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RS 172.220.142.1 Provident Regulations of 3 December 2007 of the FIF Domain Provident Fund for staff in the EFA field (RP-EPF 1)

Original Language Title: RS 172.220.142.1 Règlement de prévoyance du 3 décembre 2007 de la Caisse de prévoyance du domaine des EPF pour le personnel du domaine des EPF (RP-EPF 1)

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172.220.142.1

Provident Regulations of the EFA Domain Provident Fund for staff in the EFA field

(RP-EPF 1)

On 3 December 2007 (State 1 Er January 2015)

The Joint Body of the Provident Fund in the field of EPF (OP EPF),

See art. 32 C , para. 3, of the Act of 24 March 2000 on the personnel of the Confederation 1 ,

Stops:

Chapter 1 General provisions

Art. 1 Purpose

1 This Regulation shall form part of the affiliation agreement of 19 October 2007 of the Provident Fund in the field of FIF 1 .

2 In the framework of the EFA fund, it governs insurance against the economic consequences of old age, disability and death.


Art. 2 Scope of application

This Regulation applies to the Provident Fund in the field of FIF (employer Conseil des EPF, ETHZ, EPFL, PSI, WSL, EMPA, EAWAG) as well as to the employees of the field, in accordance with Art. 1, para. 1, the FIE Domain Personnel Ordinance (OPers-EPF) and the pensioners of this category of staff.

Art. 3 Contingency Plans

1 The Provident Fund in the field of FIF has three contingency plans which are allocated on a functional level, respectively, to the contract of employment to the persons concerned:

A.
Standard plan: for the insurance of persons up to the functional level 9 including persons who are paid by a flat rate;
B.
Executive Plan 1: for the assurance of persons on functional levels 10 to 12, including;
C.
Executive Plan 2: for the assurance of individuals at functional levels 13 and above.

2 In addition to these contingency plans, the insured person may choose between two supplementary contingency plans (Art. 25) for which it will pay higher savings contributions.

Art. 4 Objective of foresight

The calculation templates presented in this Regulation are based on retirement at age 65.

Art. 5 Abbreviations

The abbreviations used in this Regulation are given in Annex 8.

Art. 6 Registered partnership

According to the LPart, the registered partnership is assimilated to marriage. The effects of the judicial dissolution of the registered partnership are assimilated to those of divorce.

Art. 7 Assignment and pledging

The rights deriving from this Regulation shall not be ceded, pledged or seized before they are due. The provisions of the chap were reserved. 10 on the promotion of housing ownership .

Art. 8 Interest, Interest Moratorium

Except as provided for in this Regulation, the applicable interest rates shall be fixed each year by the Committee on the Fund. Interest rates are set out in Appendix 1.

Art. Administrative Costs, Supervisory Authority Fees and LPP Guarantee Fund Contributions

The financing of administrative costs, supervisory authority fees and contributions to the LPP guarantee fund is the subject of a separate agreement between the employer and PUBLICA under the contract of affiliation.

Art. 10 Obligation of insured persons, annuities and survivors to advertise and inform

1 Intake employees, as well as insured persons, pensioners and their survivors, are required to give PUBLICA full and truthful information on the essential facts relating to their Relationships with PUBLICA and provide all required supporting documentation. Art. 15 and 16 apply in the case of a medical reserve.

2 The insured persons and pensioners entitled to receive PUBLICA benefits or their survivors must, in particular, announce without delay and in writing:

A.
Their marriage or remarriage, the registration of a partnership within the meaning of the Part or the establishment of a free union, if there is a right to an individual's pension or to a partner's pension;
B.
Completion of the training or recovery of the earning capacity of the child over 18 years of age for which there is a right to an orphan's or orphan's pension;
C.
The death of the insured person or the beneficiary.

3 Persons insured and beneficiaries of annuities entitled to PUBLICA invalidity benefits must, in addition to the income to be taken into account in accordance with Art. 77, para. 2 and 3 1 , declare in writing, without delay or special warning, any change in the income and any change in the rate of disability and the amount of the annuity. 2

4 Claims to other insurance or civil liability rights must be reported in writing to PUBLICA, without any specific delay or warning.


1 Introduced after approval by the CF in the sense of a correction under s. 10, para. 1, of the Act of 18 June 2004 on official publications (RS 170.512 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 11 Consequence of non-compliance with the obligation to advertise and inform

1 Intake employees, insured persons and pensioners, as well as their survivors, pay for the additional work caused to PUBLICA as a result of reluctance or transmission of information Erroneous or delayed data. The terms and conditions are laid down in the Regulation on emoluments.

2 It is considered a breach of the obligation to advertise and inform, the late transmission of information or communication and the refusal to declare or communicate.

3 If an insured person who has filed an application for the benefit of PUBLICA is in breach of the obligation to inform or declare, PUBLICA suspends the proceedings relating to the right to benefits and decides on the case only after Receipt of required information.

4 If an insured person or an annuity beneficiary who is entitled to PUBLICA benefits infrings the obligation to inform or declare, PUBLICA suspends payment of benefits until the required information is received.

5 Benefits will only be paid when the person entitled has provided all the necessary documentation for the assessment of entitlement to benefits. In case of late transmission of the documents, the benefits will be paid without interest.

Art. 12 Obligation of PUBLICA, personal certificate

1 Upon admission to PUBLICA, the insured person receives a personal certificate containing all the relevant data concerning his or her own occupational foresight. Insured persons receive a personal certificate at least once a year.

2 At least once a year, PUBLICA adequately informs the insured persons about its organisation, financing and the composition of the joint body.

Art. 13 Employer's obligation

1 The employer shall communicate in time to PUBLICA the names of employed persons to be insured and all the data necessary for the management of occupational foresight, in particular the decisive annual salary, the occupancy rate, The civil status, the date of marriage and the relevant information concerning children for whom there is a right to the benefits referred to in s. 41, 47 and 58. The employer responds to the accuracy and completeness of the information provided.

2 In the event of a delay in the announcement of a change, the insured person's insurance reports will be adjusted according to the effective date of the change in these reports.

Chapter 2 Insured persons

Art. 14 Conditions for admission to insurance

Employed persons are compulsorily insured against the risks of death and disability from 1 Er January following the age of 17. The 1 Er January following the age of 21, they are also insured against the risk of old age.

Art. 15 Medical Reserve

1 PUBLICA may issue medical reserves for the coverage of death and disability risks to persons pending admission if the risk capital is at least one million francs and the insured persons who benefit A sustainable wage increase of at least 40 000 francs and for which the risk capital is at least one million francs. The duration of such a reservation is limited to five years.

2 The protection of insurance acquired with the provision of exit cannot be reduced by a new medical reserve.

3 In the presence of cases according to para. 1, PUBLICA evaluates the health of the insured person on the basis of a health questionnaire. If the information suggests an increased risk to the insurance, PUBLICA may, within three months of receipt of the questionnaire, order a medical examination from the office doctor.

4 If a medical examination is required, PUBLICA provides interim risk coverage under para. 6 from the date of admission or the change in the insurance relationship until the receipt of the report of the medical consultant. Upon receipt of this report, PUBLICA decides on the final and retroactive coverage, with or without reservation. PUBLICA informs the insured person of the reservation issued.

5 The insured person is in all cases obliged to inform PUBLICA of a possible medical reserve still in force issued by one of its previous provident institutions.

6 If, during the reserve period, the state of health is aggravated to the point of death or incapacity for work of the insured person, entitlement to benefits remains in the scope and beyond the duration of the reserve. This entitlement is limited to the following benefits:

A.
Benefits under the PPL (minimum PPL benefit); and
B.
In the context of compulsory insurance: where applicable, an annuity financed by the mathematical reserve available for that purpose.
Art. 16 Reticence

1 If on the questionnaire referred to in s. 15, para. 3, the insured person failed to report any health risks that she knew or needed to know or provided incorrect information, or if she failed to declare a medical reserve issued by one of its provident institutions Or has provided erroneous information on this subject, PUBLICA may retroactively limit the insurance coverage to the benefits indicated in s. 15, para. 6.

2 The right to limit insurance coverage is extinguished four weeks after PUBLICA became aware of the reluctance.

3 If, based on para. 1, PUBLICA limits the insurance coverage, the obligation of PUBLICA to allocate benefits also ceases for cases of foresight that have already occurred whose survenance and extent were influenced by the object of reticence. To the extent that PUBLICA provided supercompulsory benefits for such a case, it is entitled to their refund.

Art. 17 Persons not subject to insurance

Not allowed in the insurance of PUBLICA, employed persons:

A.
Committed for a limited period of not more than three months; in the event of an extension of the contract of employment, the obligation of insurance shall arise at the time when it is agreed to extend the contract;
B
Who carry on an ancillary activity on behalf of an employer affiliated with the FIF pension fund and are already subject to compulsory insurance for a gainful occupation carried on as a principal or carry on an activity Primary independent profit;
C.
That are invalid within the meaning of the ATIA, at least 70 %;
C Bis . 1
Which, within the meaning of s. 26 A LPP, remain provisionally insured with the institution of foresight required to provide them with benefits;
D.
Whose annual salary is less than the minimum wage in accordance with s. 7 LP;
E.
Who are 65 years of age; or
F.
Who do not carry on their lucrative business in Switzerland or are likely to do so permanently and who have sufficient insurance coverage abroad, provided that they so request.

1 Introduced by ch. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. 18 Termination of Insurance

1 Insurance terminates:

A.
With the termination of employment reports, provided that the insured person is not entitled to old age or disability benefits on that date;
B. 1
When the insured person has reached the age of 65, subject to s. 18 B .
C.
... 2

2 However, the data subject remains at PUBLICA against the risks of death and disability for one month after the termination of the working reports. The benefits correspond to the benefits provided at the end of the work reports. If a new pre-need relationship arises before the end of that period, the new provident institution is competent.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 Repealed by c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, with effect from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 18 A 1 Maintenance of foresight in the case of leave without pay

During leave without pay or in part with pay, the insured person may, in accordance with s. 29 and labour law provisions, to maintain fully or partially the insurance coverage that it had until then.


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 18 B 1 Maintenance of old-age pension after age 65

If the working relationship continues after the age of 65, the old-age pension of the insured person is maintained until the termination of the working relationship, but at the latest until the age of 70. The insured person may, if requested, waive the maintenance of his old age pension.


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 18 C 1 Maintenance of foresight in the event of a reduction in the determining annual salary

1 If the determining annual salary of an insured person who has attained the age of 58 years is less than 50 %, the latter may request the total or partial maintenance of his or her foresight at the level of the last insured gain.

2 Insurance is maintained at the last insured gain until the end of the work reports. In all cases, it ceases at the latest when the insured person reaches the age of 65.


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Chapter 3 Basis of calculation

Art. 19 Determining annual salary

1 The employer determines and communicates to PUBLICA the annual salary for the insurance of insured persons.

2 The decisive criteria for calculating the determining annual salary are defined by the employer for each category of insured person, on the basis of unified principles taking into account the provisions of the LPP and its implementing provisions.

3 The determining annual salary must not exceed the income that is subject to the insured person's DSA. Art. 18 A And 18 C Are reserved. 1

4 The employer may define in advance the determining annual salary based on the last known annual salary. It must take into account the changes agreed to for the current year. In the case of large changes in the occupancy rate or the amount of income, the determining annual salary shall be fixed in a lump sum on the basis of the average salary of the occupational group concerned.

5 When the salary is subject to significant changes, the annual salary for the obligation to contribute is the one shown on the salary certificate submitted to the DSA. The employer is indebted to PUBLICA of instalments of contributions to be paid until the final count is received.

6 If an insured person has been employed for less than one year, is deemed to be an annual salary that determines the salary she would have earned had she worked throughout the year.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. Insured Gain

1 The insured gain is the determining annual salary, net of the amount of coordination.

2 The amount of coordination shall be equal to 30 % of the determining annual salary but not more than the lower end-limit in accordance with Art. 8, para. 1, LPP.

3 In the case of partial invalidity of an insured person, the amount of coordination within the meaning of para. 2 is reduced according to the right to the partial annuity.

4 The maximum insured gain retained is determined on the basis of the insured gain that was valid immediately before a reduction. 1


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 1 Part-time activity

The determining annual salary of insured persons performing a part-time activity is the salary they would obtain at a 100 % occupancy rate. The insured gain is the determining annual salary, net of the amount of coordination, converted to the determining occupancy rate for the insurance.


1 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. Non-insurable earnings

Income from employers who are not in the FIF domain or from an independent activity cannot be insured with PUBLICA.

Chapter 4 Savings contributions, risk premium, exit benefits and redemption

Art. Savings premiums and risk premium

The insured gain is the determining factor in the calculation of the savings and risk premium.

Art. 24 Savings contributions

1 Savings contributions are collected as early as 1 Er January of the year following 21 E Birthday of the employee and are staggered according to age. The sum of the savings contributions according to para. 2 forms the old-age subsidies of each insured person.

2 The various contingency plans set out the following savings contributions:

A.
Standard plan for employed persons up to the functional level 9 including and for persons paid by a package:

Age class (Contribution class)

Employed employee savings rate (%)

Employer savings rate (%)

Total old-age subsidies (%)

22-34

4.60

8.15

12.75

35-44

5.85

10.40

16.25

45-54

8.55

15.15

23.70

55-70

11.25

20.00

31.25

B.
Executive Plan 1 for self-employed persons in functional levels 10 to 12:

Age class (Contribution class)

Employed employee savings rate (%)

Employer savings rate (%)

Total old-age subsidies (%)

22-34

4.60

8.15

12.75

35-44

5.85

10.40

16.25

45-54

9.60

17.00

26.60

55-70

12.25

21.85

34.10

C.
Executive Plan 2 for self-employed persons in functional levels 13 and over:

Age class (Contribution class)

Employed employee savings rate (%)

Employer savings rate (%)

Total old-age subsidies (%)

22-34

5.60

10.00

15.60

35-44

6.85

12.20

19.05

45-54

10.60

18.90

29.50

55-70

13.35

23.70

37.05. 1

3 The age for the definition of savings contributions and thus old age subsidies is the difference between the current calendar year and the year of birth of the insured person.

4 The change in the class of assessment under para. 1 takes place on 1 Er January of the year following the anniversary of the age-class limit.


1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).

