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Voluntary insurance
What options do I have for remaining insured with comPlan after leaving Swisscom? How do the two options for voluntary insurance "58+" and "56+" differ? What are the costs for me? What do I need to do? Here are the most important points to bear in mind.
If your employment relationship has been terminated by Swisscom or if you leave the Social Plan, you can remain insured with comPlan on a voluntary basis, provided that you are at least 58 years old upon leaving the company (voluntary insurance 58+). As a result, you will not receive your retirement benefits (retirement pension/lump sum, retirement children’s pension, if applicable, AHV bridging pension) until a later date. In addition, the benefits provided by comPlan in the event of disability or death remain insured to the previous extent.
You can choose between the following options:
|
Insured salary risk |
Insured salary age |
|---|---|---|
Standard |
100 % of the previously insured salary |
100 % of the previously insured salary |
Variant 1 |
100 % of the previously insured salary |
50 % of the previously insured salary |
Variant 2 |
100 % of the previously insured salary |
0 % of the previously insured salary |
Variant 3 |
50 % of the previously insured salary |
50 % of the previously insured salary |
Variant 4 |
50 % of the previously insured salary |
0 % of the previously insured salary |
The "insured salary risk" shall apply to contributions and benefits in the event of disability or death. The "insured salary age" determines the savings contributions and thus influences the amount of the retirement pension or lump-sum retirement payment that you will later receive.
All savings and risk contributions will be charged to you by comPlan on a monthly basis.
You can calculate the amount of the contributions and benefits according to the different variants at comPlan Online.
You can choose another variant from 1 January. However, variants with a higher insured salary for risk and/or age can no longer be selected.
You will receive retirement benefits from comPlan upon reaching the age of 65 at the latest under the conditions then in force. You can also terminate the voluntary insurance at any time. If you terminate the insurance policy prematurely, you will receive retirement benefits from comPlan (retirement pension/lump sum, retirement children’s pension, if applicable, AHV bridging pension). If the insurance policy has lasted more than two years, you must receive the retirement benefits in the form of a pension. A lump-sum payment is no longer possible.
If you are still working or looking for a job, you can transfer your pension fund savings to your new pension fund.
comPlan will contact you in writing approximately 5 months before you leave. We will send you a questionnaire by mail, which you can use to tell us, among other things, that you would like to remain voluntarily insured.
You can remain insured with comPlan on a voluntary basis (voluntary insurance 56+), provided that you are at least 56 years old but no older than 60 upon leaving the company, and that you are no longer subject to compulsory occupational pension coverage (BVG). You can thus remain insured on a voluntary basis if, for example, you take a break, travel for an extended period or are self-employed (sole proprietorship or general partnership). If you are insured with your new employer’s pension fund or receive daily unemployment insurance benefits, voluntary insurance 56+ is not possible.
Your previously insured salary remains insured. This means that benefits in the case of retirement, disability or death remain unchanged.
All employee and employer contributions will be charged to you by comPlan on a monthly basis.
You can see the amount of contributions and benefits on your statement of insurance at comPlan Online.
Voluntary insurance 56+ ends after two years, but at the latest on your 60th birthday. You can also terminate the voluntary insurance at any time. From the end of voluntary insurance 56+, you will receive retirement benefits from comPlan (retirement pension/lump sum, retirement children’s pension, if applicable), but you will not be entitled to an AHV bridging pension financed by Swisscom. If you are still working or looking for a job, you can transfer your pension fund savings to your new pension fund.
comPlan will contact you in writing approximately 5 months before you leave. We will send you a questionnaire by mail, which you can use to tell us, among other things, that you would like to remain voluntarily insured.
You can deduct the contributions you pay for the voluntary insurance 58+ or 56+ from your taxable income. comPlan will send you a tax certificate every year.
If you fulfil the conditions described above, you can take advantage of voluntary insurance 56+. Voluntary insurance 58+ is not open to you, as participation in the Part-time Retirement Model 2020 was voluntary.
