Capital option

Employer
Employee
Capital option
Summary

Employer
Employee
Capital option
Summary
Panel

Details of the employer

Company

Contract number

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Details of the employee

Policy no.

Title

First name

Last name

Street

No.

Postcode

Place

Country

Date of birth

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Capital option

Note: When the retirement capital is paid out, all claims to any benefits, in particular survivors’ pensions and retired person’s children’s pensions, lapse proportionately.

Instead of a statutory old-age pension, I apply for the following on my retirement

retirement capital
a part of the retirement savings...

...as a percentage.
...as a one-time capital payment.
...as an annual partial pension.

Percentage of the full retirement benefit

Amount of one time capital payment in CHF

Annual partial pension of CHF

Note: The part of the retirement savings, which is not needed for the annual pension, will be paid out as a one-time capital payment.

Tax-related issues

The tax authorities may consider a capital withdrawal to be circumvention if voluntary purchases were made within three years of the capital withdrawal. The tax authorities may look at someone’s pillar 2 relationship as a whole and generally do not recognise the deductibility of voluntary purchases made during this period. This can lead to an additional tax assessment. The insured person is, in all events, responsible for the tax consequences of a capital withdrawal.

The tax authorities may also consider capital withdrawals to be abusive and offset them if they are drawn in instalments.

It is recommended to clarify the situation prior to the capital withdraw with the relevant tax authority.

Next steps

Capital withdrawals require the approval of the spouse or registered partner. The hence together with the announcement of the payment of the retirement benefits will request the necessary signature, which must be officially certified. For unmarried persons, we will require an original proof of civil status.

I hereby confirm that I have taken note of the tax information.

*Mandatory fields

Summary

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Data protection

All personal data will be processed in accordance with the current legislation:
For compulsory occupational benefits, the data protection regulations of LOB (Art. 85a ff. LOB) apply. The provisions of the FADP apply in addition. The FADP applies to purely supplementary occupational benefits (for information e.g. identity and contact details of responsible persons, processing purposes, etc. please see www.helvetia.ch/privacy).

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Good to know

Important information on the capital option

The maximum amount of capital that can be drawn is the retirement assets corresponding to the degree of capacity to earn. The degree of capacity to earn at the time of the application is relevant.
When the retirement capital is paid out, all claims to any benefits, in particular survivors’ pensions and retired person’s children’s pensions, lapse proportionately.
This capital option applies to all partial retirement steps. If you would like a different arrangement for a future partial retirement step, you will need to notify us with a new capital option form.

Details of the employer

Details of the employee

Capital option

Tax-related issues

Next steps

Summary

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Data protection