\\n<\\\/table>\\nDifferences in price here are primarily due to the sick pay insurance.\\n\\nApproaches to sick pay insurance: The competition charges a total of 3.2% of the salary when adding up the contributions of the employee and the employer. Now compare this to our rates of 1.7% for men and 2.45% for women \\u2013 which are borne in total by the employer. And what\\u2019s more, our sick pay solution is more comprehensive than that of many competitors (see next chapter).\\n\\nOther cost components that can vary, e.g.,\\n\\nFamily compensation fund (FAK): These vary from canton to canton and, to a lesser extent, from compensation fund to compensation fund. Therefore, the corresponding allowances also vary from canton to canton. In this respect, the RM Group in the canton of Zurich is on the favourable side with 1.25%.\\n\\nRisk premium and administration fees of BVG insurance: We have agreed on a flat-rate percentage with Profond (irrespective of age). In the basic variant, this amounts to only 0.60% (of the compulsorily insured salary) for both employer and employee, and is thus significantly lower than many other competitors. In order to allow for comparability, we separate the savings portion. Many competitors only show the consolidated retirement percentages for savings, risk, and administration \\u2013 and some of them can also show these percentages for the employer and the employee \\u2013 and some can only make definitive calculations on signing up. The difference in costs (for the same benefits) can amount to more than 1% of the insured salary. It is therefore important to clarify this before signing a contract.\\n\\nCost split by employer and \\\/ or employee: There are also differences in the distribution \\\/ spilt of non-wage costs between employer and employee. Patronage contributions (i.e., contributions borne by the employer) generally reduce the AHV \\\/IV\\\/EO\\\/ALV assessment basis and thus the contributions for the employee.\\n\\nWhat matters most is what comes out in the end. We will be happy to assist you in making comparisons, if necessary.\\n\\nFor the payrollee (employee), in addition to the salary, the benefits naturally also play a major role and more on this in the next section.\"}},{\"@type\":\"Question\",\"name\":\"The (social) insurance benefits are the same amongst all providers - or are they?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Certain benefits such as AHV (old-age and survivors\\u2019 insurance) are of course standardized. But with all other benefits, there are sometimes significant differences in the comprehensive solutions:<\\\/p><p>Pension Fund: It already starts with the savings contribution. We explicitly show the savings contribution separately from the risk and administration fees. While this is comparable in the basic option for full-time employment, the savings contribution differs from the risk and administration fees, and significantly for the more comprehensive solutions.<\\\/p><p>The interest rate for the total BVG assets is also of great importance: because many of the well-represented insurance companies in the employee leasing sector do not pay more than the minimum interest rate set by the Federal Council. Our provider Profond, on the other hand, is a regular winner of the tagi and fuw pension fund comparison and, with an interest rate of 8% for 2024, is once again in a class of its own.<\\\/p><p>With a well-stocked pension fund, the difference in interest rates is in the five-digit range. And that\\u2019s just for the year 2024! Risk premium and insured benefits: Again, you have to compare the relevant salary and benefits in detail. The benefits are usually shown as a percentage of the insured salary. While many payrolling providers offer no choice, at RM Group, we offer three options. Because just as our employees are not all the same, their needs are just as different.<\\\/p><p>Sick pay insurance: There are various aspects to be compared:<\\\/p><p>RM offers 80% or 90% depending on the insurance package.<br \\\/>Regardless of the waiting period agreed between the employer and the insurance company, the employer can suspend the continued payment of wages during the first days of sickness. According to general case law, a waiting period of up to 3 days is permissible. For companies that, like RM, are subject to the CBA Employee Leasing, this period is reduced to 2 days. This means 1 extra day\\u2019s pay in the event of a prolonged sickness \\u2013 Money that is often urgently needed for the associated medical bills. In the case of even longer waiting periods (e.g. 30 days), it is essential to clarify how wages will be financed during the waiting period. If worse comes to worst, the accident should not also be accompanied by further insults such as a major loss of wages. In our opinion, such sample calculations are simply untrustworthy.<br \\\/>Additional services: RM focuses on sought-after specialists and experts in IT, project management, finance and science. For female employees on maternity leave, we do not only pay the obligatory EO daily allowance of a maximum of CHF 196 but also 80% or 90% (depending on the model) of the full salary.<br \\\/>Accident insurance: The SUVA insurance, which is obligatory for companies in the employee leasing sector, is comparable to them as far as the benefits are concerned. The costs, however, differ considerably.<\\\/p><p>These questions should be answered carefully:<\\\/p><p>What percentage of the payroll is insured?<br \\\/>RM offers 80% or 90% depending on the insurance package.<\\\/p><p>Is the entire salary insured?<br \\\/>The standard insurance (e.g., via SUV) usually only covers a salary of up to CHF 148,200 per year. If you earn more, you are in good hands with the RM Group. This is because we cover the entire difference above the threshold of CHF 148,200 p.a. through excess insurance. In principle, the employer is accountable. We fulfill this obligation conscientiously. Unfortunately, we are also aware of examples where the employer does not fulfill this obligation to the detriment of the employee.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How and when is leave paid out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In our salary calculator, the holiday entitlement is shown as a supplement to the basic salary, just as defined in the Collective Labour Agreement for Employee Leasing.<\\\/p><p>These are 8.33 % for 4 weeks\\u2019 holiday, calculated on the basis of full-time employment. 10.60% for 5 weeks\\u2019 vacation calculated on the basis of full-time employment etc.<\\\/p><p>The law and the CLA (Collective Labour Agreement) define the minimum leave entitlement as follows:<\\\/p><ul><li>4 weeks\\u2019 leave per year of employment as an absolute minimum for all<\\\/li><li>5 weeks\\u2019 leave per year of employment for employees in the CLA from the age of 50 onwards<\\\/li><li>Additional leave can be arranged, and our wage calculator is flexible enough to allow for up to 8 weeks of leave per year. Anything beyond that, and our calculator will stop working out of sheer envy<\\\/li><\\\/ul><p>As stipulated in Swiss labour law, leave is always paid out when taken. If the leave has not been used or has not been used in full, the remaining balance at the end of the employment is paid as additional wages.<\\\/p><p>A percentage payment of the leave entitlement is only permitted for sporadic, irregular assignments.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"When are which bank holidays paid out as wages?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In principle, employers in Switzerland are only obliged to pay wages on National Holiday (1 August).<\\\/p><p>The CLA (Collective Labour Agreement) also regulates the payment of wages for all public holidays treated as Sundays. To simplify the entire procedure, these can be regulated by a flat-rate surcharge of 3.2%. The RM Group prefers simple solutions in the interests of its employees and therefore pays a default flat-rate surcharge of 3.2% on top of the salary. This is always based on the actual working hours. This simplifies the process for all parties involved.