A lot of people live in a partnership – some with, some without a marriage licence. If a spouse or registered partner dies, the surviving party will receive a so-called spouse's pension from the 2nd pillar capital of the deceased. The pension fund regulations will stipulate whether death benefits are also provided for partners without a marriage licence. The regulations will also set out the necessary requirements and conditions. Many pension funds specify, for example, that prior registration is required for a partner's pension. Capital benefits may also be provided for. In this case, appropriate notification designating the partner as a beneficiary might have to be submitted.
The following information relates to the provisions in force at Helvetia. They may differ from those of other pension funds.
For a partner to be entitled to receive benefits from an occupational benefit scheme, certain legal requirements need to be met:
At Helvetia all solutions provide for the possibility of a partner's pension. In addition to the requirements mentioned above, the following applies:
More detailed information is available «Partner» information sheet.
The partner's pension is normally as high as a spouse's pension. This information can be found on your insurance certificate. If the partner's pension has not been registered, this does not automatically mean that the surviving partner will go empty-handed. The pension will not be paid out though. However, in this case, partners too may be entitled to old-age savings not used for the pension (so-called restitution of contributions) or at most to separately insured lump-sum death benefits. In such a case, entitlements depend on what is referred to as the order of beneficiaries. It contains provisions on who can receive benefits and how high they are.
In respect of a lump-sum death benefit or a restitution of contributions, partners may also be included among the beneficiaries, provided that they satisfy the corresponding requirements in accordance with the definition of the term «partner». Depending on the life circumstances and family constellation, in addition to a partner, children may also assert claims. At any rate, it is worth giving some thought to the order of beneficiaries. Here too the question arises whether and to what degree the partner is to be made a beneficiary. In the event of a departure from the requirements in the regulations, appropriate notification must be made using the «Order of beneficiaries» form. This allows the sequence of beneficiaries and the distribution of shares of the lump-sum death benefit to be changed. If no notification is made, the order of beneficiaries stipulated in the regulations will apply.