… 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.
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.
If you should become unable to work as a result of an accident or illness, you will receive a regular pension from Helvetia. This way you protect yourself and your family from financial worries. The pension is paid out quarterly – until you can work again or the contract ends.
A disability pension supplements the benefits from the 1st pillar (OASI/DI) and the 2nd pillar (pension fund). Depending on the degree of disability, either the entire pension or a part of it is paid out.