You are insured with us starting from an annual salary of CHF 3,000, provided you are at least 18 and at most 65 years old in the current calendar year and have an employment contract for an unlimited period or a fixed-term employment contract for more than three months.
Your base salary and the performance-related component with a 100% degree of target achievement are insured. All other salary components such as bonuses, seniority bonuses, allowances, fringe benefits, etc. are not included in the insured salary. Important: We do not deduct a coordination deduction from the annual salary. This means: Your entire salary is insured with us. If you are employed by Worklink in a model with a fluctuating salary (category F, follow-up solution or hourly salary) we will calculate disability or death benefits based on your average salary over the last 12 months. You can find your insured salary on your pension statement on comPlan Online.
You are insured with us as of the day on which your employment starts with your affiliated employer or on which you are entitled to a salary for the first time.
End of membership
Your retirement savings insurance ends on the last working day with your affiliated employer. If you do not join another pension fund immediately afterwards, you will remain insured with us for the risks of death and disability for one month after the termination of your pension relationship. Thereafter, all insurance benefits expire.
You can take out voluntary insurance with us after termination of your employment relationship if you are at least 56 years old and meet various other conditions. You can find more information on the possibilities of voluntary insurance under the heading "Life circumstances" on this website.
comPlan offers three savings options for retirement provision: Standard, Plus and Extra. All options go well beyond the minimum required by law. If you don’t choose an option, you automatically save in the Standard option. Switching to the Plus and Extra savings options increases your savings contributions - but also your salary deductions. This will reduce your paid salary. At the same time, your retirement savings continuously grow and the tax burden is usually reduced. The employer's savings contributions are the same for all three savings options.