Disability pension. When everything suddenly changes.
Be honest: does a disability pension make sense for me?
… you are about to plan a family and wish to protect your joint livelihood.
… you make a major contribution to the household budget.
… you wish to maintain your standard of living and stay independent even in the worst case.
… you have enough financial backing to safeguard your livelihood should you become unable to earn.
Which type of 3rd pillar is possible for me and how do they differ?
You can deduct your contributions from your taxable income.
You can pay a maximum of CHF 7,056 into pillar 3a each year. The maximum amount for self-employed persons without a pension fund is CHF 35,280.
If you are not yet making use of the maximum annual amount , it makes sense to take out a disability pension in pillar 3a.
Taking out insurance in pillar 3b makes sense if you already make use of the maximum amount for your pension provision in pillar 3a.
If you do not earn – e.g. as a housewife, house-husband, pupil or student – you can also take out a disability pension in pillar 3b.
The contributions can be deducted from your taxes as flat-rate deductions.