2nd Pillar Disability Pension: Who Qualifies and What You Get
Learn how the 2nd Pillar Disability Pension provides supplementary income for employees in Switzerland facing long-term disability.
This scheme provides a supplementary pension to support individuals who receive state disability benefits but need extra financial coverage to maintain their standard of living.
Who it's for
This pension is designed for employees who are facing a long-term disability. It is part of the Swiss pension system designed to provide financial security for those unable to continue their professional activities due to health reasons.
What you get
The benefit is a supplementary pension that is paid in addition to your state IV (Invalidenrente) benefits. While the state provides a baseline level of support, this second pillar is intended to help bridge the gap in your income to ensure your financial situation is more stable during your disability.
What it costs you
There is no upfront fee or separate cost to access this benefit. The funding for this scheme is already included in your regular pension fund contributions, which are deducted from your salary as part of your employment in Switzerland.
The catch to know
The amount of coverage you are entitled to is not universal; it depends entirely on your specific employment history and the details of your individual plan. You must check your personal pension certificate to understand your specific coverage level and see how much support you would actually receive.
How to apply
- Locate your most recent pension certificate provided by your employer's pension fund.
- Review the details in your certificate to confirm your specific disability coverage level.
- Contact your specific pension fund provider to request the necessary application forms for a disability pension.
- Submit the required documentation to your pension fund for review.