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"When will the wages be paid?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We process the wages for our employees as soon as we receive a time tracking record approved by the customer (hiring company).<\\\/p><p>We pay the wages on the following 3rd working day at the latest. We are usually much quicker, though.<\\\/p><p>Not only that, but we also do not charge our employees a fee for the pre-financing of their wages or for the risk of default.<\\\/p><p>Other procedures often found in the marketplace are neither in line with our philosophy nor our legal opinion.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What further training does the RM Group offer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>As an employer, the RM Group is subject to the Collective Labour Agreement (CLA) on Employee Leasing. For our employees, this means that contributions to the parity training fund are made for every employee provision within the CLA guidelines, i.e., up to a basic salary of CHF 62.55 per hour. Accordingly, each RM Group employee subject to the CBA can take advantage of this further education provision.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Why do you handle this as employee leasing and not as a conract?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Wage portage, as propagated by certain providers, implies a service contract between the client (hiring company) and the payrollee (employee). For this to be the case, the payrollee would have to be able to carry out their assignments independently without being integrated into the client\\u2019s work organization and would have to be independent of the client\\u2019s enterprise. In our experience, this distinction from employee leasing is incompatible with reality. Many assignments are full-time or at least the primary source of income for months at a time, and clients demand integration into the team (whether agile or not) without recognizable differentiation from internal employees. With assignments, in contrast to employee leasing, it is not always possible to charge for all hours worked, and in the case of (assumed) poor performance, there is a risk of not being remunerated at all.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33997f3 hidden elementor-widget elementor-widget-toggle\" data-id=\"33997f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5411\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5411\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is payrolling in employee leasing?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5411\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-5411\"><p>Our goal is to redefine excellence in IT and professional recruitment in Switzerland. We strive to deliver top-tier talent to our clients while offering fulfilling assignments and fostering partnerships based on trust.<span style=\"font-style: inherit; font-weight: inherit; font-family: var( --e-global-typography-accent-font-family ), Sans-serif; color: var(--ast-global-color-3);\">With our local expertise, advanced technology, and commitment to reliability, we aim to proactively influence change in the Swiss recruitment industry, driving sustainable growth and innovation for all stakeholders.<\/span><\/p><p><span style=\"text-decoration: underline;\">In the case of payrolling, the employee is employed by the payrolling agency. The employee has all the rights and obligations of a salaried employee. The payrolling agency is now responsible for the correct registration and payment of social insurance, taxes, pension funds, etc. So that means responsible for all the bureaucracy that nobody else would even want to touch with a barge pole. And the wonderful thing is that there are designated specialists at work, which ultimately pays off in terms of results.<\/span><\/p><p><span style=\"text-decoration: underline;\">With a salary of up to 148,200 CHF per year, the GAV (Collective Labour Agreement for Employee Leasing) applies, which has numerous advantages for the employees. For example: subsidized further education, better sick day protection, better retirement provisions, and much more. The payrolling agency enters into an employment contract with the client (legal term: hiring company). Payment is made on a daily or hourly basis. Even if the payment deadlines differ between the client (or the hiring company) and the payrolling agency (or the rental company), the payrolling agency pays the wage or salary on time. Regardless of when the client pays, the money always arrives in the employee\u2019s account on time. After all, that\u2019s what matters.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5412\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-5412\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">For whom does RM Group offer payrolling?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5412\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-5412\"><p>Yes, it is true. We are not for everyone.<\/p><p>We have specialized in the office professions, and in particular high-potentials such as IT specialists, project managers, scientists, and other bright minds. Most of our employees (also known as \u201cresources\u201d in technical jargon) that we lend to other companies earn more than the CLA threshold of CHF 148 200 p.a. This means they need more than a standard payroll. Our insurance offers, processes and all-around services are tailored to this \u201cwhite collar\u201d sector. So that the \u201cresource\u201d gets as much net from the gross as possible. Our clients (as we learned above, hiring companies) come from the strongest segments of the economy: i.e., banking, the IT or technology sector, insurance, pharmaceuticals, industry and, of course, the public sector. All areas with a bright future.<\/p><p>Other recruitment-intensive fields such as construction and ancillary construction trades, gastronomy and tourism, production, cleaning, and facility management are not within our focus. This is simply because the salary structures require different expertise in tax and pension issues. And also because of other risk classifications, less attractive insurance rates are applicable. These sectors are better off with our colleagues.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5413\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-5413\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How does the wage calculator work?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5413\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-5413\"><p>Our wage calculator just works. And it does so by taking into account various individual factors that other calculators consider only insufficiently or not at all. You simply enter target values on our website: for the customer rate, the gross salary or the net amount, and the wage calculator spurts out an overview of the corresponding total costs as well as all available insurance options. Elsewhere, you\u2019d be searching for a long time.<\/p><p>The client is charged per hour of working time. This includes the payroll fee for our work and any MSP\/VMS services commissioned by the client, as well as the all-in wage costs.<\/p><p>Our payrolling fee is usually defined as per hour of service, for certain clients at their request as a % rate of the client rate\/all-in wage costs or a so-called multiplier on the gross wage is agreed upon. We are really very flexible and follow our clients\u2019 wishes. Very much in line with our philosophy \u201cGoing the Extra Mile\u201d, which has proved very successful.<\/p><p>The all-in wage costs in turn are the sum of the gross wage and the employer\u2019s contributions. All this is displayed in detail by our wage calculator. No questions will remain unanswered.