Disability pension – protection against lost earnings

When is a disability pension appropriate?

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

Cover financial obligations
Maintain the accustomed standard of living

A brief guide to disability pensions

What is insured?

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.

In the event of incapacity to work: If you are incapacitated to a degree of 70 percent or more you will receive the full disability pension.
In the event of partial incapacity to work: If your capacity to work is reduced at between 25 and 69 percent, the disability insurance will pay the pension in accordance with the degree of incapacity.

How do disability pensions work?

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.

What types of disability pension are there?

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