In Switzerland, it is important to differentiate between two specific situations of disability: disability due to an accident, and disability due to an illness. disease and disability caused by accident. In the first case, the disability pension is paid by the 2nd pillar (BVG)while in the second, it's theaccident insurance (AA) which covers the payment of a disability pension.
Why a BVG disability pension?
Visit Switzerland, the pension professional do go to limit not à prepare the retirement. She play also a role crucial at case d'disability, at complement from services from Insurancedisability (AI).
When a person undergoes a damage sustainable à its capacity from work, the annuity LOB at case disability allows from compensate a part from the loss from income. But which are visit conditions for at benefit, what is the amount from this annuity and how go to calculates-t-her? This article you guide not à not for understand the operation from this service from 2nd pillar.
Entitlement to a BVG pension
The right à a annuity LOB at case disability do is born not immediately after a disability from work. Disability must result a damage à the health (disease or accident) occurrence during the period insurance at 2nd pillar, i.e.à-say for the exercise a activity employee submitted à obligation from contribution à the LPP. The LPP/BVG pension is always subject to a preliminary decision theAI.
As with DI, entitlement to a BVG pension therefore arises when the degree of disability reaches 40%. An insured is entitled to a 1/4 pension for a degree of disability of 40%, to a 1/2 pension for a degree of disability of 50%, to a 3/4 pension for a degree of disability of 60%, and to the full disability pension for a degree of disability of 70% or more.
- 40 % Disability rate : 25 % of the annuity
- 45 % Disability rate : 37.5 % of the annuity
- 50% Disability rate : 50% annuity
- 60% Disability rate : 60% annuity
- 70% and + Disability rate : 100% of the annuity
How is a BVG disability pension calculated?
Life mandatory part of the LPP provides for the following calculation:
L'retirement assets with interest at the time of entitlement to the BVG disability pension is taken into account. In addition bonuses that should have been paid up to the normal retirement age. The total amount is then multiplied by the conversion rate to obtain the annual BVG disability pension. In addition, if the insured has one or more dependent children, they will receive a disabled's children's pension equal to 20% of the BVG disability pension.
Supplementary benefits
He is important from check the settlement from its caisse from pension, because visit services from the part supplementary can be more generous, including at this which concerns the calculation from the income, or visit services complementary.
End of cover
The right à the annuity LOB at case disability takes end atthat the person invalid reached age legal from the retirement (65 years), the annuity LOB disability is replaced by the annuity from old age LPP. If earning capacity improves significantly and the degree of disability falls below 40%the entitlement to a BVG pension is deletedin accordance with the periodic reassessment carried out by the DI and the pension fund.
Visit case from death, the annuity disability takes end immediately. According to visit cases, from annuities from survivors (spouse or orphans) can then be versées.
Disabled person's children's pension
When a person perceives a annuity LOB at case disability, its children have also right à a annuity complementary called annuity for children disabled. To benefit from this service, thechild must have less from 18 years, or less from 25 years if is still at training. It can be from from marriage, recognized, adopted or located from at permanent.
The amount of disabled child's pension matches à 20% from the annuity disability LOB paid at parent. She is paid for every child filling visit conditions.
Coordination of IV and BVG benefits
Les annuities AI and LOB do s'add up not freely. A mechanism from coordination, called overcompensation, aims à avoid that the income total from from insurance social exceeds the income that the insured received before the appearance from sound disability.
Visit rule general, the total from annuities (AI, LPP, LAA and other possible services) do must not exceed 90% from last income activity. If this ceiling is reached, is the annuity LOB which is reduced at priority. This mechanism allows from maintain fairness from system from foresight, all at avoiding from situations from overcompensation.
Coordination of IV and BVG benefits
The right à the annuity LOB at case disability do takes effect after a certain delay. This deadline from deficiency is in principle aligned on the one from DI and hard at least one year à go to from deposit from the request from benefits. In the short term, the employer maintains the salary. In the medium term, the insured must rely on other income, as visit compensation daily at case from sickness (underwritten by the employer), or its savings personal.
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