Art. 25 Supplementary Provident Plans

1 In addition to the savings contributions referred to in s. 24, the insured person can pay voluntary savings contributions by opting for the supplementary contingency plan 1 or 2.

2 Persons insured according to the standard plan or the Management Plan 1 may opt for one of the following supplementary contingency plans:

Age class (Contribution class)

Contingency Plan compl.1 Voluntary Savings Contribution (%)

Contingency Plan compl.2 Voluntary Savings Contribution (%)

22-44

1.00

2.00

45-70

2.00

4.00

3 Persons insured under the Executive Plan 2 may opt for one of the following additional contingency plans:

Age class (Contribution class)

Contingency Plan compl.1 Voluntary Savings Contribution (%)

Contingency Plan compl.2 Voluntary Savings Contribution (%)

22-70

1.00

2.00

4 The employer shall communicate to PUBLICA if the insured person has opted for a supplementary contingency plan specifying which, if the plan changes or completely waives the plan. The deployment takes effect on the first day of the month following the announcement. 1

5 ... 2

6 The insured person's insured gain is the basis for the definition of the voluntary savings contribution.

7 Voluntary savings contributions are not credited to old age but to a separate savings account (PC account). The PC account is reduced proportionally as a result of withdrawals in the context of encouraging housing ownership (art. 92) or transfers in the event of divorce (art. 98). The rules of art. 36 concerning the management of old age are applicable for the management of the PC account. The interest rate for the voluntary savings contributions on the PC account, respectively, is set out in Annex 1.


1 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).
2 Repealed by c. I of the D of OP EPF of 24 March 2012, approved by the CF on 15 March 2013, with effect from 1 Er Jan 2013 ( RO 2013 993 ).

Art. 26 Risk Premium

1 A risk premium calculated per cent of the insured salary is collected for the life and disability risk insurance. The risk premium rate is the same for all age classes.

2 The risk premium is paid by the insured person and the employer. The insured person's share is 0.75 % of the insured gain, regardless of the plan in which it is insured. The amount of the employer's risk premium amounts to at least 0.75 % of the insured gain. 1


1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).

Art. 27 Payment of Savings and Risk Premium

1 The employer is responsible for the payment of all savings contributions and the risk premium. Contributions and premiums are paid monthly to PUBLICA.

2 The savings contribution (s. 24 and 25) and the risk premium (art. 26) of the insured person are deducted from the monthly salary. The savings contribution under s. 24 and the risk premium under s. 26 to be paid by the insured person and the employer-paid savings contribution are shown in the table in Appendix 2.

3 The obligation to pay contributions and the premium begins with admission to insurance.

4 It ends:

A.
The death of the insured person;
B.
In the case of a disability in accordance with s. 53;
C.
The termination of employment reports;
D.
But at the latest when the insured person reaches the age of 65 for the risk premium and at the latest when the insured person has reached the age of 70 for savings contributions (art. 24 and 25).

5 Art. 28 is reserved.

Art. 28 Obligation to pay contributions and premium in the event of admission or exit in the course of the month, leave without pay, maintenance of foresight in the event of a reduction in the annual salary and death rate 1

1 When an insured person is admitted to insurance before the 15th of the month, the contribution is due for the whole month. If admission takes place on or after the 15th of the month, the contribution is due from 1 Er In the following month.

2 When the exit (last day of the work reports) of an insured person is effective before the 15th of the month, no contribution is due for the current month. If the exit occurs on or after the 15th of the month, the contribution is due for the whole month.

3 The rule set out in paras. 1 and 2 shall apply mutatis mutandis in the case of leave without pay (Art. 29) or maintenance of foresight in the case of a reduction in the determining annual salary (Art. 29 A ). 2

4 In the event of the death of the insured person, the contribution is due for the whole month.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. Leave Without Pay

1 In the case of leave without pay or partly paid, insurance shall continue to run without modification for one month.

2 The insured person can maintain insurance from 2 E Months by paying the employer's own savings and risk premium, in addition to his own savings contributions and risk premium. If it maintains the insurance only for the risks of death and disability, the old age available and the PC account are paid from an interest until the end of the period of leave (see annex 1).

Art. A 1 Savings contributions and risk premium in case of maintenance of foresight in a reduction of the determining annual salary

1 If, in the case of a reduction in the determining annual salary, the insured person maintains his foresight under s. 18 C , it must pay, in addition to its own savings and the risk premium, the employer's savings and risk premium (s. 24 and 26) to maintain insurance at the level of the last insured gain.

2 A possible financial contribution by the employer to the maintenance of foresight shall be governed by the labour law provisions.


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. Output benefits provided

The exit benefits of other provident institutions and the assets to the institutions of free passage must be transferred to PUBLICA upon admission of the insured person. They are fully credited to the old-age of the insured person.

Art. Exit benefits transferred as a result of a divorce

The share of the exit allowance transferred in favour of an insured person following a divorce is fully credited to the old age.

Art. 32 Buy-in-General 1

1 The redemption of the prescribed benefits is authorized subject to para. 4. It shall not exceed the limits set by the LPP (see Annex 3). The age and the gain at the time of redemption are, subject to s. 32 B , para. 2, determinants. For persons whose decisive annual salary is fixed in accordance with Art. 19, para. 4, the threshold amount is the average insured monthly gain in the last 12 months multiplied by 12. 2

2 ... 3

3 For the beneficiaries of old-age benefits, the commutation of the statutory benefits is limited to pre-need benefits in excess of the level of foresight acquired before the occurrence of the old-age pension provision. Is reserved for art. 32 C , para. 2 and 6, let. C. 4

4 Purchases made after the occurrence of an incapacity for work whose cause is the cause of the invalidity shall be returned (Art. 57, para. 3).

5 Buybacks are only possible on the condition that they have fully repaid the anticipated levies collected as part of the housing incentive. If the repayment of the levies in accordance with Art. 93, para. 2, let. Is no longer authorised, redemptions may be made in so far as their amount, plus the amount of the advance levies, does not exceed the maximum benefits established by this Regulation.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
3 Repealed by c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, with effect from 1 Er Jul. 2012 ( RO 2012 2091 ).
4 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012, except the last sentence, in force since 1 Er Jan 2013 ( RO 2012 2091 ).

Art. 32 A 1 Purchase by single payment up to age 65

During the 90-day period following admission to insurance, the insured person may, within the limits set out in s. 32, freely decide on the amount of the first buyback. After this period, the minimum amount of a redemption is 5000 francs. If the possible residual sum is less than 5000 francs, the entire sum must be paid at one time.


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 32 B 1 Single payment after age 65

1 A redemption after age 65 is possible within the limits set out in s. 32, if the insured person:

A.
Did not, at the age of 65, complete the full repurchase of the prescribed benefits, and
B.
Maintained his old-age pension after the age of 65, in accordance with art. 18 B.

2 Are decisive for the calculation of the redemption amount:

A.
The insured gain at age 65;
B.
The factor (per cent of the insured gain) corresponding to the age of 65 according to Schedule 3, and
C.
The amount of old age available at the time of redemption.

1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 32 C 1 Redemption by Instalment Payments

1 The redemption may also be made within the limits set out in s. 32, through the monthly instalment payment.

2 The payment of hard payments, subject to para. 6, at the latest until the insured person reaches the age of 60. If the insured person makes a single payment or wishes to increase the amount of the monthly instalments, the duration of the instalment payments shall be reduced accordingly. Several redemetions by instalment payments cannot be in progress at the same time.

3 Progress payments consist of:

A.
The amortization of the redemption amount at a minimum of 250 francs per month;
B.
Variable interest (Schedule 1) on the remaining balance owing, and
C.
Of the variable risk premium (Appendix 1a), to amortify the debt in the event of disability or death.

4 At the end of each year, the joint body sets the interest rate and the rate of the risk premium for the coming year. Interest and risk premium are set once a year on the basis of the balance due at the beginning of the year.

5 If the insured person chooses to make progress payments, the terms and conditions are set out in an agreement between PUBLICA and the insured person.

6 The instalment payment is stopped:

A.
If the insured person so wishes;
B.
If the insured person wants to make an advance payment;
C.
If the old-age pension is collected before the age of 60;
D.
From the beginning of the person's right to disability benefits; or
E.
From the beginning of the right to survivor benefits following the death of the insured person.

7 PUBLICA may collect administrative fees for the establishment of the Convention and amendments to it. These fees are set out in the Fees Regulation and, on request, previously communicated to the insured person.


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jan 2013 ( RO 2012 2119 ).

Art. 33 Increase in the old-age pension in case of retirement before the age of 65

1 From the moment she announced her intention to retire before the age of 65, the insured person may, through a buyback, increase her old-age pension up to the amount of her insured disability pension. For this calculation of the old-age pension a possible PC account is not taken into account. If the insured person communicates this buyback less than three months prior to retirement, they will be charged the administrative costs in accordance with the emoluments regulations.

2 This increase in the old-age pension can only take place through a single direct payment.

3 Any amount to finance the increase in the old age pension credited to the PUBLICA account after the retirement of the insured person will be refunded.

Chapter 5 Remediation measures

Art. 34 Measures applicable to overdraft

1 If the actuarial verifications refer to an overdraft within the meaning of the LPP, the Joint Body shall be required to implement remedial measures in accordance with the legal requirements.

2 If other measures fail to achieve this objective, the joint body may, for a limited period, receive a contribution from the employer, insured persons and, within the framework of Art. 65 D , para. 3, let. B, PPL, annuities. The employer's contribution must be at least as high as the sum of the contributions of insured persons.

3 A sewerage contribution may be collected only with the consent of the employer and in so far as they are used for the financing of the superimposed benefits.

4 The remediation contribution is not taken into account in the calculation of the exit benefit, old-age benefits, disability benefits and death benefits.

5 If a sewerage contribution is collected, the joint body of the FIF pension fund shall inform the insured persons and the beneficiaries of the pension on:

A.
The rate or amount;
B.
The expected duration;
C.
The distribution between the employer and insured persons;
D.
The method of payment.

6 If the collection of remediation contributions is insufficient, the minimum interest rate may, as long as the discovery lasts, but at most for 5 years, be reduced by a maximum of 0.5 % from the minimum PPL rate applicable to remuneration To have old age.

7 In the event of an overdraft, the employer may make contributions on a separate account of employer contribution reserves, including a declaration of renunciation of their use or transfer of assets from the reserves to that account Regular employer contributions.

8 In the event of an overdraft, the contingency fund may issue restrictions, or even oppositions, in the duration and amount, for the payment of advance payments if they are used for the reimbursement of mortgage loans. The restriction or opposition is only possible during the open period. The Joint Body shall inform the insured person affected by a restriction or opposition, of the duration and extent of the measures.

Art. 35 Payment of remediation contributions

1 The employer is responsible for the payment of the contributions, the employer and the insured persons, to be paid as a remediation.

2 The collection of remediation contributions is:

A.
Deducted monthly from the salary of insured persons;
B.
Deducted monthly from annuity beneficiaries' annuities.

Chapter 6 Benefits

Section 1 Old-age benefits

Art. 36 Old Age

1 Individual old age is made up for each insured person.

2 Old age is composed of the following elements:

A.
Old-age subsidies within the meaning of Art. 24;
B.
Leave benefits provided within the meaning of s. 30;
C.
Contributions to the insured person, paid as a result of a divorce in accordance with s. 31;
D. 1
Redems within the meaning of s. 32 A And 32 B ;
D Bis . 2
The amount of repurchase under s. 32 C ; para. 3, let. C, is reserved;
E.
Refunds of pretax deductions collected as part of the incentive for the ownership of the dwelling or the payment of income acquired as a result of the realization of the pledge to have foresight;
F.
Any additional subsidies;
G.
Any purchases paid by the employer;
H.
Interest according to Schedule 1.

3 The following are deducted from old age:

A.
The advance payments granted in connection with the promotion of the ownership of the dwelling or the income acquired as a result of the pledge to have foresight (art. 91);
B.
The shares of the exit provision which, following a divorce, were transferred to the foresight of the divorced spouse (art. 98);
C. 3
The balance owing after the termination of the payment of the instalments under s. 32 C , para. 6, let. A to c.

4 Old-age subsidies are credited with no interest in having old age in the current year.

5 The interest according to Annex 1, calculated on the basis of the state of the old age at the end of the previous year, shall be credited to the credit of the old age at the end of the current calendar year.

6 Interest on exit benefits and redems are credited Pro rata temporis For the corresponding year (Annex 1). On payments according to para. 3 interest and calculated at Pro rata temporis For the current year; and the old age is reduced proportionally.

7 On the occurrence of a pre-need situation or if the insured person leaves the contingency fund in the current year, interest for the current year as per Annex 1 shall be calculated Pro rata temporis On the basis of the old age accumulated at the end of the previous year.

8 At the end of each year, the Joint Body shall determine the interest rate applicable in the following year for the remuneration of old age on the basis of the provisional result of the financial year, and on the state of wealth and income of the credit union Of the EFA domain.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 Introduced by c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jan 2013 ( RO 2012 2119 ).
3 Introduced by c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jan 2013 ( RO 2012 2119 ).

Art. Birth and extinction of the right to old-age benefits

1 The right to old age benefits takes birth as soon as 1 Er The month following the 60 E Anniversary of the person insured with the end of the working reports and by no later than 1 Er The month following his 70 E Anniversary.

2 He dies at the end of the month in which a person with an annuity dies.

3 If, at the end of the working reports, an insured person is entitled to an old-age pension and has not yet reached the age of 70, it may, instead of the old-age pension, require the transfer of its exit provision to the institution The foresight of his new employer. If she has not yet reached the age of 65 and has announced himself or herself to unemployment insurance, she may request, instead of the old-age pension, the transfer of her output to an institution of Free passage (art. 84). 1

4 The insured person must request in writing to PUBLICA the transfer of his exit allowance no later than 30 days before the end of the working reports. If the request reaches PUBLICA less than 30 days before the end of the working reports or after the end of the working reports, the administrative costs provided for in the emoluments regulation may be charged to the insured person.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 38 Partial Retirement

1 If an insured person over the age of 60 reduces his/her occupancy rate, she is entitled to a partial old-age pension corresponding to the reduction in the occupancy rate. The partial retirement rate is the reduction in the occupancy rate.

