Understanding my pension certificate

If your disability is recognised by the AI/IV disability insurance, you will be paid a disability pension once the waiting period has elapsed. Pensions are paid based on the degree of recognised disability. The amount shown here corresponds to 100% disability.

A complementary pension for each child whose parent has been recognised as disabled within the meaning of the AI/IV is also allocated for each dependent child under the age of 18 (25 if they are still studying).

Exemption from the payment of contributions means that in the event of full or partial incapacity for work, neither the employer nor the employee is required to pay any further contributions after the waiting period has expired. The pension fund will pay the retirement credits based on the last insured annual salary.

In the event of your death, a pension will be paid to your spouse, registered partner or live-in partner, if the conditions are met.

A complementary pension for each orphan whose parent has died is allocated for each dependent child under the age of 18 (25 if they are still studying).

Depending on the pension plan chosen by your employer, an additional lump-sum death benefit is also paid to the beneficiaries in the order defined in the pension plan regulations. The insured person may, under certain conditions, change the order defined in the regulations.

If you die after you have retired and are receiving a retirement pension, your spouse, registered partner or cohabiting partner is entitled to a life annuity if the conditions are met. In principle, it is equal to 60% of your retirement pension.

The accumulated savings correspond to your retirement savings assets at the date of issue of the pension certificate (LPP/BVG portion and total amount).

Purchases already made and the various transactions during the year (inflows and outflows of funds) are also shown.

You can increase your retirement savings by making one or more voluntary payments. This will improve your retirement benefits. You can purchase insurance years at any time up to the day before you retire.

However, once a purchase has been made, the retirement savings capital cannot be paid out in the form of a lump sum for a period of three years.

Up to three years before you become entitled to retirement benefits, you can withdraw all or part of your retirement savings (minimum CHF 20,000) to finance the purchase of a property as your main residence or to repay a mortgage.

From the age of 50, the amount available for an EPL withdrawal is limited. For further information, please contact your officer.

If you have already made a withdrawal for home ownership, you will find here the amount withdrawn, which can be repaid at any time (minimum CHF 10,000).

If you transfer vested termination benefits following a divorce, you may repay them.

This section lists the people who represent your company within our pension fund.

It is always composed of an equal number of employer and employee representatives. Employee representatives must be active employees of the company.