Good to know
In accordance with Art. 26 OOB2 (Ordinance on Occupational Retirement, Survivors’ and Disability Pension Plans), the employee benefit institution may defer the entitlement to disability benefits until the insured person’s entitlement to daily benefits is exhausted (waiting period: 24 instead of 12 months) if:
- the insured person is receiving daily benefits from their health insurer instead of their full salary,
those daily benefits amount to at least 80% of their salary and
- at least half of the daily benefits insurance premium was paid by the employer.
With the LOB-coordinated solution, the insured person is entitled to 730 days of daily benefits per claim, less the waiting period.
It is advisable to coordinate the benefits with those of your employee benefits insurer (LOB). This enables you to optimize your premiums and, when an insured event occurs, the benefits are coordinated with each other.