2 After reaching the age of 60, the insured person may apply for one or more times a partial old-age benefit. 1

3 In the case of partial retirement, the old age and the possibility of having on a PC account (art. 25) are converted in proportion to the partial old-age benefit according to Art. 39. The residual shares of old age and of having it on the PC account continue to be managed. The residual insured gain is calculated in accordance with the provisions in force for part-time activities (Art. 21). 2

4 If, at the end of the working reports, an insured person is entitled to a partial old-age pension and has not yet reached the age of 70, s. 37, para. 3 and 4 shall apply mutatis mutandis. The maintenance of foresight according to art is reserved. 18 C . 3


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
3 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 39 Old Age Annuity

1 Subject to Art. 40, the old-age benefit is paid in the form of an annuity.

2 The amount of the annual old-age pension corresponds to the amount of the old-age pension available in accordance with art. 36, at the time of retirement, to which a possible originating from the PC account (Art. 25), multiplied by the conversion rate, according to Annex 4, fixed by age at the time of retirement.

3 The conversion rate is calculated to the nearest month.

Art. 40 Capital withdrawal

1 At the time of retirement, the insured person may take in the form of a single capital benefit up to 50 % of the amount of the old age referred to in s. 36, and a possible PC account (s. 25). If the announcement of the capital deduction is less than three months before retirement, the administrative costs prescribed by the emoluments regulation will be charged to the insured person. The payment of the capital benefit is made after the recovery of the contribution to the administrative costs.

2 If, at the time of retirement, the insured person wishes to take more than 50 % of the amount referred to in para. 1, the notice of withdrawal of this capital allowance must be sent to PUBLICA in writing, not later than one year before retirement. The maximum amount of the benefit in the form of capital is 100 % of the amount referred to in para. 1 available at retirement. The application for a payment of the capital benefit is revocable up to one year before retirement. 1

2bis If the work reports of an insured person who can take a capital benefit are, without the employer's fault, terminated by the employer, that person may, until retirement, announce a capital withdrawal or amend a Only once the announcement has been made. L' al. 1 shall apply mutatis mutandis to the payment of administrative costs. 2

3 For insured persons married, the withdrawal in the form of a capital benefit requires the written and authenticated consent of the spouse. Instead of authenticating the signature, the spouse has the opportunity to personally travel to PUBLICA to sign the consent declaration upon presentation of an official identification document.

4 The old-age pension and the other insured benefits provided, with the exception of the transitional pension, are reduced on the basis of the capital taken.

5 If the insured person has made a repurchase (s. 32, 32 A , 32 B , 32 C And 33), the resulting benefits cannot be collected in the form of capital within three years of payment. In accordance with Art. 22 C LFLP, redemorals following a divorce are not affected by this restriction. 3


1 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).
2 Introduced by ch. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).
3 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. Right to an annuity for a child of a beneficiary of an old-age pension

1 The beneficiaries of an old-age pension are entitled to a child's pension for any child who, upon their death, would be entitled to an orphan's pension.

2 For children who are still in training and over 18 years of age, a training certificate must be provided on a voluntary basis each year. In the absence of such certification, the payment of the pension for a child of a beneficiary of an old-age pension is suspended.

Art. Amount of the pension for a child of a beneficiary of an old-age pension

The pension for a child of a beneficiary of an old-age pension is one sixth of the old-age pension.

Section 2 Survivors' benefits

Art. 43 Principles

1 A right to survivor benefits exists:

A.
If the deceased person was insured at PUBLICA at the time of death or at the beginning of the incapacity for work whose cause was the cause of death (art. 18, let. A, LPP);
B.
If, as a result of a congenital infirmity, the deceased person had an incapacity for work between 20 % and 40 % at the beginning of the gainful occupation and was insured when the incapacity for work whose cause was the cause of death Has worsened to at least 40 % (art. 18, let. B, LPP);
C.
If the deceased person became disabled before the age of majority (s. 8, para. 2, LPGA) had an inability to work between 20 % and 40 % at the start of the gainful occupation and was insured when the incapacity for work that led to the cause of death has worsened to at least 40 % (art. 18, let. C, LPP); or
D.
If the deceased received, at the time of death, an old age pension or a PUBLICA disability (s. 18, let. D, LPP).

2 A possible foresight still available from the PC account (art. 25) is always paid in the form of a capital benefit to the following persons in the following order:

A.
The surviving spouse;
B.
Children entitled to an orphan's pension;
C.
Persons to whom the deceased person substantially subcame, or to the person who had formed an uninterrupted life community of at least five years before the death, or who is required to provide for the maintenance of one or more of the Common children;
D.
Children who are not entitled to an orphan's pension;
E.
Parents;
F.
Brothers and sisters;
G.
To the legal heirs, excluding the public community.

3 The capital provision shall be divided equally between all entitled persons belonging to the same group of beneficiaries.

Art. 44 Right to the annuity of the individual

1 On the death of an insured person or beneficiary of an old-age or invalidity pension, the surviving spouse is entitled to an individual's pension if:

A.
Must provide maintenance for at least one child;
B.
Reached the age of 40 years and the marriage with the deceased lasted at least two years; or
C.
It collects an entire allowance from the DI or acquires the right to such an annuity within two years after the death of the spouse.

2 A surviving spouse who fails to meet any of the conditions shall be entitled to a single allowance equivalent to three annual annuities of individuals, but at least to the death capital in accordance with s. 50. If a right to the individual's pension arose after the payment of the single allowance, it will be deducted from the individual's pension.

3 The right to an individual's pension arises on the death of the insured person, but at the earliest the day after the day on which the insured person ceases to be entitled to the income arising out of his or her activity or old-age or invalidity pension.

4 The right to an annuity is extinguished in the event of remarriage or death.

5 Concerning the right to an annuity according to para. 1, the divorced spouse is deemed to be the widower or widow in the event of the death of the former spouse on condition that:

A.
That his marriage lasted at least ten years; and
B.
That he had received, under the divorce decree, an annuity or a capital allowance instead of a life annuity.

6 The amount of the individual's pension for the divorced spouse is based on s. 46, para. 3.

7 The divorced spouse is not entitled to the single allowance within the meaning of para. 2.

Art. 45 Right to Partner Annuity

1 In the event of the death of the insured person or beneficiary of an old-age or invalidity pension, the surviving partner is entitled to a partner's pension if he or she does not receive an individual's pension or if he or she does not already receive a partner's pension. Provident institution of 2 E Pillar for another case of foresight and:

A.
Has reached the age of 40 years and has established an uninterrupted life community with at least the insured person for the last five years preceding death; or
B.
Must provide for the maintenance of one or more common children who, in accordance with these Regulations, are entitled to an orphan's pension.

2 The right to partner pension exists only if the free union has been announced to PUBLICA in the form of a partnership agreement. The original partnership contract, signed by both partners, must be deposited from their lifetime to PUBLICA.

3 A free union within the meaning of this provision is a community of life, comparable to marriage, between two persons of a different or same sex who are not related and whose partnership is not registered in the sense of The partnership law. It is also considered to be a free union of a community of life between persons with kinship ties, provided that there is no impediment to marriage.

4 The right to a partner's annuity takes place upon the death of the insured person, but at the earliest the day after the day on which the insured person ceases to be entitled to the income arising out of his or her old age or invalidity pension. The right to benefits must be announced to PUBLICA no later than six months after the death of the insured person.

5 The duration of the free union shall be added to the duration of the subsequent marriage within the meaning of the provisions of Art. 44, para. 1, let. B, on the right to an individual's pension, provided that PUBLICA has the original partnership agreement signed by the two partners and that this contract has been awarded to him by the two partners.

6 The control of entitlement to benefits shall be carried out only after the announcement of the death of the insured person. Upon request from PUBLICA, the surviving partner is required to provide all necessary information, including:

A.
The certificate of the municipality of the place of residence confirming the existence of a common place of residence during the five years preceding the death of the insured person or the proof that the partners worked together during the five years preceding the date of the Death of insured person;
B.
Confirmation of the civil status of the two partners;
C.
Information on common children;
D.
Other documents such as divorce judgment or annuity decisions.

7 The right to an annuity is extinguished:

A.
In the case of a marriage or the conclusion of a partnership within the meaning of this Article or upon the death of the surviving partner;
B.
If the surviving partner is entitled to an individual's pension following the death of the divorced spouse.

8 If doubts arise during the verification of the conditions of law, in particular if several persons assert rights in accordance with Art. 49 (death capital), PUBLICA must stay the grant of its benefits until the conditions of law are fully clarified. No interest is payable on deferred benefits.

Art. Amount of Partner Annuity and Annuity

1 The annual amount of the individual's pension as well as the partner's annuity is:

A.
On the death of an insured person under the age of 65: two-thirds of the insured person's disability pension;
B.
On the death of a person for the benefit of an old-age or invalidity pension: two thirds of the current old-age pension or the insured invalidity pension;
C.
On the death of an insured person over 65 years of age: two-thirds of the old-age pension acquired by the insured person at the time of death and calculated on the basis of the old-age pension in accordance with art. 36.

2 If the insured person was more than 15 years older than the surviving spouse or partner, if the duration of the marriage or partnership was less than 5 years and the survivor is not required to provide for the maintenance of one or more Several children, the annuity is reduced by 2 % of the total amount for each full year or started in excess of the 15-year difference between the surviving spouse and the insured person.

3 The annuity of a person referred to in s. 44, para. 5, corresponds to the amount of the individual pension fixed by the LPP (minimum PPL benefit).

4 PUBLICA benefits in accordance with para. 3 will be reduced by the amount which, having regard to the benefits paid by the other insurance companies because of the death of the insured person, in particular the AVS and the DI, exceeds the one agreed under the divorce decree.

Art. Right to an orphan's pension

1 Upon the death of an insured person or a person entitled to an old-age or invalidity pension, his or her children are entitled to an orphan's pension.

2 The right to an orphan's pension arises the day after the day on which the insured person ceases to be entitled to the salary or the enjoyment of the salary or the right to the old-age or invalidity pension.

3 The right to an orphan's pension expires upon the death of the orphan or as soon as the orphan reaches the age of 18. It remains, up to the age of 25 years, in the following cases:

A.
As long as the orphan is learning or studying;
B.
As long as the orphan, disabled at least 70 %, is not yet able to engage in a gainful occupation.

4 For children who are still in training and older than 18 years of age, a training certificate must be provided on a voluntary basis each year. In the absence of this certificate the payment of the orphan's pension is suspended.

5 They are also entitled to an orphan's pension, the children in care and the children of the spouse to whom the insured person has subdue.

Art. 48 Orphan Annuity Amount

1 The amount of an orphan's pension is:

A.
On the death of an insured person under the age of 65: one sixth of the insured invalidity pension;
B.
On the death of a person for the benefit of an old-age or invalidity pension: one sixth of the current old-age pension or the insured invalidity pension;
C.
On the death of an insured person who has reached 65 years of age: one sixth of the old-age pension acquired by the insured person at the time of death and calculated on the basis of the old-age pension in accordance with art. 36.

2 Orphans'and mothers' orphans receive an orphan's double pension.

Art. Right to capital-death

1 In the event of the death of an insured person for whom there is no entitlement to an annuity under s. 44 and 45, PUBLICA pays for death. They are entitled, irrespective of the inheritance law and in the following order:

A.
Natural persons who were substantially supported by the insured person;
B. 1
The person who has trained with the insured person an uninterrupted life community of at least five years immediately before the death or who has to provide for the maintenance of one or more common children, provided that the conditions of the Entitlement to benefits under s. 45, para. 2 and 3;
C.
The children of the insured person;
D.
Parents.

2 Not entitled to benefits, persons who, in accordance with para. 1 let. A and b, receive an individual's pension or a partner's pension from another provident institution.

3 The share capital shall be divided equally between all entitled persons belonging to the same group of beneficiaries.

4 If no person claims a right to benefits in the space of one year after the death of the insured person, the death rate is returned to PUBLICA.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 50 Amount of capital-death

The amount of the capital-death paid to those entitled under s. 49, para. 1, is equal to one half of the old age at the time of the death of the insured person, but at least the amount of two annual annuities of individuals according to s. 46, para. 1, less the present value of an orphan's pension (art. 47 s).

Section 3 Disability benefits

Art. Invalidity

1 ... 1

2 To the right to disability benefits the insured person who:

A.
Is invalid at least 40 % within the meaning of the DI and which was provided to PUBLICA when the incapacity for work of which the cause of disability arose (s. 23, let. A, LPP);
B.
As a result of a congenital infirmity, there was an inability to work between 20 % and 40 % at the beginning of the gainful occupation and was insured when the incapacity for work whose cause caused the invalidity was Aggravated to at least 40 % (art. 23, let. B, LPP); or
C.
Having become invalid by a majority (s. 8, para. 2, LPGA), was therefore an inability to work between 20 % and 40 % at the start of the gainful occupation and was insured when the incapacity for work whose cause caused the disability worsened to reach At least 40 % (art. 23, let. C, LPP).

3 Any loss, total or partial, of the ability of the insured person to perform in his or her occupation or field of activity the work that may reasonably be required of him, if that loss results from an injury to his or her health, shall be deemed to be incapacity for work Physical, mental or psychic. In the case of long-term incapacity for work, the activity which may be required of him may also be subject to another profession or to another field of activity (Art. 6 LPGA).

4 In the case of retirement before the age of 65, the right to an invalidity pension is recognised only when the incapacity for work which caused the invalidity arose before retirement.


1 Repealed by c. I of the D of OP EPF of 24 March 2012, approved by the CF on 15 March 2013, with effect from 1 Er Jan 2013 ( RO 2013 993 ).

Art. 1 Commencement of entitlement and payment of benefits

1 The provisions of the ATIA apply by analogy to the commencement of the right to disability benefits (s. 26, para. 1, LPP).

2 The payment of disability benefits requires a final decision by the DI. It begins after the extinguishment of the person's right to the wages paid by the employer.


1 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. A 1 End of Law

The right of the person receiving an annuity to a disability benefit is extinguished:

A.
On the death of the
B.
To the extent of the recovery of earning capacity, subject to s. 52 B , para. 1 and 2.

1 Introduced by ch. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. B 1 Entitlement to reduce or delete the DI annuity

1 If the DI benefit is reduced or eliminated as a result of the reduction in the disability rate, the beneficiary of an annuity remains insured with the same rights for three years, provided that it has, before the reduction or elimination of the pension AI, participated in new rehabilitation measures, or that his DI rent has been reduced or eliminated as a result of the resumption of a gainful occupation or an increase in the rate of activity (art. 26 A , para. 1, LPP).