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5414\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-5414\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How are deployment days calculated?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5414\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-5414\"><p>We do not base our calculations on calendar, gut feeling or some other criterion but strictly according to the guidelines of the Collective Labour Agreement (GAV) on Employee Leasing. And that means:<\/p><p>2187 annual hours, at 42 hours per week and 52.07 weeks per year according to Article 20, Paragraph 5 which corresponds to 21.7 days with 8.4 hours each per month.<\/p><p>Correct! When using a calculator, both a normal year with 365 days and a leap year with 366 days give different results. But that is exactly why you calculate the whole thing with our wage calculator and not with your pocket calculator.<\/p><p>In addition, the RM Group salary calculator has a multiplicative calculation tool for public holidays and holidays. In other words, after entering the number of hours of work per week, the holidays and paid public holidays are offset and deducted, so that the bottom line is the number of hours of work that can be charged.<\/p><table class=\"rm-table\"><tbody><tr><td class=\"rm-table-first\">Annual leave<\/td><td>4 weeks<\/td><td>5 weeks<\/td><td>6 weeks<\/td><\/tr><tr><td class=\"rm-table-first\">Days<\/td><td>19.41<\/td><td>19.01<\/td><td>18.60<\/td><\/tr><tr><td class=\"rm-table-first\">Vacation<\/td><td>1.67<\/td><td>2.08<\/td><td>2.50<\/td><\/tr><tr><td class=\"rm-table-first\">Public holidays<\/td><td>0.62<\/td><td>0.61<\/td><td>0.60<\/td><\/tr><tr><td class=\"rm-table-first\">Total<\/td><td>21.70<\/td><td>21.70<\/td><td>21.70<\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5415\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-5415\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Which employment relationships fall under the CLA?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5415\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-5415\"><p>Anyone earning more than CHF 62.55 per hour in basic wages (not including holidays, public holidays or 13th-month wages) is not covered by the CBA (the Collective Labour Agreement for Employee Leasing) and must therefore be invoiced differently. No further training contribution has to be paid for these employees. All in relation to the basic wage.<\/p><p>And how does this threshold value come about?<\/p><p>Quite simple. The maximum amount of insured earnings in the compulsory accident insurance was increased to CHF 148,200 on 1 January 2016. If you break this figure of annual earnings down to an hourly wage, you\u2019ll get the following:<\/p><p>CHF 148 200 (13 basic wages according to the CLA): 13 x 12=&gt; CHF 136 800 (12 basic wages)<\/p><p>CHF 136 800: 2187 hours per year basic wage CHF 62.55 (without public holidays, holidays, and 13th-month wage)<\/p><p>If you feel a bit dizzy now, no problem, that\u2019s what we are here for.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5416\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-5416\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the individual lines in the salary calculator?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5416\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-5416\"><table class=\"rm-table\"><tbody><tr class=\"rm-table-head\"><td>Contribution<\/td><td>Distribution Employer\/Employee<\/td><td>Benefits<\/td><\/tr><tr><td class=\"rm-table-first\">BVG risk premium and administrative costs<\/td><td>Basis: 50%\/50%, with certain comprehensive models 100% (patronal) through Employer<\/td><td>Insurance premium for benefits in the case of disability or in the event of death,<br \/>see our insurances for details<\/td><\/tr><tr><td class=\"rm-table-first\">BVG savings bonus<\/td><td>\u00a0<\/td><td>These funds go directly into your personal BVG savings premium,<br \/>and be paid out at retirement\/moving outside EU) or conversion to a recurring retirement pension.<\/td><\/tr><tr><td class=\"rm-table-first\">OASI (AHV)<\/td><td>Always 50%\/50%<\/td><td>Old-age and survivors\u2019 insurance-the first pillar of the Swiss pension system<\/td><\/tr><tr><td class=\"rm-table-first\">IV<\/td><td>\u00a0<\/td><td>Disability pension-if you become incapacitated and are unable to work<\/td><\/tr><tr><td class=\"rm-table-first\">EO-MSE-VSE-BUE<\/td><td>\u00a0<\/td><td>Compensation for loss of earnings\/maternity\/paternity\/care of children with severe health impairments<\/td><\/tr><tr><td class=\"rm-table-first\">OASI (AHV) administrative levies<\/td><td>100% Employer<\/td><td>Levy for AHV administration<\/td><\/tr><tr><td class=\"rm-table-first\">FAK family compensation fund<\/td><td>100% Employer<\/td><td>Family compensation funds \u2013 these contributions finance child allowances.<br \/>Since any child allowances to which you may be entitled depend on various factors,<br \/>we have not modelled them. These are CHF 215\/268 in the canton of Z\u00fcrich (exempt from AHV\/ N\/ED and BVG)<\/td><\/tr><tr><td class=\"rm-table-first\">ALV (I&amp;II)<\/td><td>Always 50% \/ 50%<\/td><td>Unemployment insurance \u2013 wages up to CHF 148,200 are insured (ALV I),<br \/>a solidarity percentage is paid on wages above this amount (ALV II)<\/td><\/tr><tr><td class=\"rm-table-first\">UVG occupational accident and supplemental insurance<br \/>up to 148\u2019200<\/td><td>100% Employer<\/td><td>This guarantees both the continued payment of wages and healthcare services in the event of an accident.<br \/>For better comparability, we have based contributions on wages up to 148\u2019200 and surplus wages up to 315\u201900.<\/td><\/tr><tr><td class=\"rm-table-first\">UVG excess wage<\/td><td>100% Employer<\/td><td>\u00a0<\/td><\/tr><tr><td class=\"rm-table-first\">KTG<\/td><td>100% Employer<\/td><td>This contribution finances the loss of earnings in the event of illness.<br \/>No salary is paid for the first two days, from the third day onwards,<br \/>the insurance pays 80%; 90% for Grade 9) of the average salary received.<\/td><\/tr><tr><td class=\"rm-table-first\">Cantonal vocational training contribution<\/td><td>100% Employer<\/td><td>\u201cThe vocational training fund of the Canton of Zurich is dedicated to maintain and increase the willingness of companies to train apprentices.<br \/>It further develops basic vocational education and strengthens its position in the education system.\u201d<br \/>As RM Group, we either pay contributions to the canton or use them to train apprentices ourselves.<br \/>Source:<a href=\"https:\/\/www.zh.ch\/de\/bildungsdirektion\/mittelschul-berufsbildungsamt\/berufsbildungsfonds.html\">Berufsbildungsfonds | Kanton Z\u00fcrich (zh.ch)<\/a><\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5417\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-5417\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the costs?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5417\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-5417\"><p>Transparency is our top priority. That is why we explicitly show our payrolling fee. As a rule, we charge according to the hours worked, regardless of salary or workload. At the same time, we differentiate between our standard offers with the obligatory insurance benefits and our bespoke insurance offers. These offers naturally involve a higher outlay which carries a greater risk for us. For both the payrollee (i.e. the employee) and the hiring company, the non-wage costs are at least as important as the payrolling fee. Of course, some approaches such as AHV\/IV\/EO\/ALV are the same for all employees in Switzerland. But many approaches differ considerably from each other. They depend on the provider, the risk profile of the resources hired out, the negotiating skills of the hiring company, etc.