1. Employer
  2. Person leaving
  3. New job
  4. Transfer
  5. Termination of employment from the age of 58
  6. Benefit
  7. Payment details
  8. Summary

Details of the employer

*Mandatory fields

Details of the person leaving

Title

*Mandatory fields

New job

Do you have a new job in Switzerland?

*Mandatory fields

Transfer to new employee benefit institution

Address

Account details of the new employee benefit institution and contract number

Note: Please enclose a copy of the payment slip (QR voucher).

Details of the new employer

Address

Documents

Documents attached:

You can upload documents such as payment slips as a file here.

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Document accepted

*Mandatory fields

Termination of employment from the age of 58

Unless you have a new job and are older than 58, please make a selection:

Note: If you wish to receive your retirement benefit, your employer must notify us of your early retirement. Please contact your employer, so that the necessary steps can be taken. Upon receipt of the aforementioned notification from your employer, we will notify you in writing of the retirement benefits due. Thank you.

*Mandatory fields

Use of the benefit

Please select the cantonal bank paying interest to which your vested benefits will be transferred:

Further information and the current interest rates of the cantonal banks can be found at www.swisscanto-fzs.ch.

The following regulations of the Swisscanto Vested Benefits Foundation apply:

Note: The minimum contribution is CHF 10,000. A current residence in Switzerland is also required. For more information, please visit www.ufsz.ch.

Please contact me via

Required documents: Please enclose a copy of the opening application with the payment slip (QR voucher).

Vesting institutions

Upload documents

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Required documents: Please provide us with the confirmation of the AHV compensation office. Your relevant OASI compensation fund can be found at www.ausgleichskasse.ch. You can attach the documents as a file at the end of this form.

Note: Please note that the application for cash payment must be submitted within one year of starting full-time self-employment.

Required documents: Please enclose the certificate of deregistration from the municipality (Switzerland/Liechtenstein) and the confirmation that the social security obligation of the security fund in Bern has been clarified. If the person is moving to a country outside the EU/EFTA, proof of the social security obligation is not required.

You can obtain the relevant form directly from www.verbindungsstelle.ch. You can attach the documents as a file at the end of this form.

Note: A payment will be made in Swiss francs (CHF). Only in countries where the local currency is EUR, GBP or USD will payments be made in the relevant local currency.

Required documents: Please enclose confirmation of the clarification of the social security obligation from the Security Fund, Bern.

You can obtain the relevant form directly from www.verbindungsstelle.ch. You can attach the documents as a file at the end of this form.

Note: This option is not possible in the supplementary benefit scheme (exclusive cadre foundation).

Note: This option is valid only if you are already 55 and are leaving the compulsory occupational benefit scheme as a result of your employment contract being terminated. Non è possibile far proseguire il rapporto assicurativo nel caso in cui la persona assicurata non sia più assoggettata all’AVS (ad es. frontalieri).

By selecting this option you are confirming that you fulfil all these conditions.

In order for you to take advantage of this option this form must be received by the foundation no less than 30 days after the date on which your employment contract ends. You will then be sent all the documentation you need to complete to continue your occupational benefit coverage according to Art. 47a LOB.

We also require a copy of the notice of termination provided to you by your employer. You can upload the documents as a file here.

Upload documents

Drag the file here
or click to select it (10 MB; jpg, png or pdf)*
Document accepted

*Mandatory fields

Payment details of the beneficiary

Account holder

Is a transfer of residence abroad planned?

Tax related aspects of cash payments

The tax authorities may regard the capital withdrawal as circumvention if purchases were made within three years of any capital withdrawal. The tax authorities may consider all the 2nd Pillar pension arrangements of a person as a whole and generally do not recognise the deductibility of purchases made during this period. This may lead to a supplementary tax procedure. The insured is in any case responsible for the tax consequences of the capital withdrawal.

It is recommended that prior clarification be obtained from the relevant tax authority.

*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).

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. can be found under the keyword data protection at www.servisa.ch.

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By signing below, the insured person confirms that they wish to maintain benefit coverage in the form described above, that they have taken note of the information on the last page of this form and that in the case of payment in cash (other than marginal termination benefit), they are no longer subject to the obligatory occupational benefit scheme.

For single, divorced or widowed persons, a confirmation of marital status is mandatory for payment in cash.

