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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

If you go self-employed as a sole trader or partnership after leaving you are no longer subject to mandatory statutory company pension provision. In this case we will transfer your pension capital to a vested benefits foundation policy.

You also have the option of having your credit paid out in cash. If you are married or living in a civil partnership then your spouse or partner must co-sign the application with certification from a notary. The cash payment must be taxed as a capital gain.

Purchases made in the three years prior to the cash payment may not be taken out as a lump sum (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.

For the cash payment of your pension capital you must submit the final decision of the AHV compensation fund as proof that you are principally self-employed as well as an extract from the commercial register in addition to your application.

You can view the current status of your pension capital in your pension summary at comPlan Online. Your capital will be transferred within 30 days of your departure/receiving all necessary documents.

If you establish a stock corporation or limited liability company, you are still subject to mandatory, statutory company pension provision and your credit cannot be paid out in cash.


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




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.