The pension regulations will be modernised and improved as of 1 January 2026. Find out about the most important changes. comPlan’s Board of Trustees has approved changes to the pension regulations, which will enter into force on 1 January 2026. Benefits will be improved, taking into account new lifestyles.
The pension regulations will be modernised and improved as of 1 January 2026. Find out about the most important changes. comPlan’s Board of Trustees has approved changes to the pension regulations, which will enter into force on 1 January 2026. Benefits will be improved, taking into account new lifestyles.
comPlan’s Board of Trustees is constantly working on adapting the pension plan to current market conditions and developing the best possible solutions for the insured. They have therefore decided to make adjustments to the regulations for 2026. Here are the most important changes:
Changing to a different savings option (Standard, Plus or Extra)
With the Plus and Extra savings options, you can make additional savings contributions, thereby saving taxes and improving your retirement provision at the same time. Previously, you could only change to a different savings option when joining comPlan and at the start of each calendar year. Now, starting on 1 January 2026, you will be able to change your savings plan every month. The change will take effect on the first day of the month following the notification. You will be able to change your savings option via comPlan Online.
Purchasing into the pension fund
By making a purchase, you can improve your retirement benefits while also saving on income tax. Until now, you could only make purchases with comPlan up to 15 December (value date) of each calendar year at the latest. From 1 January 2026, you will be able to make purchases until 31 December (value date) and have them still be taken into account for the current tax period. You will be able to make purchases via comPlan Online.
Written consent of spouses
comPlan requires the written consent of spouses when paying out the old-age pension in the form of a lump-sum, when financing residential property or when issuing cash payment of a vested termination benefit. Previously, the spouse’s signature on the application had to be officially certified. As an alternative to official certification by a notary or local authority, from 1 January 2026, you will be able to go to comPlan with your spouse in person to confirm their signature.
Lump-sum payment
When you retire, you can withdraw all or part of your old-age pension as a lump sum. Previously, you had to notify comPlan in writing of your desired lump-sum withdrawal ratio at least one month before retirement. This one-month period will no longer apply from 1 January 2026. However, you will still be required to inform comPlan in writing of your desired lump-sum withdrawal ratio before retirement.
Lump sum payable on death
If an insured person dies before retirement or a recipient of a disability pension dies before the reference age, a lump-sum death benefit is paid to the survivors, irrespective of inheritance law. Previously, only spouses, partners or children entitled to a pension received a lump-sum death benefit amounting to 100% of the insured salary.
From 1 January 2026, entitlements to the lump-sum death benefit will be adjusted in line with common market practice. This means that spouses, partners (including those without the same official place of residence) or children who are not entitled to a pension will receive a lump-sum death benefit.
The amount of the lump-sum death benefit will also be adjusted. Currently, the lump-sum death benefit amounts to 100% of the annual salary insured at the time of death. The lump sum death benefit will now be changed to correspond to the total savings in the BVG retirement savings account, reduced by the total amount of all pension benefits triggered by the death. The cost of the pension benefits will be calculated on the basis of the pension amount and the age of the surviving persons (e.g. spouse, partner, children) who are entitled to a pension. The actual lump sum payable at death therefore depends on various factors such as accumulated capital and how long pensions are paid to survivors and must therefore be calculated individually. In many cases, the new regulation means an improvement in current benefits, ensuring that the lump-sum death benefit is at least 100% of the last insured annual salary in any case. comPlan is currently working on a solution to calculate the individual lump-sum death benefits.
Receiving a spouse/partner’s pension in the form of a lump-sum payment
Spouses’ or partners’ pensions have previously only been paid out in the form of a pension. From 1 January 2026, it will be possible to withdraw the pension in whole or in part in the form of a lump sum.
Further information
The pension regulations, which will apply from 1 January 2026, will be available at www.pk-comPlan.ch in the autumn. We will also inform all insured persons of the changes personally by e-mail.