2 Insurance and entitlement to benefits are maintained for as long as the person receiving an annuity receives a transitional benefit based on s. 32 ATIA, even if the three-year period referred to in para. 1 has expired (s. 26 A , para. 2, LPP).

3 During the period of maintenance of insurance and entitlement to benefits, the disability pension shall be reduced to the extent of the disability benefit corresponding to the reduced rate of invalidity, provided that the reduction of the Benefits are offset by an additional income earned by the person receiving an annuity (s. 26 A , para. 3, LPP).

4 If an AI pension is reduced or discontinued as a result of a review process under the Act. Has final provisions of the March 18, 2011 amendment of the ATIA, the right to disability benefits is reduced or terminated at the time the DI benefit is reduced or eliminated.


1 Introduced by ch. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. 1 Release of the obligation to pay the savings contributions and the risk premium

As long as the right to invalidity benefits, the disabled person and the employer are released, to a measure equal to the right to the annuity, the payment of the savings contributions under s. 24 and the risk premium under s. 26. The release of the payment of the savings contributions is defined in the meaning of s. 54.


1 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. Old age of an invalid person

1 The old age of the disabled person is distributed in proportion to the right to the pension in an active part and a passive part.

2 The passive part of the old-age entitlement of the insured person is, for the purpose of reinsertion, increased to the annual old-age subsidies to which it would have been entitled had it not become invalid; the gain insured at the time of the The occurrence of incapacitating incapacity for work is crucial. Any amount of compensation awarded up to the beginning of the right to the invalidity pension shall be taken into account.

3 In the case of reintegration, the exit provision corresponds to the share of the old age, established in accordance with para. 2, which becomes active following the termination of the right to the disability pension.

Art. The destination of the PC account (s. 25) in case of disability

1 In the case of partial invalidity, the person entitled may:

A.
To have accumulated it on the PC account (s. 25) to a subsequent increase in the old-age pension (art. 39, para. 2); or
B.
Collect it on the PC account (s. 25) in the form of a single capital allowance based on the right to the partial annuity.

2 In the case of a complete disability, the accumulated disability is paid in the form of a single capital allowance.

3 In the event of death, the person accumulating it is paid in accordance with s. 43, para. 2.

Art. 56 Amount of entitlement to disability pension

The disabled person is entitled to:

A.
A quarter of an annuity for a disability rate within the meaning of the ATIA of at least 40 %;
B.
Half an annuity for a disability rate within the meaning of the ATIA of at least 50 %;
C.
Three-quarters of an annuity for a disability rate within the meaning of the ATIA of at least 60 %;
D.
To a full pension for a disability rate within the meaning of the ATIA of at least 70 %.
Art. 57 Calculation of the disability pension

1 The entire disability pension is calculated on the basis of the conversion rate applicable to the ordinary retirement age AVS (Annex 4). The old age which serves as the basis for this calculation consists of:

A.
Old age according to art. 36 that the insured person has accumulated until the birth of the right to the disability benefit, and
B.
The sum of the old age subsidies according to Art. 24, showing since the birth of the right to the invalidity benefit until the person reaches 65 years of age; the gain insured at the time of the incapacity for work which is the cause of the invalidity is decisive for the Amount of old age subsidies. Account shall be taken of any compensation for the increase granted until the birth of the right to the invalidity pension.
C.
Interest of 2 % from 53 years on contributions according to the let. A and b for the period between the commencement of the disability pension entitlement and the end of the calendar year in which the insured person was 64 years of age.

2 The age for determining the interest rate in the projection calculation according to para. 1 let. C is the difference between the current calendar year and the year of birth of the insured person. Art. 36, para. 4 and 5, applicable.

3 It is not taken into account in the calculation of old age according to para. 1 increases in savings contributions, induced by salary increases, buy-backs paid or the transfer of assets from existing accounts or free-crossing policies. These savings, redems, payments and the paid risk premium on the salary increase are returned.

4 If the right to an invalidity pension arises on leave without pay or partly paid, the last insured gain acquired before the start of the leave is decisive for the calculation of the disability pension.

5 The insured gain and the accumulated old age at the time of death or at the beginning of the incapacity for work of which the cause of death is the cause of death are decisive for the calculation of the survivor's pension referred to in s. 46, para. 1, let. A and art. 48, para. 1, let. A.

Art. Right to an annuity for a child of a disability pension

1 The beneficiary of a disability pension is entitled to a child's pension for each child who, if he or she dies, would be entitled to an orphan's pension.

2 For children over 18 years of age and still in training, a training certificate must be provided on a voluntary basis each year. In the absence of such certification, the payment of the pension for a child of a beneficiary of a disability pension is suspended.

Art. Amount of the annuity for a child of a disability pension

The amount of the pension for a child of a disability pension is one-sixth of the disability pension.

Chapter 7 Transitional ente, occupational invalidity and social plan

Section 1 Transitional transitional

Art. 60 Law

1 The beneficiaries of an old-age pension can claim a right to a transitional pension on the date of their retirement and up to the ordinary age of retirement AVS.

2 No later than 3 months before the receipt of the old-age pension, the insured person must communicate to PUBLICA if he or she wishes to grant a full transitional pension or a half-annuity or if it waives it.

3 The employer and the insured person must reimburse PUBLICA, at the latest at the birth of the right to the pension, their respective participation, as defined by labour law, for the financing of the transitional pension sought.

4 The insured person shall communicate to PUBLICA, not later than three months before collecting the transitional pension, his decision on the method of financing of the transitional pension, which must be carried out according to one of the following principles of calculation: 1

A.
By an immediate and lifetime reduction of the old-age pension to which it is entitled according to Art. 39 (annex 5, tabl. 1); or
B.
By an applicable reduction as soon as it reaches the AVS age and lifetime of the old-age pension and the related benefits to which it is entitled under s. 39 (Annex 6, c. I, tabl.); or
C.
By a redemption of the reduction (Schedule 5, tabl. 2).

4bis If the insured person communicates to PUBLICA his decision on funding less than three months before the collection of the transitional pension, the administrative costs laid down in the regulation on emoluments are charged to him. 2

5 If the person receiving the old-age pension had opted for funding under para. 4 let. B and dies before attaining AVS age, survivor benefits will be reduced by an actuarial rate (Schedule 6, c. II).

6 A person who collects his or her old-age pension in the form of capital may apply for a transitional pension only after he has made the purchase of the reduction under para. 4, let. C.


1 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).
2 Introduced by ch. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. 61 Amount of the transitional annuity

1 The transitional annuity is either the full maximum benefit of the DSA or the ADL half-annuity, weighted according to the average occupancy rate of the insured person.

2 The employer communicates to PUBLICA the average person's occupancy rate 3 months prior to retirement.

Section 2 Disability benefit

S. 62 Law

1 The insured persons are entitled to a vocational invalidity benefit:

A.
Have reached the age of 50 years;
B.
For which a binding decision was made by the CEW stating that they are not entitled to DI benefits or are entitled only to a partial AI annuity; and
C.
For which the reintegration measures have not yielded any results, provided that the fault cannot be attributed to them.

2 There is an entire occupational disability when, for health reasons, an insured person is no longer able to carry on his or her current activity or another reasonably proposed activity and the IA has denied him a right to an AI pension.

3 A partial occupational disability is declared when, for health reasons, an insured person:

A.
Is no longer capable of carrying out its current activity or any other reasonably proposed activity and that the DI gives it a right to a partial AI annuity; or
B.
May exercise only in part its current activity or any other reasonably proposed activity and the DI has refused the grant of an DI pension, or grants it a partial pension with a rate below the rate of invalidity Professional within the meaning of s. 63, para. 6.

4 The existence of a professional invalidity shall be determined by the medical service in accordance with Art. 47 OPers-EPF at the employer's request.

5 The medical service shall decide on the date of the occurrence of a complete or partial occupational disability. Its decision is decisive for the birth of the right to benefits arising from a professional disability.

6 The right to an occupational disability pension shall lapse upon the death of the insured person and, in all cases, to the extent that the insured person is entitled to an annuity from the DI or if, after examination, the medical service finds that the occupational disability is not Remain more.

7 The right to the DI substitution pension shall be extinguished on the death of the beneficiary of an annuity but in all cases to the extent that the person is entitled to an annuity from the DI or AVS, or to the extent that, after examination, the medical service finds that Occupational disability no longer exists. If the DI pays retroactive annuities, overpaid AI substitution annuities (s. 63, para. 1, let. (b) shall be reimbursed to PUBLICA.

8 A person who is a beneficiary of a disability pension is entitled to a child's pension for each child who, if he or she dies, would be entitled to an orphan's pension (art. 47). The right to a child's pension is born at the same time as the right to an occupational disability pension. It is extinguished with the termination of the right to an occupational disability pension or if the conditions referred to in s. 47, para. 3 are no longer satisfied. Art. 47, para. 4, is also applicable for children's annuities for persons with occupational disabilities.

9 Art. 53 and 54 shall apply mutatis mutandis to the right to the payment of contributions and the premium according to the rate of professional invalidity (art. 63, para. 6) and the constitution of the old age of the disabled person.

10 The employer pays PUBLICA the mathematical reserve necessary for the financing of benefits in the case of occupational disability.

S. 63 Nature and amount of occupational disability benefits

1 The occupational disability benefits consist of:

A.
An occupational disability pension;
B.
An AI substitution annuity.

2 The annual total disability pension is equal to the annual total disability pension within the meaning of Art 56.

3 The annual DI substitution annuity corresponds to the full AVS maximum pension, weighted according to the average occupancy rate. The employer communicates the average occupancy rate to PUBLICA.

4 The amount of the full pension for a person in a professional disability is one sixth of the amount of the entire occupational disability pension.

5 The right to occupational disability benefits is based on the occupational disability rate.

6 The occupational disability rate corresponds to the percentage difference between the gain before and the gain after the occurrence of the health disorder and after the implementation of all medical or occupational measures for the purpose of Reintegration of the insured person. A possible partial pension granted by the CEW is taken into account.

Section 3 Social benefits

Art. 64

If the employer terminates the employment contract of an insured person over the age of 58, without the latter's fault, the insured person is entitled to an old-age pension and a transitional pension financed by the employer. Pursuant to s. 61. The amount of the old-age pension is calculated according to Art. 63, para. 2. Art. 62, para. 10, is applicable by analogy to the financing of the old-age pension and the transitional pension.

Chapter 8 Common provisions on benefits

Art. Limitation of entitlement to benefits

1 No person shall be entitled to claim a right to benefits beyond those provided for in this Regulation. In particular, there is no right to the non-linked funds of the Provident Fund in the field of FIF or PUBLICA. The provisions relating to partial liquidation shall be reserved.

2 If some of the recipients leave the Provident Fund in the field of EPF (Art. 32 F LPers), the procedure and the rights of insured persons and beneficiaries of annuities are based on the legal provisions and the settlement of partial liquidation.

Art. 66 Grant of benefits in the form of capital

1 In place of an annuity, PUBLICA systematically allocates a capital allowance calculated according to its actuarial principles if:

A.
The old-age pension is less than 10 % or if the child's pension is less than 2 % of the minimum old-age pension under s. 34 WASHERS;
B.
The individual's pension, or the partner's pension is less than 6 % or if the orphan's pension is less than 2 % of the minimum old-age pension under s. 34 WASHERS;
C.
If the disability pension or the occupational disability pension is less than 10 % or if the pension for a child of a beneficiary of a disability pension is less than 2 % of the minimum old-age pension under s. 34 WASHERS.

2 The payment in the form of capital shall cancel any other claim by the insured person or his survivors to PUBLICA, in particular to any adjustments to the price changes, imposed by law or volunteers and the annuities for children of Beneficiaries of old-age or invalidity pension.

Art. 67 Benefits in relation to statutory benefits

If the benefits calculated in accordance with this Regulation are lower than those for which the person entitled to compulsory insurance is entitled under the LPP, the benefits under the LPP are granted.

Art. 68 Benefits after the PUBLICA release

1 If PUBLICA remains competent for a case of foresight after the person concerned has been removed from the Provident Fund, the benefits shall be governed by the regulations which were in force at the birth of the right to benefit.

2 In the event of a change in the conditions for the granting of benefits after they have been granted for the first time, the right to benefits shall be reviewed on the basis of the provisions in force at the time of the new examination.

Art. 69 Obligation of PUBLICA to Pay Prior Benefit

If PUBLICA, as the last provident institution of the insured person, is required to pay the prior benefit because the institution to provide the benefits is not yet known (art. 26, para. 4, LPP), the right is limited to the granting of the minimum benefit under the LPP. If it is later found that PUBLICA is not liable for the benefit, the advanced benefit, including interest, must be reimbursed by the institution liable to pay the benefit.

Art. Payment of benefits

1 PUBLICA benefits are credited to the bank or postal account designated by the beneficiary. Transfers are made on a single account. If a fee arises from the payment of the benefit to an account outside Canada, they may be charged to the insured person. The transfer is always made in Swiss francs.

2 Recurring PUBLICA benefits are paid in the first 10 days of each month.

3 Benefits in the form of capital are paid within 30 days of the date of entitlement to the benefit.

4 A full monthly benefit is paid for the month in which entitlement to the benefit arises or is extinguished.

Art. Benefit Rectification

1 If it subsequently appears that an error has been made in the calculation of a benefit, PUBLICA will correct the error.

2 If PUBLICA has paid too low annuities, it shall promptly make the supplementary payment due to the correction, without interest. If PUBLICA is retained, it pays for moratoria interests in accordance with Schedule 1. 1


1 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).

Art. 72 Reimbursement of benefits unduly received

1 Any person who accepts a benefit unduly paid by PUBLICA must repay the benefit, including interest (Schedule 1).

2 PUBLICA may decide to partially or totally renounce the reimbursement of benefits in the presence of cases of rigor or for reasons of administrative economy. The Board of the caisse defines the terms and conditions in a Regulation on cases of thoroughness.

Art. Limitation period

1 The requirement for entitlement to benefits is regulated in accordance with s. 41 LP.

2 The requirement of the right to claim the return of benefits shall be settled in accordance with Art. 35 A LPP.

S. 74 Certificate of Life

1 PUBLICA may make the payment of the annuity dependent on the presentation of a life certificate.

2 Beneficiaries domiciled abroad receive a corresponding form each year. If the payment is not duly completed and returned to PUBLICA within the prescribed time limit, the payment of the annuity will be suspended without further warning.

