What you need to know about the options for voluntary insurance with comPlan.

After leaving Swisscom, can I continue to be insured with comPlan?

You can remain insured with comPlan in the voluntary insurance 58+ if all the following conditions are fulfilled:

As a result of the choice of this voluntary insurance 58+, you will not receive your retirement benefits (retirement pension/lump sum, retirement children’s pension, if applicable, AHV bridging pension) until a later date. In addition, the benefits provided by comPlan in the event of disability or death remain insured.

How does this variant of voluntary insurance 58+ work?

You can choose between the following options:

The "insured salary risk" shall apply to contributions and benefits in the event of disability or death. The "insured salary age" determines the savings contributions and thus influences the amount of the retirement pension or lump-sum retirement payment that you will later receive. 

All savings and risk contributions will be charged to you by comPlan on a monthly basis.

You can choose another variant from 1 January. However, variants with a higher insured salary for risk and/or age can no longer be selected.

When does the voluntary insurance 58+ end?

You will receive retirement benefits from comPlan upon reaching the age of 65 at the latest under the conditions then in force. You can also terminate the voluntary insurance at any time. If you terminate the insurance policy prematurely, you will receive retirement benefits from comPlan (retirement pension/lump sum, retirement children’s pension, if applicable, AHV bridging pension). If the insurance policy has lasted more than two years, you must receive the retirement benefits in the form of a pension. A lump-sum payment is no longer possible.

If you are still working or looking for a job, you can transfer your pension fund savings to your new pension fund.

How should I proceed to apply for voluntary insurance 58+?

comPlan will contact you in writing approximately 5 months before you leave. We will send you a questionnaire by mail, which you can use to tell us, among other things, that you would like to remain voluntarily insured.

Can I continue to be insured if I have terminated the employment relationship myself?

You can remain insured with comPlan in the voluntary insurance 56+ if all the following conditions are fulfilled:

You can thus remain insured on a voluntary basis if, for example, you take a break, travel for an extended period or are self-employed (sole proprietorship or general partnership). If you are insured with your new employer’s pension fund or receive daily unemployment insurance benefits, voluntary insurance 56+ is not possible.

How does this version of voluntary insurance 56+ work?

Your previously insured salary remains insured. This means that benefits in the case of retirement, disability or death remain unchanged.

 All employee and employer contributions will be charged to you by comPlan on a monthly basis.

When does voluntary insurance 56+ end?

Voluntary insurance 56+ ends after two years, but at the latest on your 60th birthday. You can also terminate the voluntary insurance at any time. From the end of voluntary insurance 56+, you will receive retirement benefits from comPlan (retirement pension/lump sum, retirement children’s pension, if applicable), but you will not be entitled to an AHV bridging pension financed by Swisscom. If you are still working or looking for a job, you can transfer your pension fund savings to your new pension fund.

  How should I proceed to apply for voluntary insurance 56+?

comPlan will contact you in writing approximately 5 months before you leave. We will send you a questionnaire by mail, which you can use to tell us, among other things, that you would like to remain voluntarily insured.

I have opted for voluntary insurance. Does this give me a tax advantage?

You can deduct the contributions you pay for the voluntary insurance 58+ or 56+ from your taxable income. comPlan will send you a tax certificate every year.