<\/p><p>We have compared the corresponding sample calculations in Q1 2022 and found glaring differences:<\/p><p>Sample calculation: Male, 40 years, CHF 100 per hour customer rate, comparison with known competitor:<\/p><table class=\"rm-table\"><tbody><tr class=\"rm-table-head\"><td>\u00a0<\/td><td>RM<\/td><td>Competitor<\/td><\/tr><tr><td class=\"rm-table-first\">Customer rate<\/td><td>100<\/td><td>100<\/td><\/tr><tr><td class=\"rm-table-first\">Payroll Fee<\/td><td>-3.50<\/td><td>-3.00<\/td><\/tr><tr><td class=\"rm-table-first\">SNB<\/td><td>-1.80<\/td><td>-1.76<\/td><\/tr><tr><td class=\"rm-table-first\">AHV, ALV<\/td><td>-5.46<\/td><td>-5.54<\/td><\/tr><tr><td class=\"rm-table-first\">KTG<\/td><td>-1.41<\/td><td>-1.38<\/td><\/tr><tr><td class=\"rm-table-first\">Accident<\/td><td>-0.27<\/td><td>-0.34<\/td><\/tr><tr><td class=\"rm-table-first\">Other (FAK etc.)<\/td><td>-1.32<\/td><td>-1.38<\/td><\/tr><tr><td class=\"rm-table-first\">Gross wage<\/td><td>86.25<\/td><td>86.58<\/td><\/tr><tr><td class=\"rm-table-first\">LOB<\/td><td>-1.80<\/td><td>-1.76<\/td><\/tr><tr><td class=\"rm-table-first\">AHV, ALV<\/td><td>-5.46<\/td><td>-5.54<\/td><\/tr><tr><td class=\"rm-table-first\">KTG funds<\/td><td>0 (patronal)<\/td><td>-1.38<\/td><\/tr><tr><td class=\"rm-table-first\">Accident<\/td><td>-0.53<\/td><td>-0.56<\/td><\/tr><tr><td class=\"rm-table-first\">Net<\/td><td>78.46<\/td><td>77.34<\/td><\/tr><\/tbody><\/table><p>Differences in price here are primarily due to the sick pay insurance.<\/p><p>Approaches to sick pay insurance: The competition charges a total of 3.2% of the salary when adding up the contributions of the employee and the employer. Now compare this to our rates of 1.63% for men and 2.322% for women \u2013 which are borne in total by the employer. And what\u2019s more, our sick pay solution is more comprehensive than that of many competitors (see next chapter).<\/p><p>Other cost components that can vary, e.g.,<\/p><p>Family compensation fund (FAK): These vary from canton to canton and, to a lesser extent, from compensation fund to compensation fund. Therefore, the corresponding allowances also vary from canton to canton. In this respect, the RM Group in the canton of Zurich is on the favourable side with 1.12%.<\/p><p>Risk premium and administration fees of BVG insurance: We have agreed on a flat-rate percentage with Profond (irrespective of age). In the basic variant, this amounts to only 0.65% (of the compulsorily insured salary) for both employer and employee, and is thus significantly lower than many other competitors. In order to allow for comparability, we separate the savings portion. Many competitors only show the consolidated retirement percentages for savings, risk, and administration \u2013 and some of them can also show these percentages for the employer and the employee \u2013 and some can only make definitive calculations on signing up. The difference in costs (for the same benefits) can amount to more than 1% of the insured salary. It is therefore important to clarify this before signing a contract.<\/p><p>Cost split by employer and \/ or employee: There are also differences in the distribution \/ spilt of non-wage costs between employer and employee. Patronage contributions (i.e., contributions borne by the employer) generally reduce the AHV \/IV\/EO\/ALV assessment basis and thus the contributions for the employee.<\/p><p>What matters most is what comes out in the end. We will be happy to assist you in making comparisons, if necessary.<\/p><p>For the payrollee (employee), in addition to the salary, the benefits naturally also play a major role and more on this in the next section.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5418\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-5418\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">The (social) insurance benefits are the same amongst all providers - or are they?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5418\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-5418\"><p>Certain benefits such as AHV (old-age and survivors\u2019 insurance) are of course standardized. But with all other benefits, there are sometimes significant differences in the comprehensive solutions:<\/p><p>Pension Fund: It already starts with the savings contribution. We explicitly show the savings contribution separately from the risk and administration fees. While this is comparable in the basic option for full-time employment, the savings contribution differs from the risk and administration fees, and significantly for the more comprehensive solutions.<\/p><p>The interest rate for the total BVG assets is also of great importance: because many of the well-represented insurance companies in the employee leasing sector do not pay more than the minimum interest rate set by the Federal Council. Our provider Profond, on the other hand, is a regular winner of the tagi and fuw pension fund comparison and, with an interest rate of 8% for 2024, is once again in a class of its own.<\/p><p>With a well-stocked pension fund, the difference in interest rates is in the five-digit range. And that\u2019s just for the year 2024! Risk premium and insured benefits: Again, you have to compare the relevant salary and benefits in detail. The benefits are usually shown as a percentage of the insured salary. While many payrolling providers offer no choice, at RM Group, we offer three options. Because just as our employees are not all the same, their needs are just as different.<\/p><p>Sick pay insurance: There are various aspects to be compared:<\/p><p>RM offers 80% or 90% depending on the insurance package.<br \/>Regardless of the waiting period agreed between the employer and the insurance company, the employer can suspend the continued payment of wages during the first days of sickness. According to general case law, a waiting period of up to 3 days is permissible. For companies that, like RM, are subject to the CBA Employee Leasing, this period is reduced to 2 days. This means 1 extra day\u2019s pay in the event of a prolonged sickness \u2013 Money that is often urgently needed for the associated medical bills. In the case of even longer waiting periods (e.g. 30 days), it is essential to clarify how wages will be financed during the waiting period. If worse comes to worst, the accident should not also be accompanied by further insults such as a major loss of wages. In our opinion, such sample calculations are simply untrustworthy.<br \/>Additional services: RM focuses on sought-after specialists and experts in IT, project management, finance and science. For female employees on maternity leave, we do not only pay the obligatory EO daily allowance of a maximum of CHF 196 but also 80% or 90% (depending on the model) of the full salary.<br \/>Accident insurance: The SUVA insurance, which is obligatory for companies in the employee leasing sector, is comparable to them as far as the benefits are concerned. The costs, however, differ considerably.<\/p><p>These questions should be answered carefully:<\/p><p>What percentage of the payroll is insured?<br \/>RM offers 80% or 90% depending on the insurance package.<\/p><p>Is the entire salary insured?<br \/>The standard insurance (e.g., via SUV) usually only covers a salary of up to CHF 148,200 per year. If you earn more, you are in good hands with the RM Group. This is because we cover the entire difference above the threshold of CHF 148,200 p.a. through excess insurance. In principle, the employer is accountable. We fulfill this obligation conscientiously. Unfortunately, we are also aware of examples where the employer does not fulfill this obligation to the detriment of the employee.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5419\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-5419\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How and when is leave paid out?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5419\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-5419\"><p>In our salary calculator, the holiday entitlement is shown as a supplement to the basic salary, just as defined in the Collective Labour Agreement for Employee Leasing.