If you leave your employer and are at least 58 years old when you do so, you can take retirement with comPlan. If you are still working or looking for a job, you can transfer your pension fund savings to your new pension fund. Under certain conditions, you can also remain voluntarily insured with comPlan.
Summary
If you leave your employer and are at least 58 years old when you do so, you can take retirement with comPlan. If you are still working or looking for a job, you can transfer your pension fund savings to your new pension fund. Under certain conditions, you can also remain voluntarily insured with comPlan.
Can I take retirement with comPlan?
Yes. If you are aged at least 58 when you leave the company, you can take retirement with comPlan. This means that from that date you will receive a retirement pension (plus a retirement children’s pension, if applicable). If you take early retirement, you will be entitled to an AHV bridging pension. Instead of the retirement pension, you can also apply for a full or partial lump-sum payment. You will receive these retirement benefits regardless of whether you give up your gainful occupation altogether or whether you continue working outside the Swisscom Group.
Note 1
You can calculate the amount of expected retirement benefits at any time for any given point of retirement at comPlan Onli
Can I transfer my pension fund savings to my new employer’s pension fund?
Yes. If you enter into a new employment contract, you can also request a transfer to your new employer’s pension fund instead of retirement. In this case, you will be retired at a later date on the terms of your new pension fund when you definitively cease gainful employment. Please note that you will not be entitled to comPlan’s AHV bridging pension if you choose this option.
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If, on the other hand, you decide to take retirement with comPlan, you will still save with your new pension fund. You will start with savings of CHF 0, as no credit will be transferred from comPlan. If you give up your gainful occupation altogether at a later date, you will receive additional retirement benefits from your new pension fund under their conditions.
Note 2
Compare comPlan’s retirement benefits with the retirement benefits of your new pension fund. Check which option is better for you: retirement with comPlan or transferring your savings to the new pension fund.
Can I transfer my pension fund savings to a vested benefits account?
If you are looking for a job and are registered with the regional employment centre (RAV), you can request a transfer to a vested benefits foundation (to a vested benefits account or a vested benefits policy) instead of retirement. Once you have another job and have joined a new pension fund, you can transfer your savings from the vested benefits foundation to the new pension fund. Please note that you will not be entitled to comPlan’s AHV bridging pension if you choose this option.
Note 3
Be aware that you will receive a lump-sum payment from the vested benefits foundation and not a retirement pension. Check which option is better for you: retirement with comPlan or transferring your savings to the vested benefits foundation.
Can I remain voluntarily insured with comPlan?
Under certain circumstances, you can remain voluntarily insured with comPlan and request your retirement benefits at a later date. In addition, the benefits provided by comPlan in the event of disability or death remain insured.
More on voluntary insurance (freiwillige Weiterversichrung)
Leave 58+ checklist
The most important tips for your Leave 58+
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Use comPlan Online to calculate your expected retirement benefits.
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If you remain in employment, compare comPlan’s retirement benefits with the conditions of your new pension fund.
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Check whether you meet the conditions for voluntary continued insurance (www. pk-complan.ch/continued-insurance) and compare the benefits in the case of immediate retirement with the conditions for voluntary continued insurance using comPlan Online.