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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

With comPlan, men and women can retire between the ages of 58 and 65. The capital you have saved is generally paid out in the form of a life-long annuity. The amount of your pension is calculated on the basis of the amount you have saved and the conversion rate valid for your age at the time you retire.

Conversion rates

Age From 01/09/2020 From 01/01/2023 From 01/01/2024 From 01/05/2024
65 5,34% 5,32% 5,08% 5,00%
64 5,16% 5,14% 4,90% 4,82%
63 4,99% 4,97% 4,73% 4,65%
62 4,83% 4,81% 4,57% 4,49%
61 4,68% 4,66% 4,42% 4,34%
60 4,54% 4,52% 4,28% 4,20%
59 4,41% 4,39% 4,15% 4,07%
58 4,29% 4,27% 4,03% 3,95%

Percentage rate at which pension capital is converted into annuities. The rates depend on the member’s age at retirement. Only full years of life and the starts of the calendar years are shown. The conversion rates are calculated for each month, however.

The conversion rate is calculated exactly to the month. You can view your pension capital and the projected amount of your pension at comPlan Online.


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.