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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

 

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

If you are living in a common law partnership then you may grant your partner a lump sum payable on death in addition to your pension. This lump sum payable on death amounts to 100% of the last insured salary plus the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan. The lump sum payable on death covers the additional financial costs incurred immediately after your death.

Your partner is only entitled to the lump sum payable on death if he/she also meets the criteria for the partner's pension, and you have named him/her as the beneficiary for both the pension and the lump sum payable on death in the support agreement.

If you support anyone to a significant degree then you may grant those people a lump sum payable on death. In order to do this you must complete the corresponding beneficiary declaration and the significant support must be demonstrable in the event of death.

In the absence of a partner as beneficiary or people who you support to a significant degree the lump sum payable on death will be divided equally among all of your children, your parents if there are no children or your siblings if there are no parents. If you do not wish your children, parents or siblings to benefit from the lump sum payable on death in the designated order or in equal part you may change the order of beneficiaries using a form.

The lump sum payable on death for children eligible for an orphan's pension (please also refer to the section on orphan’s pensions) amounts to 100% of the last insured salary plus the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan. If none of the children are entitled to an orphan's pension or the lump sum payable on death goes to your parents or siblings, the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan are dispensed.

Pensioners’ survivors do not receive any lump sum payable on death.

 

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.