<\/p><p>These are 8.33 % for 4 weeks\u2019 holiday, calculated on the basis of full-time employment. 10.60% for 5 weeks\u2019 vacation calculated on the basis of full-time employment etc.<\/p><p>The law and the CLA (Collective Labour Agreement) define the minimum leave entitlement as follows:<\/p><ul><li>4 weeks\u2019 leave per year of employment as an absolute minimum for all<\/li><li>5 weeks\u2019 leave per year of employment for employees in the CLA from the age of 50 onwards<\/li><li>Additional leave can be arranged, and our wage calculator is flexible enough to allow for up to 8 weeks of leave per year. Anything beyond that, and our calculator will stop working out of sheer envy<\/li><\/ul><p>As stipulated in Swiss labour law, leave is always paid out when taken. If the leave has not been used or has not been used in full, the remaining balance at the end of the employment is paid as additional wages.<\/p><p>A percentage payment of the leave entitlement is only permitted for sporadic, irregular assignments.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-54110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-54110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When are which bank holidays paid out as wages?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-54110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-54110\"><p>In principle, employers in Switzerland are only obliged to pay wages on National Holiday (1 August).<\/p><p>The CLA (Collective Labour Agreement) also regulates the payment of wages for all public holidays treated as Sundays. To simplify the entire procedure, these can be regulated by a flat-rate surcharge of 3.2%. The RM Group prefers simple solutions in the interests of its employees and therefore pays a default flat-rate surcharge of 3.2% on top of the salary. This is always based on the actual working hours. This simplifies the process for all parties involved.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-54111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-54111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When will the wages be paid?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-54111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-54111\"><p>We process the wages for our employees as soon as we receive a time tracking record approved by the customer (hiring company).<\/p><p>We pay the wages on the following 3rd working day at the latest. We are usually much quicker, though.<\/p><p>Not only that, but we also do not charge our employees a fee for the pre-financing of their wages or for the risk of default.<\/p><p>Other procedures often found in the marketplace are neither in line with our philosophy nor our legal opinion.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-54112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-54112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What further training does the RM Group offer?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-54112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-54112\"><p>As an employer, the RM Group is subject to the Collective Labour Agreement (CLA) on Employee Leasing. For our employees, this means that contributions to the parity training fund are made for every employee provision within the CLA guidelines, i.e., up to a basic salary of CHF 62.55 per hour. Accordingly, each RM Group employee subject to the CBA can take advantage of this further education provision.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-54113\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-54113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How are expenses charged?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-54113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-54113\"><p>Flat-rate expenses are explicitly prohibited. For this reason, we charge actual, verifiable expenses to the hiring company. Travel and meals at the place of work are not considered expenses. Anyone who abides by the law simply cannot offer flat-rate expenses. If they do it anyway, they\u2019d be breaking the law, which is why this is out of the question for us.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-54114\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-54114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Why do you handle this as employee leasing and not as a conract?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-54114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-54114\"><p>Wage portage, as propagated by certain providers, implies a service contract between the client (hiring company) and the payrollee (employee). For this to be the case, the payrollee would have to be able to carry out their assignments independently without being integrated into the client\u2019s work organization and would have to be independent of the client\u2019s enterprise. In our experience, this distinction from employee leasing is incompatible with reality. Many assignments are full-time or at least the primary source of income for months at a time, and clients demand integration into the team (whether agile or not) without recognizable differentiation from internal employees. With assignments, in contrast to employee leasing, it is not always possible to charge for all hours worked, and in the case of (assumed) poor performance, there is a risk of not being remunerated at all.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is payrolling in employee leasing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Our goal is to redefine excellence in IT and professional recruitment in Switzerland. We strive to deliver top-tier talent to our clients while offering fulfilling assignments and fostering partnerships based on trust.<span style=\\\"font-style: inherit; font-weight: inherit; font-family: var( --e-global-typography-accent-font-family ), Sans-serif; color: var(--ast-global-color-3);\\\">With our local expertise, advanced technology, and commitment to reliability, we aim to proactively influence change in the Swiss recruitment industry, driving sustainable growth and innovation for all stakeholders.<\\\/span><\\\/p><p><span style=\\\"text-decoration: underline;\\\">In the case of payrolling, the employee is employed by the payrolling agency. The employee has all the rights and obligations of a salaried employee. The payrolling agency is now responsible for the correct registration and payment of social insurance, taxes, pension funds, etc. So that means responsible for all the bureaucracy that nobody else would even want to touch with a barge pole. And the wonderful thing is that there are designated specialists at work, which ultimately pays off in terms of results.<\\\/span><\\\/p><p><span style=\\\"text-decoration: underline;\\\">With a salary of up to 148,200 CHF per year, the GAV (Collective Labour Agreement for Employee Leasing) applies, which has numerous advantages for the employees. For example: subsidized further education, better sick day protection, better retirement provisions, and much more. The payrolling agency enters into an employment contract with the client (legal term: hiring company). Payment is made on a daily or hourly basis. Even if the payment deadlines differ between the client (or the hiring company) and the payrolling agency (or the rental company), the payrolling agency pays the wage or salary on time. Regardless of when the client pays, the money always arrives in the employee\\u2019s account on time. After all, that\\u2019s what matters.<\\\/span><\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"For whom does RM Group offer payrolling?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes, it is true. We are not for everyone.