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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:
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.
If you die in gainful employment, your 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 exceeds 90% of the most recent annual salary. Any ongoing bridging pensions shall be forfeited in the event of death.
Your life partner will receive a life-long survivor’s pension if one of the following criteria is met:
The following criteria must also be met:
Your spouse or civil partner is entitled to a lump sum payable on death if he/she meets the criteria for a spouse’s pension. This capital amounts to 100% of the last insured salary plus the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan. The lump sum payable on death covers the additional financial costs incurred immediately after your death.
If your spouse or civil partner does not meet the criteria for the spouse’s pension then he/she will receive a single settlement payment equivalent to three years of pension payments. If you support your partner to a significant degree then you may grant them an additional lump sum payable on death in addition to this settlement. This amounts to 100% of the last insured salary plus the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan. In order to do this you must submit the corresponding beneficiary declaration.
If you are living in a common law partnership then you may grant your partner a lump sum payable on death in addition to your pension. This lump sum payable on death amounts to 100% of the last insured salary plus the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan. The lump sum payable on death covers the additional financial costs incurred immediately after your death.
Your partner is only entitled to the lump sum payable on death if he/she also meets the criteria for the partner's pension, and you have named him/her as the beneficiary for both the pension and the lump sum payable on death in the support agreement.
If you support anyone to a significant degree then you may grant those people a lump sum payable on death. In order to do this you must complete the corresponding beneficiary declaration and the significant support must be demonstrable in the event of death.
In the absence of a partner as beneficiary or people who you support to a significant degree the lump sum payable on death will be divided equally among all of your children, your parents if there are no children or your siblings if there are no parents. If you do not wish your children, parents or siblings to benefit from the lump sum payable on death in the designated order or in equal part you may change the order of beneficiaries using a form.
The lump sum payable on death for children eligible for an orphan's pension (please also refer to the section on orphan’s pensions) amounts to 100% of the last insured salary plus the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan. If none of the children are entitled to an orphan's pension or the lump sum payable on death goes to your parents or siblings, the additional savings contributions for savings options Plus and Extra, buy-ins and buy-outs for early retirement with comPlan minus divorce and advance withdrawals with comPlan are dispensed.
Pensioners’ survivors do not receive any lump sum payable on death.
In the event of your death your children receive an orphan’s pension amounting to 10% of the insured salary or 20% of your old-age or disability pension provided they meet at least one of the following criteria:
Complete orphans receive double the amount.
Every year we assess whether ongoing old-age, survivors’ or disability pensions should be adjusted for inflation. Whether or not such an adjustment is made depends on comPlan's financial possibilities. Pension increases can however only be carried out if the value fluctuation reserves have met their target. The findings of the inflation adjustment assessment carried out by the Board of Trustees are published in the financial report each year. Since our pensions generally exceed the statutory minimum by a significant amount, the statutory adjustments to the BVG survivors’ and disability pensions by the Federal Council are of little relevance to comPlan.
Payment dates for spouse's pensions, orphan's pension and partner's pensions in 2021