Art. 75 Adaptation of annuities to price developments

Old-age, survivors and invalidity pensions are adapted to the evolution of prices to the extent of the financial possibilities of the FIF Provident Fund. The Joint Body shall decide each year whether and to what extent annuities must be adapted. The decision is commented on in the annual report.

Art. 76 Reduction, Removal, Refusal of Risk Benefits

1 If the AVS/AI reduces, withdraws or refuses benefits because the death or disability of the right has been caused by a serious fault or because the person has the right to object to an DI rehabilitation measure, PUBLICA may reduce his/her benefits in The same proportion.

2 In the presence of cases of thoroughness, PUBLICA may waive, in whole or in part, the reduction of benefits. The Board of the caisse defines the terms and conditions in a Regulation on cases of thoroughness.

Art. 77 Overpayment

1 The survivor and invalidity benefits of PUBLICA are reduced to the extent that, together with other income to be taken into account, of the same nature and pursuing the same purpose, they exceed 100 % of the gain that can be presumed to be the person Interested is private. 1

2 The following are considered income to be taken into account by para. 1:

A.
The benefits of the AVS and the AIs;
B.
The benefits of the AM;
C.
AA; benefits;
D.
Swiss or foreign social insurance benefits;
E.
Occupational pension benefits;
F.
Private insurance benefits, of which at least half of the premiums were paid by the employer;
G. 2
Income from a gainful occupation or substitute income that continues to be collected or reasonably available to beneficiaries of disability benefits, with the exception of the additional income earned during The performance of rehab measures within the meaning of s. 8 A LAI.

3 After the pensionable age of the AVS (age AVS), old-age benefits from social insurance and from Swiss or foreign welfare institutions are also considered as income to be taken into account. PUBLICA reduces its benefits to the extent that, in addition to the other income to be taken into account, they exceed 100 % of the annual gain which can be presumed to be private immediately before the age of AVS. The adjustment of this amount to the increase between the age of AVS and the time of the calculation is governed by analogy by the order of 16 September 1987 on the adjustment of the pensions of survivors and invalidity in progress to the development of prices 3 . 4

4 The private insurance benefits for which the insured person took on the payment of the premiums, the allowances for impotents, the allowances, the compensation of the moral damage and the similar benefits are not considered to be Income to be considered.

5 The survivor benefits paid by PUBLICA and the additional income to be considered within the meaning of para. 2 or 3. Any benefits paid in the form of a single capital allowance shall be converted to equivalent actuarial value annuities. The reduction is applied proportionally on each annuity. 5

6 The unpaid share of insurance benefits in the event of overcompensation falls to the Provident Fund in the FIF domain.

7 If the AA, the DA or the AVS/AI refuses or reduces benefits because the insurance case has been caused by serious or intentional negligence of the insured person, it is the full insurance benefits under the LAA, the AML or the LAVS/LAI Which will be taken into account in the calculation of PUBLICA benefits.

8 In cases of thoroughness, PUBLICA can give up all or part of the reduction in benefits. The Board of the caisse defines the terms and conditions in a Regulation on cases of thoroughness.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).
3 RS 831.426.3
4 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
5 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

S. 78 Right of appeal against responsible third party

As soon as the harmful event occurs, PUBLICA is subrogated to the rights of the insured person, its survivors and other beneficiaries under s. 49 against any third party responsible for the insurance case.

Art. Voluntary benefits for thoroughness

1 In the presence of special cases of rigour and on reasoned request, the Commission of the Fund may allocate to insured persons and to beneficiaries of annuities, benefits which are not provided for in this Regulation but which are in conformity with the PUBLICA foresight.

2 The rules concerning the determination of the case of thoroughness, the amount and duration of benefits shall be governed by the Regulation on cases of thoroughness adopted by the Commission of the Fund.

Chapter 9 Output benefits

Art. 80 Right in case of termination of employment contract before 1 Er January following 21 E Anniversary of the insured person

If the work reports cease before January 1 of the year following the insured person's 21st birthday, no outflow benefit is due, unless an exit benefit has been paid upon admission to PUBLICA. In this case, the insured person is entitled to the outflow benefit, including interest (Schedule 1).

Art. Right in case of complete termination of employment contract before age 60

1 The insured person whose employment reports cease completely before it reaches the age of 60 years is entitled to an exit, provided that no cases of foresight have occurred.

2 For persons insured in partial invalidity the right to an exit is limited to the active part of the insurance.

Art. Maintenance of foresight in another form

1 If the insured person enters into a new work report before the age of 60, his or her exit allowance shall be paid to the institution of foresight of his new employer.

2 As soon as PUBLICA became aware of the exit of an insured person, she invited him to communicate all the information relevant to the transfer of the exit provision.

3 If the insured person has not concluded a new work report, PUBLICA informs him of the possibilities of maintaining the foresight and asks for the relevant information. The insured person is required to communicate to PUBLICA in what form of eligible form it intends to maintain the cover of foresight (open-pass police or free-passage account). The exit provision may be transferred to a maximum of two free-crossing institutions.

4 In the absence of communication from the insured person, PUBLICA shall pay the benefit to the alternate institution, as soon as six months and at the latest after two years.

5 Compensation for the delivery of an exit is governed by s. 2, para. 3 and 4, LFLP (Annex 1).

6 If an insured person reduces his/her occupancy rate and there are no cases of foresight, all of the accumulated old age up to the date of reduction remains in PUBLICA. However, if the insured person enters into a new work report, within three months of the reduction in the activity rate, the insured person may request in writing the transfer of the old-age pension corresponding to that reduction to the institution of Foresight of new employer.

Art. 83 Cash Payment

1 The insured person may require payment in cash of the outputing benefit:

A.
When it permanently leaves Switzerland and does not establish itself in the Principality of Liechtenstein; para. 4 is reserved;
B.
When it is established on its account and is no longer subject to compulsory occupational foresight; or
C.
When the amount of the outflow benefit is less than the annual amount of contributions it has paid.

2 The insured person must provide the proof of payment in cash. In particular, it is required to produce:

A.
A certificate from the Control of Residents in the case of the final departure of Switzerland;
B.
An attestation from the AVS Clearing Fund in the event of an independent activity.

3 In case of doubt, PUBLICA may request other documents.

4 If the insured person transfers his domicile to one of the Member States of the European Union, in Iceland or in Norway, and if the insured person is subject to compulsory insurance for the risks of old age, death and disability in one of those countries, the insured person cannot Not to require payment in cash of old age, as defined in Art. 15 LPP, acquired until its release from PUBLICA.

5 If the insured person moves his domicile in the Principality of Liechtenstein and establishes himself in the Principality of Liechtenstein, the insured person may not require the payment in cash of the old age to competition from the old age acquired until his exit from the PUBLICA in accordance with art. 15 LP.

6 For insured persons married, the cash payment of the exit provision requires the written and authenticated consent of the spouse. Instead of authenticating the signature, the spouse has the opportunity to personally visit PUBLICA, with an official identification document, to sign the consent declaration.

7 If, in the last three years preceding the cash payment, the insured person has made a buyback to improve his insurance coverage, any legal restrictions on the payment are reserved.

Art. 84 Right at the time of total or partial termination of employment reports after the age of 60 1

1 If the employment reports of an insured person over 60 years of age and under 65 years of age cease completely or partially for a reason other than death or disability (art. 37, para. 3 and art. 38, para. 4), it may choose to:

A.
The transfer of the exit provision to the provident institution of the new employer; or
A Bis . 2
The transfer of the outflow benefit to an institution of free passage, whether it has been announced to or on account of unemployment insurance, or
B.
The collection of old-age benefits.

2 Insured persons who have reached the age of 65 cannot request the transfer of the exit provision according to para. 1, let. A, that, if according to the regulations of the provident institution of their new employer, they are admitted into insurance and maintain their foresight in accordance with art. 33 B LPP. 3


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 Introduced by c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
3 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 84 A 1 Right in case of reduction in the determining annual salary after age 60

If, after the age of 60, the determining annual salary of an insured person decreases for a reason other than disability, that person may, in addition to the opportunities set out in s. 84, choose between:

A.
Retain from PUBLICA the old age accumulated up to that date;
B.
Maintain its foresight under s. 18 C .

1 Introduced by the Annex to the D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).

Art. 85 Calculation

1 The exit provision is calculated according to the art. 15 LFLP (the right of the person insured in the primacy of contributions). It corresponds to the sum of the old age assets acquired under Art. 36 at the time of termination of employment reports and of a possible having on the PC account (Art. 25). In all cases, the insured person is entitled to at least the provision of exit within the meaning of s. 17 LFLP or Old Age Benefit in accordance with s. 15 LPP if the LPP exceeds the amount of the output under s. 17 LFLP.

2 The minimum amount within the meaning of s. 17 LFLP, net of advance payments for the acquisition of ownership of the housing, income derived from the realization of the pledge of foresight and transfers following divorce, consists of the sum of:

A.
The exit benefits provided by the insured person and the purchases made, including interest;
B.
Savings contributions (s. 24 and 25) paid by the insured person during the contribution period, including interest, plus 4 % by year of age after 20 E Year, up to 100 %;
C.
Any purchases made by the employer within the meaning of s. 87, including interest.

2bis 1 If the insured person has not yet paid the full amount of the redemption amount, the amount still owed is deducted from the provision of exit under para. 1.

3 The rate of interest for remuneration according to para. 2 is based on the LFLP. During a short period, it can be reduced to the level of the rate applied to old age assets. 2

4 Any contributions that may be used to remove an overdraft (s. 34) are not taken into account in the provision of exit (Art. 17, para. 2, let. F, LFLP). 3

5 The increase of 4 % by year of age after 20 E Year, provided for in para. 2, let. B, does not apply to contributions made by the person on leave without pay under s. 18 A Or in the case of maintenance of foresight according to Art. 18 C (art. 17, para. 6, LFLP). 4


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
3 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
4 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 86 Rectification of exit benefits

If PUBLICA paid an out-of-the-off benefit, the interest in the ex-post paid benefit is the rate set out in Art. 7 PLO (Annex 1).

Art. Employer's participation in buyback

1 If the employer has participated in the redemption of an insured person, the amount paid shall be deducted from the provision of the exit.

2 Each year of contributions flowing after the payment of the employer's contribution reduces this deduction by one-tenth of the amount paid by the employer. The unused portion is paid to the employer's contribution reserve account.

Art. Information in case of free passage

In the event of free passage, PUBLICA addresses the insured person, as well as the new institution of foresight, to the institution of free passage or to the back-up institution, the following information:

A.
The amount of the old age referred to in s. 36;
B.
The minimum amount referred to in s. 85, para. 2 (art. 17, LFLP);
C.
The amount of the old age referred to in s. 15, LPP;
D.
Amounts paid as part of the incentive for the ownership of the accommodation referred to in s. 91 ff;
E.
Information relating to the provision of pre-need benefits within the meaning of Art. 91 and 94;
F.
Where applicable, the amount of the old age accumulated at the age of 50 years, respectively, the amount accumulated in 1 Er January 1995;
G.
Where applicable, the amount of the old age accumulated on the date of the marriage, respectively, the amount accumulated in 1 Er January 1995;
H.
Where applicable, the share of the exit benefit transferred in connection with the divorce.
Art. 89 Maintenance of foresight in particular cases

If the insured person passes from the Provident Fund of the domain of FIF to another Provident Fund of PUBLICA, PUBLICA establishes in all cases a count as in a case of free passage.

Art. Restitution to PUBLICA of the provision of exit; compensation

1 If PUBLICA is to pay survivor or invalidity benefits after the transfer of the exit provision to the new institution of foresight or to an institution of free passage, the exit provision, including interest, must be Reimbursed to PUBLICA up to the amount necessary for the payment of survivor or invalidity benefits.

2 If the provision of the exit has been paid to an invalid person or to his survivors, the amount of the invalidity or survivors' benefits shall be determined on the basis of the amount of the return allowance paid.

Chapter 10 Encouraging the ownership of housing

Art. 91 Pre-payment and pledge

1 Prior to the birth of the right to benefits, the insured person may ask PUBLICA for an advance payment of his benefits or the pledging of his entitlement to benefits, up to the amount of his or her output, for the financing of the Ownership of housing for its own needs within the meaning of s. 1 to 4 OEPL.

2 PUBLICA may collect administrative fees for amounts granted as an advance payment and a pledge in connection with the promotion of housing ownership. These fees are set out in the Fees Regulation. Upon request, the insured person will be informed of the amount.

Art. 92 Early Payment

1 Requests for advance payments in order to finance accommodation for their own needs are processed chronologically according to the date of receipt.

2 The minimum amount of the advance payment is 20 000 francs. This minimum amount does not apply to the acquisition of social shares of co-operative housing or other similar forms of participation.

3 An advance payment may be requested every five years, the last one at the latest at the age of 62. If, before being admitted to PUBLICA, the insured person has applied for an advance payment to another institution of foresight, the preceding years must be taken into account within that period. 1

4 Up to the age of 50, the insured person may apply for an amount up to the amount of the exit allowance.

5 Beyond 50 years, the insured person is entitled to the maximum of the following amounts:

A.
The amount of the exit provision which it had at its disposal at the age of 50 years, increased the repayments made successively and decreased the advance payments or the proceeds of the wages for the property of the dwelling after the age of 50 Years;
B.
One-half of the difference between the outflow benefit accrued on the date of the advance payment and the free-transit provision already invested on that date for the ownership of the unit.

6 For insured persons married, the advance payment requires the written consent of the spouse. PUBLICA may require signature authentication. Instead of authenticating the signature, the spouse has the opportunity to personally travel to PUBLICA to sign the consent declaration upon presentation of an official identification document.

7 Moreover, the legal provisions relating to the federal law on the promotion of housing by means of occupational foresight apply.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 93 Refund

1 The amount collected in advance shall be refunded if:

A.
The property is sold;
B.
The economically equivalent rights to a disposition are granted on the property; or
C.
No provision of foresight is payable in the event of death of the insured person.

2 The amount collected in advance may be refunded:

A. 1
Up to the age of 62;
B.
Up to the occurrence of another case of foresight; or
C.
Until the cash payment of the free passage benefit.