<\\\/p><p>We have specialized in the office professions, and in particular high-potentials such as IT specialists, project managers, scientists, and other bright minds. Most of our employees (also known as \\u201cresources\\u201d in technical jargon) that we lend to other companies earn more than the CLA threshold of CHF 148 200 p.a. This means they need more than a standard payroll. Our insurance offers, processes and all-around services are tailored to this \\u201cwhite collar\\u201d sector. So that the \\u201cresource\\u201d gets as much net from the gross as possible. Our clients (as we learned above, hiring companies) come from the strongest segments of the economy: i.e., banking, the IT or technology sector, insurance, pharmaceuticals, industry and, of course, the public sector. All areas with a bright future.<\\\/p><p>Other recruitment-intensive fields such as construction and ancillary construction trades, gastronomy and tourism, production, cleaning, and facility management are not within our focus. This is simply because the salary structures require different expertise in tax and pension issues. And also because of other risk classifications, less attractive insurance rates are applicable. These sectors are better off with our colleagues.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How does the wage calculator work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Our wage calculator just works. And it does so by taking into account various individual factors that other calculators consider only insufficiently or not at all. You simply enter target values on our website: for the customer rate, the gross salary or the net amount, and the wage calculator spurts out an overview of the corresponding total costs as well as all available insurance options. Elsewhere, you\\u2019d be searching for a long time.<\\\/p><p>The client is charged per hour of working time. This includes the payroll fee for our work and any MSP\\\/VMS services commissioned by the client, as well as the all-in wage costs.<\\\/p><p>Our payrolling fee is usually defined as per hour of service, for certain clients at their request as a % rate of the client rate\\\/all-in wage costs or a so-called multiplier on the gross wage is agreed upon. We are really very flexible and follow our clients\\u2019 wishes. Very much in line with our philosophy \\u201cGoing the Extra Mile\\u201d, which has proved very successful.<\\\/p><p>The all-in wage costs in turn are the sum of the gross wage and the employer\\u2019s contributions. All this is displayed in detail by our wage calculator. No questions will remain unanswered.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How are deployment days calculated?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We do not base our calculations on calendar, gut feeling or some other criterion but strictly according to the guidelines of the Collective Labour Agreement (GAV) on Employee Leasing. And that means:<\\\/p><p>2187 annual hours, at 42 hours per week and 52.07 weeks per year according to Article 20, Paragraph 5 which corresponds to 21.7 days with 8.4 hours each per month.<\\\/p><p>Correct! When using a calculator, both a normal year with 365 days and a leap year with 366 days give different results. But that is exactly why you calculate the whole thing with our wage calculator and not with your pocket calculator.<\\\/p><p>In addition, the RM Group salary calculator has a multiplicative calculation tool for public holidays and holidays. In other words, after entering the number of hours of work per week, the holidays and paid public holidays are offset and deducted, so that the bottom line is the number of hours of work that can be charged.<\\\/p><table class=\\\"rm-table\\\"><tbody><tr><td class=\\\"rm-table-first\\\">Annual leave<\\\/td><td>4 weeks<\\\/td><td>5 weeks<\\\/td><td>6 weeks<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Days<\\\/td><td>19.41<\\\/td><td>19.01<\\\/td><td>18.60<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Vacation<\\\/td><td>1.67<\\\/td><td>2.08<\\\/td><td>2.50<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Public holidays<\\\/td><td>0.62<\\\/td><td>0.61<\\\/td><td>0.60<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Total<\\\/td><td>21.70<\\\/td><td>21.70<\\\/td><td>21.70<\\\/td><\\\/tr><\\\/tbody><\\\/table>\"}},{\"@type\":\"Question\",\"name\":\"Which employment relationships fall under the CLA?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Anyone earning more than CHF 62.55 per hour in basic wages (not including holidays, public holidays or 13th-month wages) is not covered by the CBA (the Collective Labour Agreement for Employee Leasing) and must therefore be invoiced differently. No further training contribution has to be paid for these employees. All in relation to the basic wage.<\\\/p><p>And how does this threshold value come about?<\\\/p><p>Quite simple. The maximum amount of insured earnings in the compulsory accident insurance was increased to CHF 148,200 on 1 January 2016. If you break this figure of annual earnings down to an hourly wage, you\\u2019ll get the following:<\\\/p><p>CHF 148 200 (13 basic wages according to the CLA): 13 x 12=&gt; CHF 136 800 (12 basic wages)<\\\/p><p>CHF 136 800: 2187 hours per year basic wage CHF 62.55 (without public holidays, holidays, and 13th-month wage)<\\\/p><p>If you feel a bit dizzy now, no problem, that\\u2019s what we are here for.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What are the individual lines in the salary calculator?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<table class=\\\"rm-table\\\"><tbody><tr class=\\\"rm-table-head\\\"><td>Contribution<\\\/td><td>Distribution Employer\\\/Employee<\\\/td><td>Benefits<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">BVG risk premium and administrative costs<\\\/td><td>Basis: 50%\\\/50%, with certain comprehensive models 100% (patronal) through Employer<\\\/td><td>Insurance premium for benefits in the case of disability or in the event of death,<br \\\/>see our insurances for details<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">BVG savings bonus<\\\/td><td>\\u00a0<\\\/td><td>These funds go directly into your personal BVG savings premium,<br \\\/>and be paid out at retirement\\\/moving outside EU) or conversion to a recurring retirement pension.<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">OASI (AHV)<\\\/td><td>Always 50%\\\/50%<\\\/td><td>Old-age and survivors\\u2019 insurance-the first pillar of the Swiss pension system<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">IV<\\\/td><td>\\u00a0<\\\/td><td>Disability pension-if you become incapacitated and are unable to work<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">EO-MSE-VSE-BUE<\\\/td><td>\\u00a0<\\\/td><td>Compensation for loss of earnings\\\/maternity\\\/paternity\\\/care of children with severe health impairments<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">OASI (AHV) administrative levies<\\\/td><td>100% Employer<\\\/td><td>Levy for AHV administration<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">FAK family compensation fund<\\\/td><td>100% Employer<\\\/td><td>Family compensation funds \\u2013 these contributions finance child allowances.<br \\\/>Since any child allowances to which you may be entitled depend on various factors,<br \\\/>we have not modelled them. These are CHF 215\\\/268 in the canton of Z\\u00fcrich (exempt from AHV\\\/ N\\\/ED and BVG)<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">ALV (I&amp;II)<\\\/td><td>Always 50% \\\/ 50%<\\\/td><td>Unemployment insurance \\u2013 wages up to CHF 148,200 are insured (ALV I),<br \\\/>a solidarity percentage is paid on wages above this amount (ALV II)<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">UVG occupational accident and supplemental insurance<br \\\/>up to 148\\u2019200<\\\/td><td>100% Employer<\\\/td><td>This guarantees both the continued payment of wages and healthcare services in the event of an accident.<br \\\/>For better comparability, we have based contributions on wages up to 148\\u2019200 and surplus wages up to 315\\u201900.