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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

 

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.