No pension fund money for founders of a of a LLC or PLC
Anyone who wants to start a business can apply to the pension fund for an early payout of the money from the pension plan. Whether this payout is possible depends, among other things, on the legal form of the company.
Founders of a PLC or LLC cannot receive the pension fund money for founding a company, as they are considered employees due to their position in their own company and transfer their retirement assets to the next pension fund. Consequently, a founder of a PLC or LLC is not considered self-employed in the sense of old-age and survivors’ insurance (AHV) law. In order for the pension fund to pay out the money, it must be credibly demonstrated that you are actually self-employed within the meaning of AHV law, which is only the case with a sole proprietorship or a general partnership.
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