3 If the insured person reimburses the advance payment, the corresponding amount is credited, on the date of value of the repayment, to old age within the meaning of s. 36, para. 2, let. E. The minimum deposit per refund is 20 000 francs. If the advance payment due is less than the minimum deposit amount, the refund must be paid at one time.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 94 Pager

1 The pledge must be announced in writing to PUBLICA.

2 The maximum amount that can be pledged is the maximum amount that can be the subject of an advance payment.

3 The secured creditor's written consent is required to affect the pledged amount:

A.
Cash payment of the delivery of the exit;
B.
Payment of the provision of foresight;
C.
The transfer, following a divorce, of part of the exit provision to the insured person's spouse's provident institution.

4 If the gaining creditor refuses to give consent, PUBLICA must put the amount in security.

5 If the insured person changes foresight institution, PUBLICA must indicate to the secured creditor to whom the benefit is transferred and to which amount.

6 Moreover, the legal provisions relating to the federal law on the promotion of housing by means of occupational foresight apply.

Art. 95 Documents to be provided

If an insured person wishes to make use of the advance payment or pledge, they must submit to PUBLICA the contractual documents relating to the acquisition or construction of the housing or the amortization of the mortgage loans, the Regulation, or even the lease or loan agreement, in the case of acquisition of shares in housing cooperatives and the corresponding acts for similar interests.

Art. 96 Payment

1 PUBLICA pays the amount of the advance payment no later than six months after the insured person has claimed his right to payment.

2 PUBLICA pays the amount of the advance payment upon production of the required supporting documents and with the agreement of the insured person, directly to the seller, the contractor, the lender or the rights holders under s. 1, para. 1, let. B OEPL.

3 L' al. 2 shall apply by analogy in the case of payment to be made on account of the realization of the pledge of old age.

4 If payment of the amount is not possible or may not be required within the six-month period due to liquidity problems, PUBLICA establishes a priority order that it communicates to the supervisory authority.

Art. 97 Calculation of entitlement to remaining benefits

1 In the event of payment of an advance payment or the realization of the pledge, the old age shall be reduced by the amount of the payment concerned or the pledge made and the insured benefits shall be reduced proportionally. Old age according to the LPP is also reduced to the same extent.

2 In order to avoid a gap in foresight by a reduction in benefits in the event of death or disability, PUBLICA informs the insured person of the possibility of concluding a risk insurance with a private insurance company.

Chapter 11 Divorce

Art. 98 Transfer of part of the exit provision in the event of divorce

The relevant provisions of the CC, the LPP and the LFLP and their implementing provisions shall apply to the sharing and transfer of the exit provision in the event of divorce.

Art. Calculation of the right to the remaining benefits, repurchase

1 The amount of the exit provision, as defined by the Court of First Instance, to be paid to the institution of foresight of the divorced spouse, results in a reduction of the insured benefits.

2 Old age is reduced on the basis of the amount paid. Old age according to the LPP is reduced proportionately.

3 If the Court orders the transfer of part of the provision of exit from the insured person to the institution of the spouse's foresight or imputed to the claims of the right of divorce guaranteeing the foresight, the insured person can redeem The delivery of the transfer as long as there have been no cases of foresight. Remains art. 57, para. 3.

Chapter 12 Channels of law

Art. 100

1 It is for the courts designated by the cantons, pursuant to Art. 73 of the LPP, to adjudicate disputes between PUBLICA, the employer and the rights holders. These authorities are also responsible for the challenges referred to in s. 73, para. 1, let. A to d, LPP.

2 The forum is at the defendant's Swiss home or domicile or in the place of business in which the insured person was engaged.

3 The decisions of the cantonal courts can be referred to the Federal Court by way of appeal (Art. 86, para. 1, let. D, LTF).

Chapter 13 Final provisions

Section 1 Transitional provisions

Art. 101 Transitional provisions for insured persons' savings contributions

1 For insured persons who, at the entry into force of this Regulation,

A.
Had over 45 years of age but had not yet reached the age of 50 years, the reduction in savings contributions amounted to 1 % for seven years;
B.
Had over 50 years of age but had not yet reached the age of 55, the reduction in savings contributions amounted to 2 % for seven years.

2 The employer pays the cost of this relief.

Art. 102 Insurance benefits subject to the old right

1 All annuities, all fixed supplements, as well as transitional annuities and DI substitution annuities, which arose under the former right, are transferred to the same amount. 1

2 The reduction of the old-age pension following the collection of a transitional pension subject to the old right shall be calculated on the basis of the former right (Annex 7).

3 Annuities granted in the event of administrative termination of service reports within the meaning of Art. 32 of the Statutes of the CFA and of Art. 43 of the PSC's statutes are converted to old age pensions of the same amount at the regular age of the DSA. 2

4 For annuities born under the former right and transferred under para. 1, this Regulation shall apply:

A.
The adaptation of annuities to changes in prices (art. 75);
B.
Survivors' annuities born after the entry into force of this Regulation, but relating to benefits subject to the former right (Art. 43 to 48);
C.
At the end of the survivor's right to annuities (s. 44, para. 4, 45, para. 7 and 47, para. 3 and 4);
D.
The collection of possible sewerage contributions (art. 34 and 35);
E.
The calculation of overcompensation (Art. 77):
1.
The death of the person receiving an annuity;
2.
Where the beneficiary of an annuity reaches the ordinary age of the DSA, or
3.
In a recalculation of the entitlement to the AM or SA benefit or other social insurance. 3

1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
3 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 103 Fixed supplement, transitional annuity and DI substitution pension under the old right

1 The right to the fixed supplement and to the transitional pension arising under the old right shall be extinguished:

A.
On death, but no later than when the beneficiary of an annuity reaches the ordinary age of the AVS;
B.
Where the spouse of the beneficiary of an annuity dies, but at the latest when he or she reaches the ordinary age of the SAA or in the event of a divorce, provided that the person receiving the annuity receives a supplement to the Meaning of s. 29, para. 1, paragraph b, c. 3, Statutes of the CFA or Art. 40, para. 1, paragraph b, c. 3, the PSC's statutes; or
C.
Where a right to an AI pension is granted for the first time, or where the right to an AI pension is changed, or where the medical service finds that the degree of occupational disability has decreased or increased, with effect after entry into Of this Regulation.

2 If the right to a fixed supplement is extinguished under para. 1, let. C, the person receiving a disability pension born before 1 Er June 2003 is entitled to an DI substitution pension, calculated in accordance with this Regulation, on the basis of the still existing occupational disability rate. The same applies when the person was not entitled to a fixed supplement and the right to an DI benefit is reduced for the first time, with effect after the entry into force of this Regulation. 1

3 In the event of a reduction in the degree of occupational disability following a decision of invalidity insurance or MedicalService with effect after the entry into force of this Regulation, the amount of the DI substitution pension born under the former right is Reduced in proportion to the reduction in the degree of occupational disability. 2

4 The entitlement to the DI substitution pension that arose under the old right shall be extinguished at death, but at the latest when the beneficiary of an annuity reaches the ordinary age of the AVS.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 104 Transferred Disability Annuities

1 Invalidity annuities that were born before 1 Er June 2003, as well as the PUBLICA occupational disability annuities which arose before the entry into force of this Regulation, are transferred equal to the same amount as occupational disability pensions.

2 Disability annuities arising prior to the entry into force of this Regulation shall be transferred to the same amount as invalidity pensions.

3 For disability or occupational disability pensions according to paras. 1 and 2, this Regulation shall apply to conditions (Art. 62 and 51) and the scope of the right to an annuity (art. 62 and 56). It is also applicable at the beginning (art. 62 and 52) and calculation (art. 63 and 57) of entitlement to benefits resulting from an increase in the degree of invalidity or occupational disability, where such increase takes effect after the entry into force of this Regulation. 1

4 For disability or occupational disability pensions according to paras. 1 and 2, this Regulation shall apply to the end of the right to an annuity (Art. 62, para. 6, and art. 52 A ). 2

5 In the event of a reduction in the right to an invalidity or occupational disability pension according to paras. 1 and 2 following a decision of the Disability Insurance or the MedicalService with effect after the entry into force of this Regulation, the amount of the pension shall be reduced in proportion to the reduction of the right. Where a right to an AI pension is granted for the first time or when the right to an DI annuity is amended for the first time with effect after the entry into force of this Regulation, the amount of the invalidity pension having originated Before 1 Er June 2003 remains unchanged. 3


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of March 24, 2012, approved by the CF on March 15, 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).
3 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 105 1 Reintegration of beneficiaries of a transferred disability pension

In the case of reinsertion with effect after the entry into force of this Regulation of a person receiving a disability pension having been born before 1 Er June 2003 or a professional disability pension PUBLICA or a disability pension PUBLICA having been born before 1 Er July 2008 (art. 104, para. 1 or 2), an exit benefit is calculated according to s. 46 OCFP 1, or according to Art. 27, para. 3, OCFP 2, the day before the entry into force of this Regulation. This amount shall be taken into account in the old age accumulated upon the entry into force of this Regulation, in accordance with Art. 54, para. 2, for the purpose of calculating the output (s. 54, para. 3).


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 106 Reengagement of beneficiaries of a transferred old age pension 1

1 If a person, who collects an old-age pension based on the law in force until 30 June 2008, is rehired within the FIF (Council of EPF, EPFZ, EPFL, PSI, WSL, EMPA, EAWAG) and meets the conditions for admission to the PUBLICA's insurance, it is reassured to PUBLICA. In this case, his right to the annuity ceases to be equal to his insured gain. 2

2 The mathematical reserve still available, calculated on the basis of actuarial principles, is credited at the time of re-engagement as an entry benefit.

3 The s. 1 and 2 also apply to persons whose right to an old-age pension is born after the entry into force of this Regulation and which benefit from the guarantee of the acquis granted to the transitional generation according to Art. 25 of LPUBLICA.


1 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).
2 New content according to the c. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 107 Warranty as per s. 25 of the Act on PUBLICA

1 The guarantee implies that at the birth of the right to the annuity, the employer's and insured person's prescribed savings contributions were paid in full and in proportion to the occupancy rate the day before the entry into force Of this Regulation.

2 The right to guarantee is not taken into account in the calculation of the old age according to Art. 106, para. 3, and becomes null.

3 Redemptions, refunds of pretax deductions for the encouragement of ownership of the dwelling or contributions following a divorce that have been made after the entry into force of this Regulation have no effect on the right to guarantee.

4 The anticipated deductions for the encouragement of the ownership of the housing, income from the realization of the pledge to have foresight and the payments following a divorce, which occur after the entry into force of this Payment, cause an actuarial reduction in the right to the guarantee.

5 If the insured person's old age is reduced for reasons falling under para. 4 and if, prior to retirement, the insured person reimburses or redeems the amounts concerned in full, the insured person finds the original right to the guarantee. Otherwise, the right to the guarantee undergoes an actuarial reduction of the original guarantee in the measure of repayment or non-payment.

Art. 107 A 1 Transitional provisions relating to amendments of 31 March and 10 May 2011

1 The reduction to life from the age of AVS, following the transitional pension collected, of old-age pensions which arose between 1 July 2008 and the entry into force of the amendments of 31 March and 10 May 2011 shall be governed by analogy by Art. 102, para. 2.

2 The reduction of survivor benefits arising after the entry into force of the amendments of March 31 and May 10, 2011, in the event of death before the age AVS of the beneficiary of an old-age pension having arisen between the 1 Er July 2008 and the entry into force of these amendments is governed by Art. 102, para. 4, let. B.


1 Introduced by ch. I of the D of OP EPF of 31 March/10 May 2011, approved by the Council of EPF on 6/7 Jul. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).

Art. 107 B 1 Transitional provisions relating to the amendment of 25 November 2013

1 The reduction to life from the age of AVS, following the transitional pension collected, from old-age pensions having arisen between 1 Er July 2012 and the entry into force of the November 25, 2013 amendment is governed by analogy by art. 102, para. 2.

2 The reduction of survivor benefits born after the entry into force of the amendment of 25 November 2013, in the event of death before the age AVS of the beneficiary of an old-age pension having arisen between 1 Er July 2012 and the entry into force of this amendment, is governed by analogy by Art. 102, para. 4, let. B.


1 Introduced by the Annex to the D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).

Section 2 Entry into force

S. 108 Entry into force

1 These Regulations come into force at the same time as the contract of affiliation.

2 Amendments to the pre-need regulations result in an amendment to the contract of affiliation. To be valid, they require the approval of the partners of the contract of affiliation and of the joint body, as well as the ratification by the Federal Council.

Annex 1 1

(art. 8)

Interest

State in 2013

Article 24, art. 36

Remuneration of old age subsidies and old age assets

1.50 %

Art. 25

Compensation for voluntary savings contributions (PC account)

1.50 %

Art.

Remuneration of old age in the case of leave without pay

1.50 %

Art. 32 C , para. 3, let. B

Interest on pay

4.00 %

Art.

Interest moratorium on payment of arrears of benefits

2.50 %

Art. 72

Interest in case of refund

1.50 %

Interest moratorium in case of refund

2.50 %

Art. 80

Remuneration of exit benefits provided in the event of termination of employment reports before 1 Er January and after 21 E Anniversary of the insured person

1.50 %

Art. 82, art. 85

Compensation for the delivery of exit

1.50 %, + 1 % in case of deferred payment

Art. 85

Remuneration by art. 17 LFLP

1.50 % (subject to s. 85, para. 3)

Art. 86

Subsequent payment of exit benefits

2.50 %

Art.

Interest in case of return of exit

1.50 %

The LPP minimum rate for 2013 is To define.


1 New content according to the c. II of the D of OP EPF of 24 March 2012, approved by the CF on 15 March 2013, in force since 1 Er Jan 2013 ( RO 2013 993 ).


State 1 Er January 2015

Annex 1a 1

(art. 32 C, Al. 3, let. (c)

Risk Premium

The risk premium to amortify the debt in the event of disability or death is 2 % (state in 2015).


1 Introduced by c. II, para. 3, des D de l' OP EPF des 31 mars/10 mai 2011, Approved by the Conseil des EPF les 6/7 juil. 2011 and the CF on October 19. 2011 ( RO 2012 2119 ). New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 (RO) 2014 3407).