<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">UVG excess wage<\\\/td><td>100% Employer<\\\/td><td>\\u00a0<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">KTG<\\\/td><td>100% Employer<\\\/td><td>This contribution finances the loss of earnings in the event of illness.<br \\\/>No salary is paid for the first two days, from the third day onwards,<br \\\/>the insurance pays 80%; 90% for Grade 9) of the average salary received.<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Cantonal vocational training contribution<\\\/td><td>100% Employer<\\\/td><td>\\u201cThe vocational training fund of the Canton of Zurich is dedicated to maintain and increase the willingness of companies to train apprentices.<br \\\/>It further develops basic vocational education and strengthens its position in the education system.\\u201d<br \\\/>As RM Group, we either pay contributions to the canton or use them to train apprentices ourselves.<br \\\/>Source:<a href=\\\"https:\\\/\\\/www.zh.ch\\\/de\\\/bildungsdirektion\\\/mittelschul-berufsbildungsamt\\\/berufsbildungsfonds.html\\\">Berufsbildungsfonds | Kanton Z\\u00fcrich (zh.ch)<\\\/a><\\\/td><\\\/tr><\\\/tbody><\\\/table>\"}},{\"@type\":\"Question\",\"name\":\"What are the costs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Transparency is our top priority. That is why we explicitly show our payrolling fee. As a rule, we charge according to the hours worked, regardless of salary or workload. At the same time, we differentiate between our standard offers with the obligatory insurance benefits and our bespoke insurance offers. These offers naturally involve a higher outlay which carries a greater risk for us. For both the payrollee (i.e. the employee) and the hiring company, the non-wage costs are at least as important as the payrolling fee. Of course, some approaches such as AHV\\\/IV\\\/EO\\\/ALV are the same for all employees in Switzerland. But many approaches differ considerably from each other. They depend on the provider, the risk profile of the resources hired out, the negotiating skills of the hiring company, etc.<\\\/p><p>We have compared the corresponding sample calculations in Q1 2022 and found glaring differences:<\\\/p><p>Sample calculation: Male, 40 years, CHF 100 per hour customer rate, comparison with known competitor:<\\\/p><table class=\\\"rm-table\\\"><tbody><tr class=\\\"rm-table-head\\\"><td>\\u00a0<\\\/td><td>RM<\\\/td><td>Competitor<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Customer rate<\\\/td><td>100<\\\/td><td>100<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Payroll Fee<\\\/td><td>-3.50<\\\/td><td>-3.00<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">SNB<\\\/td><td>-1.80<\\\/td><td>-1.76<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">AHV, ALV<\\\/td><td>-5.46<\\\/td><td>-5.54<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">KTG<\\\/td><td>-1.41<\\\/td><td>-1.38<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Accident<\\\/td><td>-0.27<\\\/td><td>-0.34<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Other (FAK etc.)<\\\/td><td>-1.32<\\\/td><td>-1.38<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Gross wage<\\\/td><td>86.25<\\\/td><td>86.58<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">LOB<\\\/td><td>-1.80<\\\/td><td>-1.76<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">AHV, ALV<\\\/td><td>-5.46<\\\/td><td>-5.54<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">KTG funds<\\\/td><td>0 (patronal)<\\\/td><td>-1.38<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Accident<\\\/td><td>-0.53<\\\/td><td>-0.56<\\\/td><\\\/tr><tr><td class=\\\"rm-table-first\\\">Net<\\\/td><td>78.46<\\\/td><td>77.34<\\\/td><\\\/tr><\\\/tbody><\\\/table><p>Differences in price here are primarily due to the sick pay insurance.<\\\/p><p>Approaches to sick pay insurance: The competition charges a total of 3.2% of the salary when adding up the contributions of the employee and the employer. Now compare this to our rates of 1.63% for men and 2.322% for women \\u2013 which are borne in total by the employer. And what\\u2019s more, our sick pay solution is more comprehensive than that of many competitors (see next chapter).<\\\/p><p>Other cost components that can vary, e.g.,<\\\/p><p>Family compensation fund (FAK): These vary from canton to canton and, to a lesser extent, from compensation fund to compensation fund. Therefore, the corresponding allowances also vary from canton to canton. In this respect, the RM Group in the canton of Zurich is on the favourable side with 1.12%.<\\\/p><p>Risk premium and administration fees of BVG insurance: We have agreed on a flat-rate percentage with Profond (irrespective of age). In the basic variant, this amounts to only 0.65% (of the compulsorily insured salary) for both employer and employee, and is thus significantly lower than many other competitors. In order to allow for comparability, we separate the savings portion. Many competitors only show the consolidated retirement percentages for savings, risk, and administration \\u2013 and some of them can also show these percentages for the employer and the employee \\u2013 and some can only make definitive calculations on signing up. The difference in costs (for the same benefits) can amount to more than 1% of the insured salary. It is therefore important to clarify this before signing a contract.<\\\/p><p>Cost split by employer and \\\/ or employee: There are also differences in the distribution \\\/ spilt of non-wage costs between employer and employee. Patronage contributions (i.e., contributions borne by the employer) generally reduce the AHV \\\/IV\\\/EO\\\/ALV assessment basis and thus the contributions for the employee.<\\\/p><p>What matters most is what comes out in the end. We will be happy to assist you in making comparisons, if necessary.<\\\/p><p>For the payrollee (employee), in addition to the salary, the benefits naturally also play a major role and more on this in the next section.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"The (social) insurance benefits are the same amongst all providers - or are they?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Certain benefits such as AHV (old-age and survivors\\u2019 insurance) are of course standardized. But with all other benefits, there are sometimes significant differences in the comprehensive solutions:<\\\/p><p>Pension Fund: It already starts with the savings contribution. We explicitly show the savings contribution separately from the risk and administration fees. While this is comparable in the basic option for full-time employment, the savings contribution differs from the risk and administration fees, and significantly for the more comprehensive solutions.<\\\/p><p>The interest rate for the total BVG assets is also of great importance: because many of the well-represented insurance companies in the employee leasing sector do not pay more than the minimum interest rate set by the Federal Council. Our provider Profond, on the other hand, is a regular winner of the tagi and fuw pension fund comparison and, with an interest rate of 8% for 2024, is once again in a class of its own.<\\\/p><p>With a well-stocked pension fund, the difference in interest rates is in the five-digit range. And that\\u2019s just for the year 2024! Risk premium and insured benefits: Again, you have to compare the relevant salary and benefits in detail. The benefits are usually shown as a percentage of the insured salary. While many payrolling providers offer no choice, at RM Group, we offer three options. Because just as our employees are not all the same, their needs are just as different.<\\\/p><p>Sick pay insurance: There are various aspects to be compared:<\\\/p><p>RM offers 80% or 90% depending on the insurance package.