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With a disability pension you can safeguard yourself and your family in the event that you are no longer or only partially able to earn a living.
The financial benefits paid by the statutory disability insurance (first pillar) and the pension fund (second pillar) are often not enough in the event of a disability. With the Helvetia disability pension you can specifically make up the shortfall in your income should you become unable to work. Disability insurance is a risk insurance policy for which no capital is saved. It serves to
This insurance protects you against financial bottlenecks should you become partially or fully unable to work due to illness or an accident. You choose the maximum amount of the pension when you take out the policy.
Disability insurance protects you and your family against the financial consequences of incapacity to work. This is the case if you are no longer or only partially able to carry out your profession. The disability pension supplements your entitlements from the state pension (IV) and the pension fund.
You must be fully capable of working when you take out the disability insurance. The premium amount is based on your occupation group.
If you become incapable of working, Helvetia will pay the quarterly pension after the agreed waiting period. As a rule, only people aged 18 or over can receive a disability pension.
You can take out a disability pension as part of your restricted (pillar 3a) or unrestricted (pillar 3b) pension provision. With restricted pension provision you can deduct your insurance premiums from your taxable income up to a maximum tax amount.