State 1 Er January 2015

Annex 2 1

(art. 27, para. 2)

Savings contributions (s. 24) and risk premia (art. 26) Quote from the insured person

A.
Standard plan for the insurance of persons up to the functional level 9 and for persons who are paid by a package:

Age class (contribution class)

Contribution assessment (art. 24) of the insured person (%)

Risk Premium (s. 26) of the insured person (%)

Total

Contribution assessment (art. 24) employer (%)

In addition: employer's risk premium (%)

22-34

4.60

0.75

5.35

8.15

(at least 0.75 %)

35-44

5.85

0.75

6.60

10.40

45-54

8.55

0.75

9.30

15.15

55-70

11.25

0.75

12.00

20.00

B.
Executive Plan 1 for the Insurance of Persons in the Functional Levels 10 to 12:

Age class (contribution class)

Contribution assessment (art. 24) of the insured person (%)

Risk Premium (s. 26) of the insured person (%)

Total

Contribution assessment (art. 24) employer (%)

In addition: employer's risk premium (%)

22-34

4.60

0.75

5.35

8.15

(at least 0.75 %)

35-44

5.85

0.75

6.60

10.40

45-54

9.60

0.75

10.35

17.00

55-70

12.25

0.75

13.00

21.85

C.
Executive Plan 2 for the Insurance of Functional Level Persons 13 and over:

Age class (contribution class)

Contribution assessment (art. 24) of the insured person (%)

Risk Premium (s. 26) of the insured person (%)

Total

Contribution assessment (art. 24) employer (%)

In addition: employer's risk premium (%)

22-34

5.60

0.75

6.35

10.00

(at least 0.75 %)

35-44

6.85

0.75

7.60

12.20

45-54

10.60

0.75

11.35

18.90

55-70

13.35

0.75

14.10

23.70


1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).


State 1 Er January 2015

Annex 3 1

(art. 32)

Buyback Table

Standard (without PC)

Standard (PC 1)

Standard (PC 2)

Frames 1 (without PC)

Frames 1 (PC 1)

Frames 1 (PC 2)

Frames 2 (without PC)

Frames 2 (PC 1)

Frames 2 (PC 2)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

Age

Old. Max. (in % Ga)

22

12.75 %

22

13.75 %

22

14.75 %

22

12.75 %

22

13.75 %

22

14.75 %

22

15.60 %

22

16.60 %

22

17.60 %

23

25.50 %

23

27.50 %

23

29.50 %

23

25.50 %

23

27.50 %

23

29.50 %

23

31.20 %

23

33.20 %

23

35.20 %

24

38.25 %

24

41.25 %

24

44.25 %

24

38.25 %

24

41.25 %

24

44.25 %

24

46.80 %

24

49.80 %

24

52.80 %

25

51.00 %

25

55.00 %

25

59.00 %

25

51.00 %

25

55.00 %

25

59.00 %

25

62.40 %

25

66.40 %

25

70.40 %

26

63.75 %

26

68.75 %

26

73.75 %

26

63.75 %

26

68.75 %

26

73.75 %

26

78.00 %

26

83.00 %

26

88.00 %

27

76.50 %

27

82.50 %

27

88.50 %

27

76.50 %

27

82.50 %

27

88.50 %

27

93.60 %

27

99.60 %

27

105.60 %

28

89.25 %

28

96.25 %

28

103.25 %

28

89.25 %

28

96.25 %

28

103.25 %

28

109.20 %

28

116.20 %

28

123.20 %

29

102.00 %

29

110.00 %

29

118.00 %

29

102.00 %

29

110.00 %

29

118.00 %

29

124.80 %

29

132.80 %

29

140.80 %

30

114.75 %

30

123.75 %

30

132.75 %

30

114.75 %

30

123.75 %

30

132.75 %

30

140.40 %

30

149.40 %

30

158.40 %

31

127.50 %

31

137.50 %

31

147.50 %

31

127.50 %

31

137.50 %

31

147.50 %

31

156.00 %

31

166.00 %

31

176.00 %

32

140.25 %

32

151.25 %

32

162.25 %

32

140.25 %

32

151.25 %

32

162.25 %

32

171.60 %

32

182.60 %

32

193.60 %

33

153.00 %

33

165.00 %

33

177.00 %

33

153.00 %

33

165.00 %

33

177.00 %

33

187.20 %

33

199.20 %

33

211.20 %

34

165.75 %

34

178.75 %

34

191.75 %

34

165.75 %

34

178.75 %

34

191.75 %

34

202.80 %

34

215.80 %

34

228.80 %

35

182.00 %

35

196.00 %

35

210.00 %

35

182.00 %

35

196.00 %

35

210.00 %

35

221.85 %

35

235.85 %

35

249.85 %

36

198.25 %

36

213.25 %

36

228.25 %

36

198.25 %

36

213.25 %

36

228.25 %

36

240.90 %

36

255.90 %

36

270.90 %

37

214.50 %

37

230.50 %

37

246.50 %

37

214.50 %

37

230.50 %

37

246.50 %

37

259.95 %

37

275.95 %

37

291.95 %

38

230.75 %

38

247.75 %

38

264.75 %

38

230.75 %

38

247.75 %

38

264.75 %

38

279.00 %

38

296.00 %

38

313.00 %

39

247.00 %

39

265.00 %

39

283.00 %

39

247.00 %

39

265.00 %

39

283.00 %

39

298.05 %

39

316.05 %

39

334.05 %

40

263.25 %

40

282.25 %

40

301.25 %

40

263.25 %

40

282.25 %

40

301.25 %

40

317.10 %

40

336.10 %

40

355.10 %

41

279.50 %

41

299.50 %

41

319.50 %

41

279.50 %

41

299.50 %

41

319.50 %

41

336.15 %

41

356.15 %

41

376.15 %

42

295.75 %

42

316.75 %

42

337.75 %

42

295.75 %

42

316.75 %

42

337.75 %

42

355.20 %

42

376.20 %

42

397.20 %

43

312.00 %

43

334.00 %

43

356.00 %

43

312.00 %

43

334.00 %

43

356.00 %

43

374.25 %

43

396.25 %

43

418.25 %

44

328.25 %

44

351.25 %

44

374.25 %

44

328.25 %

44

351.25 %

44

374.25 %

44

393.30 %

44

416.30 %

44

439.30 %

45

351.95 %

45

376.95 %

45

401.95 %

45

354.85 %

45

379.85 %

45

404.85 %

45

422.80 %

45

446.80 %

45

470.80 %

46

375.65 %

46

402.65 %

46

429.65 %

46

381.45 %

46

408.45 %

46

435.45 %

46

452.30 %

46

477.30 %

46

502.30 %

47

399.35 %

47

428.35 %

47

457.35 %

47

408.05 %

47

437.05 %

47

466.05 %

47

481.80 %

47

507.80 %

47

533.80 %

48

423.05 %

48

454.05 %

48

485.05 %

48

434.65 %

48

465.65 %

48

496.65 %

48

511.30 %

48

538.30 %

48

565.30 %

49

446.75 %

49

479.75 %

49

512.75 %

49

461.25 %

49

494.25 %

49

527.25 %

49

540.80 %

49

568.80 %

49

596.80 %

50

470.45 %

50

505.45 %

50

540.45 %

50

487.85 %

50

522.85 %

50

557.85 %

50

570.30 %

50

599.30 %

50

628.30 %

51

494.15 %

51

531.15 %

51

568.15 %

51

514.45 %

51

551.45 %

51

588.45 %

51

599.80 %

51

629.80 %

51

659.80 %

52

517.85 %

52

556.85 %

52

595.85 %

52

541.05 %

52

580.05 %

52

619.05 %

52

629.30 %

52

660.30 %

52

691.30 %

53

551.91 %

53

593.69 %

53

635.47 %

53

578.47 %

53

620.25 %

53

662.03 %

53

671.39 %

53

704.01 %

53

736.63 %

54

586.65 %

54

631.26 %

54

675.88 %

54

616.64 %

54

661.26 %

54

705.87 %

54

714.31 %

54

748.59 %

54

782.86 %

55

629.63 %

55

677.14 %

55

724.64 %

55

663.07 %

55

710.58 %

55

758.09 %

55

765.65 %

55

801.61 %

55

837.57 %

56

673.47 %

56

723.93 %

56

774.39 %

56

710.43 %

56

760.89 %

56

811.35 %

56

818.01 %

56

855.69 %

56

893.37 %

57

718.19 %

57

771.66 %

57

825.12 %

57

758.74 %

57

812.21 %

57

865.68 %

57

871.42 %

57

910.85 %

57

950.28 %

58

763.80 %

58

820.34 %

58

876.88 %

58

808.02 %

58

864.55 %

58

921.09 %

58

925.90 %

58

967.12 %

58

1008.34 %

59

810.33 %

59

870.00 %

59

929.66 %

59

858.28 %

59

917.95 %

59

977.61 %

59

981.47 %

59

1024.51 %

59

1067.56 %

60

857.79 %

60

920.65 %

60

983.51 %

60

909.54 %

60

972.40 %

60

1035.27 %

60

1038.15 %

60

1083.05 %

60

1127.96 %

61

906.19 %

61

972.31 %

61

1038.43 %

61

961.84 %

61

1027.95 %

61

1094.07 %

61

1095.96 %

61

1142.76 %

61

1189.57 %

62

955.57 %

62

1025.01 %

62

1094.45 %

62

1015.17 %

62

1084.61 %

62

1154.05 %

62

1154.93 %

62

1203.67 %

62

1252.41 %

63

1005.93 %

63

1078.76 %

63

1151.59 %

63

1069.58 %

63

1142.40 %

63

1215.23 %

63

1215.08 %

63

1265.79 %

63

1316.51 %

64

1057.30 %

64

1133.58 %

64

1209.87 %

64

1125.07 %

64

1201.35 %

64

1277.64 %

64

1276.43 %

64

1329.16 %

64

1381.89 %

65

1109.69 %

65

1189.50 %

65

1269.31 %

65

1181.67 %

65

1261.48 %

65

1341.29 %

65

1339.01 %

65

1393.79 %

65

1448.57 %

Example:

Man, born on 15 May 1980, insured gain = Fr. 50 ' 000.-, insured in the standard plan, without a PC account:

1.
Calculation Date: 1 Er January 2015 Acquired old age Fr. 20,000. - To Age LPP = 35 To Rate = 182.00 % To Max repurchase. = 182.00 % × 50,000-20 000 = Fr. 71 000.-.

1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).


State 1 Er January 2015

Annex 4 1

(art. 39, 46 and 57)

Conversion Rate

Age

Conversion Rate

58

4.80 %

59

4.90 %

60

5.01 %

61

5.12 %

62

5.24 %

63 Male * Female *

5.37 % 5.45 %

64 Men * Women *

5.51 % 5.65 %

65

5.65 %

66

5.82 %

67

5.98 %

68

6.16 %

69

6.35 %

70

6.56 %

* Art. 41 A, Al. 2, LPers


1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).


State 1 Er January 2015

Annex 5 1

(art. 60, para. 4, let. A and c)

Transitional Annuity

Reduction of the monthly old-age pension in the case of the collection of the transitional pension (RT) and the redemption of the reduction-immediate and lifetime reduction

Table 1:

Immediate and lifetime reduction of the old-age pension (art. 60, para. 4, let. (a)

(a) age AVS 65

Month

0

1

2

3

4

5

Age at Enjoyment

60

230.30

227.05

223.75

220.50

217.20

213.95

61

191.05

187.55

184.00

180.50

176.95

173.45

62

148.75

144.95

141.15

137.35

133.55

129.75

63

103.10

99.00

94.85

90.75

86.60

82.50

64

53.65

49.20

44.70

40.25

35.75

31.30

65

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

210.70

207.40

204.15

200.85

197.60

194.30

61

169.90

166.40

162.85

159.35

155.80

152.30

62

125.95

122.10

118.30

114.50

110.70

106.90

63

78.40

74.25

70.15

66.00

61.90

57.75

64

26.85

22.35

17.90

13.40

8.95

4.45

65

0.00

0.00

0.00

0.00

0.00

0.00

(b) AVS age 64

Month

0

1

2

3

4

5

Age at Enjoyment

60

197.35

193.70

190.10

186.45

182.85

179.20

61

153.80

149.85

145.95

142.00

138.10

134.15

62

106.65

102.40

98.15

93.90

89.60

85.35

63

55.55

50.90

46.30

41.65

37.05

32.40

64

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

175.60

171.95

168.30

164.70

161.05

157.45

61

130.25

126.30

122.35

118.45

114.50

110.60

62

81.10

76.85

72.60

68.35

64.05

59.80

63

27.80

23.15

18.50

13.90

9.25

4.65

64

0.00

0.00

0.00

0.00

0.00

0.00

Explanation:

The amounts shown in the tables correspond to the reduction in the annuity per thousand francs of the transitional pension collected, if the person receiving a transitional pension funds the entire transitional pension.

2. If, in accordance with the provisions of the EPF Domain Personnel Ordinance (RS 172.220.113 ), an employer's contribution to the funding is provided, the amounts in the tables must be weighted according to the participation of the insured person.

Example 1:

The transitional pension amounts to 27,840 francs per year (2320 francs per month). She is paid at the age of 60 and up to the age of 65. The employer finances 50 % of its cost.

Calculation Mode:

Amount according to table a or b × part. Employee × (RT monthly/1000) = monthly benefit reduction of the annuity.

A.
Age AVS 65: 230.30 × 0.5 × 2.32 = Fr. 267.15
B.
Age AVS 64: 197.35 × 0.5 × 2.32 = Fr. 228.95

Table 2:

Redemption of the reduction of the monthly old-age pension in the event of immediate and lifetime reduction of the annuity (art. 60, para. 4, let. (c)

Current Value for Redemption of Annuity Reduction

Age

Men

Women

60

20.064

19.099

61

19.646

18.656

62

19.220

18.203

63

18.786

17.741

64

18.344

17.271

65

17.893

16.792

Example 2:

The insured person retirees at age 60 and receives a transitional pension.

The employer participates in the financing of this annuity at a rate of 50 %.

The insured person wishes to avoid the reduction of the old-age pension and to buy it by a single payment.

Calculation Mode:

(factor according to Table 2 × monthly reduction [e.g. 1] × 12) = employee's participation = amount of single payment:

A.
Age AVS 65: 20.064 × 267.15 × 12 = Fr. 64 321.15
B.
Age AVS 64: 19.099 × 228.95 × 12 = Fr. 52 472.60

1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).


