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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




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.