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Benefits

Who receives what benefits?

What benefits does comPlan provide? What do insured members receive in the event of departure, retirement, disability or death? A brief and simple explanation of all of comPlan’s benefits.

Upon departure

Vested benefits rights adjustment

Transfer to new pension fund

Transfer to vested benefits foundation

Payout in the event of self-employment

Payout in the event of emigration

Payout of small amounts

In the event of retirement

Retirement pension

Retirement-linked children’s pension

Capital withdrawal

When you retire you can have some or all of your pension capital paid out in cash. If you choose to have all of your pension capital paid out in cash you will no longer have any entitlement to any further benefits from us from the time you retire. This means that any retirement-linked children’s pensions or survivors’ pensions in the event of death are forfeited. If you only withdraw a partial amount, your capital and the pension benefits calculated on the basis thereof will be reduced accordingly. The capital withdrawal will be taxed separately from your income using a reduced capital tax rate.

In order to process a capital withdrawal we require a written application at least one month prior to your retirement. If you are married or living in a registered partnership then your partner must co-sign the application with certification from a notary. Changes to the submitted application may be made up to one month prior to your retirement and must also be co-signed by your partner (with certification from a notary).

Purchases made in the three years prior to the withdrawal may not be taken out as a lump sum for three years (three-year vesting period). We will still pay the remaining departure benefit (less purchases made in the last three years plus interest), but purchases made in the last three years must be retroactively taxed as income.

Early retirement

Partial retirement

Adjusting for inflation

Pension payments

In the event of disability

Disability pension

Disability-linked children's pension

Disability old-age pension

Withdrawing disability pension capital

IV advance payment

Adjusting for inflation

Pension payments

Bereavement

Spouse’s pension

Partner’s pension

Lump sum payable on death for married persons

Lump sum payable on death for unmarried persons

Orphan’s pension

Adjusting for inflation

Pension payments

All details accurate as of December 2018. Subject to change. The provisions of the pension regulations apply in any case.