State 1 Er January 2015

Annex 6 1

(art. 60, para. 4, let. B, and 5)

Transitional Annuity

Reduction of the monthly old-age pension in the case of the collection of the transitional pension (RT) and the reduction of the reduction applicable to life from the age of AVS

I. Reduction in life from age AVS (art. 60, para. 4, let. (b)

Tables:

(a) age AVS 65

Month

0

1

2

3

4

5

Age at Enjoyment

60

304.70

299.30

293.85

288.45

283.05

277.60

61

239.70

234.45

229.20

223.95

218.70

213.45

62

176.75

171.70

166.60

161.55

156.45

151.40

63

115.85

110.95

106.05

101.15

96.20

91.30

64

56.95

52.20

47.45

42.70

37.95

33.20

65

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

272.20

266.80

261.35

255.95

250.55

245.10

61

208.25

203.00

197.75

192.50

187.25

182.00

62

146.30

141.25

136.15

131.10

126.00

120.95

63

86.40

81.50

76.60

71.70

66.75

61.85

64

28.50

23.75

19.00

14.25

9.50

4.75

65

0.00

0.00

0.00

0.00

0.00

0.00

(b) Age AVS 64

Month

0

1

2

3

4

5

Age at Enjoyment

60

246.95

241.55

236.20

230.80

225.40

220.05

61

182.35

177.15

171.90

166.70

161.45

156.25

62

119.65

114.60

109.55

104.45

99.40

94.35

63

58.90

54.00

49.10

44.20

39.25

34.35

64

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

214.65

209.25

203.90

198.50

193.10

187.75

61

151.00

145.80

140.55

135.35

130.10

124.90

62

89.30

84.20

79.15

74.10

69.05

63.95

63

29.45

24.55

19.65

14.75

9.80

4.90

64

0.00

0.00

0.00

0.00

0.00

0.00

Explanation:

The amounts shown in the tables correspond to the reduction in the annuity per thousand francs of the transitional pension collected, if the person receiving a transitional pension funds the entire transitional pension.

2. If, in accordance with the provisions of the EPF Domain Personnel Ordinance (RS 172.220.113 ), an employer's contribution to the funding is provided, the amounts in the tables must be weighted according to the participation of the insured person.

Example:

The transitional pension amounts to 27,840 francs per year (2320 francs per month). She was paid at the age of 60. The employer finances 50 % of its cost.

Calculation Mode:

Amount according to table a or b × part. Employee × (RT Monthly/1000) = Monthly Annuity Reduction:

A.
Age AVS 65: 304.70 × 0.5 × 2.32 = 353 en. 45
B.
Age AVS 64: 246.95 × 0.5 × 2.32 = 286 en. 45

II. Reduction of survivor annuities (s. 60, para. 5)

Decrease in annual deferred reduction (for the difference between regular AVS and age at death)

Age at Enjoyment

A. Age AVS 65

B. Age AVS 64

60

4.9 %

5.0 %

61

5.1 %

5.2 %

62

5.3 %

5.4 %

63

5.5 %

5.7 %

64

5.8 %

0.0 %

65

0.0 %

Example:

The insured person is retiring at age 60 and is entitled to an old-age pension of 6,000 francs per month. It collects a transitional pension of 2320 francs per month. She died at the age of 63.

A. Calculation/Reduction of Partner Annuity or Annuity of Partner:

The decrease in deferred reduction was 2 × 4.9 % = 9.8 %. The original reduction to 353 fr. 45 is reduced by 34 fr. 65 and thus stands at 318 fr. 80; the reduced old-age pension therefore now stands at 5681 fr. 20. The survivor's pension is equal to two-thirds of the old-age pension reduced to 3787 fr. 45, and that for life.

B. Calculation/reduction of orphan's pension

An orphan's pension is one-sixth of the reduced old age pension, 946 fr. 85.


1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).


State 1 Er January 2015

Annex 7 1

(art. 102, para. 2, 107 A , para. 1, and 107 B , para. 1)

Transitional Annuity

I. Lifetime reduction from the age of AVS to the monthly old-age pension born before 1 Er July 2008, following the transitional pension collected (art. 102, para. 2)

(a) Age AVS 65

Month

0

1

2

3

4

5

Age at Enjoyment

60

196.40

192.80

189.20

185.60

181.95

178.35

61

153.10

149.65

146.25

142.80

139.35

135.95

62

111.90

108.65

105.35

102.10

98.80

95.55

63

72.65

69.55

66.45

63.35

60.20

57.10

64

35.35

32.40

29.45

26.50

23.55

20.60

65

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

174.75

171.15

167.55

163.95

160.30

156.70

61

132.50

129.05

125.65

122.20

118.75

115.35

62

92.30

89.00

85.75

82.45

79.20

75.90

63

54.00

50.90

47.80

44.70

41.55

38.45

64

17.70

14.75

11.80

8.85

5.90

2.95

65

0.00

0.00

0.00

0.00

0.00

0.00

(b) Age AVS 64

Month

0

1

2

3

4

5

Age at Enjoyment

60

149.30

145.95

142.60

139.25

135.90

132.55

61

109.15

105.95

102.80

99.60

96.40

93.20

62

70.90

67.85

64.85

61.80

58.80

55.75

63

34.55

31.65

28.80

25.90

23.05

20.15

64

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

129.25

125.90

122.55

119.20

115.85

112.50

61

90.05

86.85

83.65

80.45

77.30

74.10

62

52.75

49.70

46.65

43.65

40.60

37.60

63

17.30

14.40

11.50

8.65

5.75

2.90

64

0.00

0.00

0.00

0.00

0.00

0.00

Explanation:

The amounts shown in the tables correspond to the reduction in the annuity per thousand francs of a transitional annuity collected under the old right for the financing of half of the transitional annuity by the person receiving the annuity.

Example:

The transitional pension amounts to 26,520 francs per year (2210 francs per month). She was paid at the age of 60.

The monthly reduction in the old-age pension amounts to:

A.
Age AVS 65 (table a): 434 fr. 05
B.
Age AVS 64 (Table b): 329 fr. 95

Calculation Mode:

Factor in Tables a and b × (Monthly RT/1000) = Monthly Annuity Reduction.

A.
Age AVS 65: 196.40 × 2.21 = 434 en. 05
B.
Age AVS 64: 149.30 × 2.21 = 329 eng. 95

II. Reduction in life, from the age of AVS, of the monthly old-age pension born between 1 Er July 2008 and 30 June 2012, following the perceived transitional pension (art. 107 A , para. 1)

Table 1:

(a) age AVS 65

Month

0

1

2

3

4

5

Age at Enjoyment

60

368.20

361.50

354.80

348.15

341.45

334.75

61

287.90

281.50

275.05

268.65

262.20

255.80

62

210.85

204.70

198.60

192.45

186.35

180.20

63

137.30

131.45

125.60

119.75

113.85

108.00

64

67.00

61.40

55.85

50.25

44.65

39.10

65

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

328.05

321.35

314.65

308.00

301.30

294.60

61

249.40

242.95

236.55

230.10

223.70

217.25

62

174.10

167.95

161.80

155.70

149.55

143.45

63

102.15

96.30

90.45

84.60

78.70

72.85

64

33.50

27.90

22.35

16.75

11.15

5.60

65

0.00

0.00

0.00

0.00

0.00

0.00

(b) AVS age 64

Month

0

1

2

3

4

5

Age at Enjoyment

60

280.30

274.05

267.85

261.60

255.35

249.15

61

205.50

199.55

193.55

187.60

181.60

175.65

62

133.85

128.15

122.45

116.75

111.05

105.35

63

65.40

59.95

54.50

49.05

43.60

38.15

64

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

242.90

236.65

230.45

224.20

217.95

211.75

61

169.70

163.70

157.75

151.75

145.80

139.80

62

99.65

93.90

88.20

82.50

76.80

71.10

63

32.70

27.25

21.80

16.35

10.90

5.45

64

0.00

0.00

0.00

0.00

0.00

0.00

Explanation:

The amounts shown in the tables correspond to the reduction in the annuity per thousand francs of the transitional pension collected, if the person receiving a transitional pension funds the entire transitional pension.

2. If, in accordance with the provisions of the EPF Domain Personnel Ordinance (RS 172.220.113 ), an employer's contribution to the funding is provided, the amounts in the tables must be weighted according to the participation of the insured person.

Example:

The transitional pension amounts to 26,520 francs per year (2210 francs per month). She was paid at the age of 60. The employer finances 50 % of its cost.

Calculation Mode:

Amount according to table 1 or 2 × share. Employee × (RT Monthly/1000) = Monthly Annuity Reduction:

A.
Age AVS 65: 368.20 × 0.5 × 2.21 = 406 fr. 85
B.
Age AVS 64: 280.30 × 0.5 × 2.21 = 309 fr. 75

III. Reduction in life, from the age of AVS, of the monthly old-age pension born between 1 Er July 2012 and 31 December 2014, following the perceived transitional pension (art. 107 B , para. 1)

Tables:

(a) age AVS 65

Month

0

1

2

3

4

5

Age at Enjoyment

60

338.25

332.15

326.05

319.95

313.85

307.75

61

265.10

259.25

253.40

247.50

241.65

235.80

62

194.75

189.10

183.50

177.85

172.20

166.60

63

127.15

121.75

116.35

110.95

105.50

100.10

64

62.25

57.05

51.90

46.70

41.50

36.30

65

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

301.70

295.60

289.50

283.40

277.30

271.20

61

229.95

224.05

218.20

212.35

206.50

200.60

62

160.95

155.30

149.70

144.05

138.40

132.80

63

94.70

89.30

83.90

78.50

73.05

67.65

64

31.15

25.95

20.75

15.55

10.40

5.20

65

0.00

0.00

0.00

0.00

0.00

0.00

(b) Age AVS 64

Month

0

1

2

3

4

5

Age at Enjoyment

60

271.95

265.95

259.95

254.00

248.00

242.00

61

200.05

194.30

188.50

182.75

176.95

171.20

62

130.80

125.25

119.70

114.15

108.60

103.05

63

64.15

58.80

53.45

48.10

42.75

37.40

64

0.00

0.00

0.00

0.00

0.00

0.00

Month

6

7

8

9

10

11

Age at Enjoyment

60

236.00

230.00

224.00

218.05

212.05

206.05

61

165.45

159.65

153.90

148.10

142.35

136.55

62

97.50

91.90

86.35

80.80

75.25

69.70

63

32.10

26.75

21.40

16.05

10.70

5.35

64

0.00

0.00

0.00

0.00

0.00

0.00

Explanation:

The amounts shown in the tables correspond to the reduction in the annuity per thousand francs of the transitional pension collected, if the person receiving a transitional pension funds the entire transitional pension.

2. If, in accordance with the provisions of the EPF Domain Personnel Ordinance (RS 172.220.113 ), an employer's contribution to the funding is provided, the amounts in the tables must be weighted according to the participation of the insured person.

Example:

The transitional pension amounts to 27,840 francs per year (2320 francs per month). She was paid at the age of 60. The employer finances 50 % of its cost.

Calculation Mode:

Amount according to table a or b × part. Employee × (RT Monthly/1000) = Monthly Annuity Reduction:

A.
Age AVS 65: 338.25 × 0.5 × 2.32 = 392 fr. 35
B.
Age AVS 64: 271.95 × 0.5 × 2.32 = 315 fr. 45

1 New content according to the Annex to D of OP EPF of 25 Nov 2013, approved by the Council of EPF on 26 September. 2013 and by the CF on 8 Oct. 2014, in force since 1 Er Jan 2015 ( RO 2014 3407 ).


State 1 Er January 2015

Annex 8 1

(art. 5)

Glossary and list of abbreviations

AA

Accident Insurance

AI

Disability Insurance

AM

Military insurance

AVS

Old Age and Survivors Insurance

PC Account

Supplementary Plan (art. 25)

LAI

Federal Act of June 19, 1959 on Disability Insurance, RS 831.20

LAVS

Federal Act of December 20, 1946 on Old Age and Survivor Insurance, RS 831.10

LFLP

Federal Act of 17 December 1993 on the free movement of old age, survivors and invalidity (the Free Passage Act), RS 831.42

LPart

Federal Act of 18 June 2004 on partnership between persons of the same sex (partnership law), RS 211.231

LPers

Act of 24 March 2000 on the personnel of Confederation, RS 172.220.1

LPGA

Federal Act of 6 October 2000 on the general part of the right of social insurance, RS 830.1

LPP

Federal Act of 25 June 1982 on occupational pensions, survivors and invalidity, RS 831.40

OPP 2

Order of 18 April 1984 on occupational pensions, survivors and invalidity, RS 831.441.1

LPUBLICA

Federal Act of 20 December 2006 governing the Federal Pension Fund (Act on PUBLICA), RS 172.222.1 (RO 2007 2239)

LN

Federal Act of 17 June 2005 on the Federal Court, RS 173.110

OCFP 1

Order of 25 April 2001 on insurance in the basic plan of the Federal Pension Fund, RO 2001 2327

OEPL

Order of 3 October 1994 on encouraging the ownership of housing by means of occupational foresight, RS 831.411

OLP

Order of 3 October 1994 on the free passage of old-age pensions, survivors and invalidity (Ordinance on free passage), RS 831.425

OPers-EPF

EPF Board Order of March 15, 2001 on Personnel in the Area of Federal Polytechnic Schools, RS 172.220.113

Insured Person

Active insured person; in other words, no one for whom the case of foresight age, death or disability has not yet arisen

Reintegration

A complete or partial reduction in the rate of disability and thus the right to a disability pension before the age of 65, depending on the rate of return to the gainful occupation. (art. 54)

Annuity

Annuity Annuity

RT

Transitional Annuity

PSC Statutes

Order of 24 August 1994 governing the Federal Pension Fund, RO 1995 533

Present Value

Capital essential for the grant of an orphan's pension and calculated at the time of death of the insured person. (art.49)


1 Update by the c. II, para. 1, des D de l' OP EPF des 31 mars/10 mai 2011, approved par le Conseil des EPF les 6/7 juil. 2011 and the CF on October 19. 2011, effective from 1 Er Jul. 2012 ( RO 2012 2091 ).


State 1 Er January 2015