In the event of a cash payment, an original officially-certified signature of the spouse or registered partner, as the case may be, is mandatory. Certification must be carried out by a notary, the certification office of the municipality or state chancellery of the place of residence or Canton or an equivalent official body. A signature authenticity check by a Helvetia general or main agency is also acceptable. Signing must take place in the presence of the person certifying the signature. A signed passport or identity card must be produced.

In the event of a cash payment, an original officially-certified signature of the spouse or registered partner, as the case may be, is mandatory. Certification must be carried out by a notary, the certification office of the municipality or state chancellery of the place of residence or Canton or an equivalent official body. Signing must take place in the presence of the person certifying the signature. A signed passport or identity card must be produced.

Good to know

Follow-up cove

If you leave the employee benefit institution and are not yet insured with a new employee benefit institution, you will remain insured with us for one month for the risks of death and disability. Voluntary continuation of the pension fund within the framework of the LOB is not possible with us, but can be requested from the substitute scheme. To avoid any interruption in cover, immediate registration with the substitute scheme is necessary (commencement of the insurance term from receipt of the registration by the branch office of the substitute scheme). Anyone who receives daily unemployment insurance benefits is compulsorily insured for the risks of death and disability through the substitute scheme foundation.

Termination benefit for persons under 25 years of age

If you are under 25 years of age, you were generally only insured for the risks of death and disability and are not entitled to any termination benefit. The compulsory savings process begins on 1 January of the 25th year of age.  

Transfer to new employee benefit institution

If you enter into new employment after termination of your employment, your termination benefit must be transferred to your new employer’s employee benefit institution, where you will continue to build up your occupational pension capital.

Opening of a vested benefit policy or vested benefits account

If you do not have a new employer after termination of your employment, the termination benefit must remain in 2nd Pillar in another form, in which case you have the following options for maintaining benefit coverage:

  • Opening a vested benefits account with a vesting institution.
  • Taking out a vested benefits policy (insurance solution).

Further information on freedom of choice can be found at www.helvetia.ch. If we do not receive any instructions from you within six months regarding use of the termination benefit, we will transfer it in your favour to Stiftung Auffangeinrichtung BVG, PO Box, 8050 Zurich.

Conditions for a cash payment

If any of the following reasons apply to you, the termination benefit can be paid in cash:

  • You are definitively leaving Switzerland. If you leave for a country in the EU or EFTA, the LOB retirement savings may only be paid in cash in cash if you are no longer subject to social insurance obligations in the new country. Note: Payments will be made in Swiss francs (CHF). Only in countries where the local currency is EUR, GBP or USD will payments be made in the relevant local currency. Persons resident abroad are liable to withholding tax. This tax is deducted directly from the payment. Within the European Economic Area (EU) the payment is automatically made in Euro.
  • You are becoming self-employed in Switzerland (full-time) and are no longer subject to the compulsory occupational benefit scheme. Please note that the application for cash payment must be submitted within one year of starting full-time self-employment.
  • You are a cross-border commuter and are definitively giving up gainful activity in Switzerland/Liechtenstein. The LOB retirement savings may only be paid in cash if the cross-border commuter is no longer subject to social insurance obligations in his/her country.
  • Your termination benefit is less than the annual contribution you paid (insignificance of the termination benefit).

If you are married or living in a registered partnership, we require officially certified proof of consent from your spouse or registered partner for any cash payment.

Note: Information, documents and application for clarification of the insurance obligation can be found at www.verbindungsstelle.ch. Sicherheitsfonds BVG, Eigerplatz 2, 3000 Bern

Voluntary continuation of insurance

If you are not joining a new benefit scheme and wish to voluntarily continue your occupational benefit coverage, you have the following possibilities:

  • Insured persons who leave the compulsory occupational benefit scheme can opt to continue their coveraage voluntarily through the Substitute Occupational Benefit Institution (Art. 47 LOB). For further information please contact the Substitute Occupational Benefit Institution LOB (www.aeis.ch).
  • Insured persons who have reached the age of 55 and are leaving the compulsory occupational benefit scheme as a result of their employment contract being terminated can continue their basic occupational benefit coverage at the same level through their previous benefit scheme (Art. 47a LOB). It is not possible to continue coverage through a scheme which provides supplementary benefits coverage only.

