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Benefits

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.