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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

Early retirement

Partial retirement

Adjusting for inflation

Pension payments

In the event of disability

Disability pension

If you become disabled as the result of an illness or accident, you will receive an annual disability pension amounting to 50% of your insured salary upon becoming disabled in addition to the pension paid out in accordance with the Swiss Federal Disability Insurance Act (IV). This requires you to have been insured with comPlan at the time you became incapable of working, which resulted in your disability. You are entitled to the entire disability pension if your degree of disability is 70% or more. If your degree of disability is between 25% and 69%, your disability pension will be paid out based on the degree of disability in accordance with IV. Your disability pension can also be reduced if the total of all pensions in the event of disability combined with other qualifying sources of income (e.g. IV and UVG pensions) exceeds 90% of the most recent annual salary before becoming disabled.

We require a legally valid IV assessment in order to assess your entitlement to a disability pension and determine its amount. Your disability pension starts when you qualify for the IV pension, but no earlier than when you lose your entitlement to your salary or accident/daily nursing benefits. This is generally the case for Swisscom employees after 24 months of illness. Your disability pension will be paid out until you reach the age of 65 at the latest. You will then qualify for a disability old-age 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.