| Active insured | Recipient of a disability pension | Retiree | |
|---|---|---|---|
| Surviving spouse's or cohabiting partner's pension | Two-thirds of the insured disability pension | Two-thirds of the drawn disability pension | Eligible at retirement: One-third, two-thirds or three-thirds of the retirement pension |
| Lump sum payable at death in addition to the surviving spouse's or cohabiting partner's pension | 50% of the pensionable base salary, max CHF50,190 + excess pension capital + assets in pension capital supplementary account + assets in retirement capital + assets in retirement capital supplementary account + settlement for missing, future contribution years | 50% of the pensionable base salary, max CHF50,190 + excess pension capital + assets in retirement capital + settlement for missing, future contribution years | Three annual pensions less the pensions already drawn |
| Lump sum payable at death, if no surviving spouse's or cohabiting partner's pension is paid | All retirement assets, but at least 50% of: pensionable base salary + base salary excess + the average of the three most recent awards | All retirement assets, but at least 50% of: pensionable base salary + base salary excess + the average of the three most recent awards | Three annual pensions less the pensions already drawn |
Orphans' pensions
In the event of the death of an active insured or a pension recipient, children under 18, or children under 25 who are still in education or training, will receive an orphan's pension. This amounts to 20% of your insured disability pension or the drawn retirement or disability pension, up to a maximum of 60% for three or more children.
Notification of death
We request that the survivors inform us of the death of an insured (active insured, retiree, or recipient of a disability pension) by telephone or in writing and submit the following documents:
- Copy of death certificate and family register
- In the case of eligible children who are aged 18 or over, proof that they are still in education
- Bank details (clearing and account number) of the spouse, cohabiting partner, registered partner and/or children.
Once we have received the necessary documents, we will check the entitlement and pay survivors' benefits to the surviving dependants.
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