Good to know

Follow-up cove

If you leave the employee benefit institution and are not yet insured with a new employee benefit institution, you will remain insured with us for one month for the risks of death and disability. Voluntary continuation of the pension fund within the framework of the LOB is not possible with us, but can be requested from the substitute scheme. To avoid any interruption in cover, immediate registration with the substitute scheme is necessary (commencement of the insurance term from receipt of the registration by the branch office of the substitute scheme). Anyone who receives daily unemployment insurance benefits is compulsorily insured for the risks of death and disability through the substitute scheme foundation.

Termination benefit for persons under 25 years of age

If you are under 25 years of age, you were generally only insured for the risks of death and disability and are not entitled to any termination benefit. The compulsory savings process begins on 1 January of the 25th year of age.  

Transfer to new employee benefit institution

If you enter into new employment after termination of your employment, your termination benefit must be transferred to your new employer’s employee benefit institution, where you will continue to build up your occupational pension capital.

Opening of a vested benefit policy or vested benefits account

If you do not have a new employer after termination of your employment, the termination benefit must remain in 2nd Pillar in another form, in which case you have the following options for maintaining benefit coverage:

  • Opening a vested benefits account with a vesting institution.
  • Taking out a vested benefits policy (insurance solution).

Further information on freedom of choice can be found at www.servisa.ch. If we do not receive any instructions from you within six months regarding use of the termination benefit, we will transfer it in your favour to Stiftung Auffangeinrichtung BVG, PO Box, 8050 Zurich.

Conditions for a cash payment

If any of the following reasons apply to you, the termination benefit can be paid in cash:

  • You are leaving Switzerland permanently. If you leave for a country in the EU or EFTA, the LOB retirement savings may only be paid in cash if you are no longer subject to social insurance obligations in the new country. Note: Payments will be made in Swiss francs (CHF). Persons resident abroad are liable to withholding tax. This tax is deducted directly from the payment. Within the European Economic Area (EU) the payment is automatically made in Euro.
  • You are becoming self-employed in Switzerland (full-time) and are no longer subject to the compulsory occupational benefit scheme. Please note that the application for cash payment must be submitted within one year of starting full-time self-employment.
  • You are a cross-border commuter and are definitively giving up gainful activity in Switzerland/Liechtenstein. The LOB retirement savings may only be paid in cash if the cross-border commuter is no longer subject to social insurance obligations in his/her country.
  • Your termination benefit is less than the annual contribution you paid (insignificance of the termination benefit).

If you are married or living in a registered partnership, we require officially certified proof of consent from your spouse or registered partner for any cash payment.

Note: Information, documents and application for clarification of the insurance obligation can be found at www.verbindungsstelle.ch. Sicherheitsfonds BVG, Eigerplatz 2, 3000 Bern

Voluntary continuation of insurance

If you are not joining a new benefit scheme and wish to voluntarily continue your occupational benefit coverage, you have the following possibilities:

  • Insured persons who leave the compulsory occupational benefit scheme can opt to continue their coveraage voluntarily through the Substitute Occupational Benefit Institution (Art. 47 LOB). For further information please contact the Substitute Occupational Benefit Institution LOB (www.aeis.ch).
  • Insured persons who have reached the age of 55 and are leaving the compulsory occupational benefit scheme as a result of their employment contract being terminated can continue their basic occupational benefit coverage at the same level through their previous benefit scheme (Art. 47a LOB). It is not possible to continue coverage through a scheme which provides supplementary benefits coverage only.
Good to know
Follow-up cover
Termination benefit for persons under 25 years of age
Transfer to new employee benefit institution
Opening of a vested benefit policy or vested benefits account
Conditions for a cash payment
Voluntary continuation of insurance
Good to know
Follow-up cover
Termination benefit for persons under 25 years of age
Transfer to new employee benefit institution
Opening of a vested benefit policy or vested benefits account
Conditions for a cash payment
Voluntary continuation of insurance

Download PDF form

You can download a blank form as PDF using the following link:

  1. Transfer of the vested benefit to a new employee benefit institution (new job)
  2. Opening of a vested benefits policy/account, cash disbursement (no new job)

Download PDF form

You can download a blank form as PDF using the following link:

  1. Transfer of the vested benefit to a new employee benefit institution (new job)
  2. Opening of a vested benefits policy/account, cash disbursement (no new job)

or:

Download current interim status of the online form as PDF

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