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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

If you die in gainful employment, your spouse or civil partner will receive a life-long pension amounting to 35% of your insured salary. For recipients of old-age or disability pensions the amount is 60% of the ongoing pension. This pension may be reduced in the event of death before the age of 65, however, if the total of all survivors’ pensions and other qualifying sources of income (e.g. AHV and UVG pensions) exceeds 90% of the most recent annual salary. Any ongoing bridging pensions shall be forfeited in the event of death.

Your spouse or civil partner will receive a life-long spouse’s pension provided at least one of the following criteria is met:

  • He/she supports one or more children
  • He/she is at least 40 years old, and was married to you for at least five years
  • He/she is at least 40 years old, and lived with you in the same household (with the same official place of residence) for five uninterrupted years and you have submitted the support agreement to us

If he/she does not meet any of these criteria, a single settlement amounting to three years of pension payments shall be paid out. In the event of remarriage the entitlement to a spouse’s pension is forfeited.

 

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.