<br \\\/>Regardless of the waiting period agreed between the employer and the insurance company, the employer can suspend the continued payment of wages during the first days of sickness. According to general case law, a waiting period of up to 3 days is permissible. For companies that, like RM, are subject to the CBA Employee Leasing, this period is reduced to 2 days. This means 1 extra day\\u2019s pay in the event of a prolonged sickness \\u2013 Money that is often urgently needed for the associated medical bills. In the case of even longer waiting periods (e.g. 30 days), it is essential to clarify how wages will be financed during the waiting period. If worse comes to worst, the accident should not also be accompanied by further insults such as a major loss of wages. In our opinion, such sample calculations are simply untrustworthy.<br \\\/>Additional services: RM focuses on sought-after specialists and experts in IT, project management, finance and science. For female employees on maternity leave, we do not only pay the obligatory EO daily allowance of a maximum of CHF 196 but also 80% or 90% (depending on the model) of the full salary.<br \\\/>Accident insurance: The SUVA insurance, which is obligatory for companies in the employee leasing sector, is comparable to them as far as the benefits are concerned. The costs, however, differ considerably.<\\\/p><p>These questions should be answered carefully:<\\\/p><p>What percentage of the payroll is insured?<br \\\/>RM offers 80% or 90% depending on the insurance package.<\\\/p><p>Is the entire salary insured?<br \\\/>The standard insurance (e.g., via SUV) usually only covers a salary of up to CHF 148,200 per year. If you earn more, you are in good hands with the RM Group. This is because we cover the entire difference above the threshold of CHF 148,200 p.a. through excess insurance. In principle, the employer is accountable. We fulfill this obligation conscientiously. Unfortunately, we are also aware of examples where the employer does not fulfill this obligation to the detriment of the employee.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How and when is leave paid out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In our salary calculator, the holiday entitlement is shown as a supplement to the basic salary, just as defined in the Collective Labour Agreement for Employee Leasing.<\\\/p><p>These are 8.33 % for 4 weeks\\u2019 holiday, calculated on the basis of full-time employment. 10.60% for 5 weeks\\u2019 vacation calculated on the basis of full-time employment etc.<\\\/p><p>The law and the CLA (Collective Labour Agreement) define the minimum leave entitlement as follows:<\\\/p><ul><li>4 weeks\\u2019 leave per year of employment as an absolute minimum for all<\\\/li><li>5 weeks\\u2019 leave per year of employment for employees in the CLA from the age of 50 onwards<\\\/li><li>Additional leave can be arranged, and our wage calculator is flexible enough to allow for up to 8 weeks of leave per year. Anything beyond that, and our calculator will stop working out of sheer envy<\\\/li><\\\/ul><p>As stipulated in Swiss labour law, leave is always paid out when taken. If the leave has not been used or has not been used in full, the remaining balance at the end of the employment is paid as additional wages.<\\\/p><p>A percentage payment of the leave entitlement is only permitted for sporadic, irregular assignments.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"When are which bank holidays paid out as wages?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>In principle, employers in Switzerland are only obliged to pay wages on National Holiday (1 August).<\\\/p><p>The CLA (Collective Labour Agreement) also regulates the payment of wages for all public holidays treated as Sundays. To simplify the entire procedure, these can be regulated by a flat-rate surcharge of 3.2%. The RM Group prefers simple solutions in the interests of its employees and therefore pays a default flat-rate surcharge of 3.2% on top of the salary. This is always based on the actual working hours. This simplifies the process for all parties involved.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"When will the wages be paid?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We process the wages for our employees as soon as we receive a time tracking record approved by the customer (hiring company).<\\\/p><p>We pay the wages on the following 3rd working day at the latest. We are usually much quicker, though.<\\\/p><p>Not only that, but we also do not charge our employees a fee for the pre-financing of their wages or for the risk of default.<\\\/p><p>Other procedures often found in the marketplace are neither in line with our philosophy nor our legal opinion.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What further training does the RM Group offer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>As an employer, the RM Group is subject to the Collective Labour Agreement (CLA) on Employee Leasing. For our employees, this means that contributions to the parity training fund are made for every employee provision within the CLA guidelines, i.e., up to a basic salary of CHF 62.55 per hour. Accordingly, each RM Group employee subject to the CBA can take advantage of this further education provision.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How are expenses charged?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Flat-rate expenses are explicitly prohibited. For this reason, we charge actual, verifiable expenses to the hiring company. Travel and meals at the place of work are not considered expenses. Anyone who abides by the law simply cannot offer flat-rate expenses. If they do it anyway, they\\u2019d be breaking the law, which is why this is out of the question for us.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Why do you handle this as employee leasing and not as a conract?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Wage portage, as propagated by certain providers, implies a service contract between the client (hiring company) and the payrollee (employee). For this to be the case, the payrollee would have to be able to carry out their assignments independently without being integrated into the client\\u2019s work organization and would have to be independent of the client\\u2019s enterprise. In our experience, this distinction from employee leasing is incompatible with reality. Many assignments are full-time or at least the primary source of income for months at a time, and clients demand integration into the team (whether agile or not) without recognizable differentiation from internal employees. With assignments, in contrast to employee leasing, it is not always possible to charge for all hours worked, and in the case of (assumed) poor performance, there is a risk of not being remunerated at all.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-undefined-5c66fe8 e-con-full e-flex e-con e-child\" data-id=\"undefined-5c66fe8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-undefined-02f1e36 e-con-full e-flex e-con e-child\" data-id=\"undefined-02f1e36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-8d44d54 elementor-widget elementor-widget-heading\" data-id=\"undefined-8d44d54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Have Other Questions?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-46646d9 elementor-widget elementor-widget-text-editor\" data-id=\"undefined-46646d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have further inquiries beyond our FAQ, please reach out for personalised assistance. Our team is eager to help you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-7949c76 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"undefined-7949c76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get in Touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Payroll for experts Do you want to do your job and not worry about the payroll?Use our payroll-service from experts for experts. Salary Calculator You can do your job &#8211; we&#8217;ll do ours We started our company in 1998 and soon discovered that managing payroll and accounting was often very time-consuming for contractors and companies. 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