Key Benefits:
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:
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.
1 This Regulation shall apply to the Provident Fund in the field of EPF (ETHZ employer, EPFL) and to the teachers in the field, in accordance with Art. 1, para. 1 of the FIR Faculty Ordinance, and to the pension recipients of this category of staff.
2 It also applies to full-time members of the EFA Council, the presidents of the schools, the directors of research institutions and the beneficiaries of these categories of staff.
1 For persons engaged under s. 2 and the beneficiaries of an annuity in this category of staff, this Regulation shall act as a contingency plan.
2 In addition to this contingency plan, the insured person may choose between two supplementary contingency plans (Art. 25) for which it will pay higher savings contributions.
The calculation models presented in this Regulation are based on retirement at the age of 65.
The abbreviations used in this Regulation are given in Annex 8.
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.
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 .
Except as provided for in this Regulation, the applicable interest rates shall be fixed each year by the Fund Board. Interest rates are set out in Appendix 1.
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.
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:
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 2119 ).
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.
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.
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.
Employed persons are insured against the risks of old age, death and disability from 1 Er January following the age of 21.
1 PUBLICA may issue medical reserves for the coverage of death and disability risks, to persons pending admission if the under-risk capital is at least one million francs and to 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:
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.
Not allowed in PUBLICA insurance, employed persons
1 Introduced by 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 999 ).
1 Insurance terminates:
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 2119 ).
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 2119 ).
During a period of leave without pay or partly paid, the insured person may, having regard to Article 29 and the provisions on labour law, fully or partially maintain the insurance coverage that it had so far.
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 2119 ).
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 2119 ).
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 2119 ).
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
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 2119 ).
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 2119 ).
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 999 ).
Income from employers who are not in the FIF domain or from an independent activity cannot be insured with PUBLICA.
The insured gain is the determining factor in the calculation of the savings and risk premium.
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 savings contributions are fixed as follows:
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 3429 ).
1 In addition to the savings contributions referred to in s. 24, the insured person can pay for voluntary savings contributions-opting for the supplementary contingency plan 1 or 2.
Age class (Contribution class) |
Compl contingency plan. 1 Voluntary savings rate (%) |
Compl contingency plan. 2 Voluntary Savings Contribution (%) |
22-70 |
1.00 |
2.00 |
2 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
4 The insured person's insured gain is the basis for the definition of the voluntary savings contribution.
5 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 999 ).
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 999 ).
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 3429 ).
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:
5 Art. 28 is reserved.
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 2119 ).
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 2119 ).
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 risk premium, in addition to his own savings contributions and his own 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).
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 2119 ).
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.
The share of the exit allowance transferred in favour of an insured person following a divorce is fully credited to the old age.
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. 2
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 2119 ).
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 2119 ).
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 2119 ).
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 2119 ).
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 2119 ).
1 A redemption after age 65 is possible within the limits set out in s. 32, if the insured person:
2 Are decisive for the calculation of the redemption amount:
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 2119 ).
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:
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:
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 ).
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.
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 of the LPP, of the 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:
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.
1 Individual old age is made up for each insured person.
2 Old age is composed of the following elements:
3 The following are deducted from old age:
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.
5 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 2119 ).
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 ).
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 2119 ).
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 2119 ).
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 2119 ).
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 2119 ).
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 according to age at the time of retirement.
3 The conversion rate is calculated to the nearest month.
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 999 ).
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 999 ).
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 2119 ).
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.
The pension for a child of a beneficiary of an old-age pension is one sixth of the old-age pension.
1 A right to survivor benefits exists:
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:
3 The capital provision shall be divided equally between all entitled persons belonging to the same group of beneficiaries.
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:
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:
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.
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:
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:
7 The right to an annuity is extinguished:
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.
1 The annual amount of the individual's pension, as well as that of the partner's pension, is:
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.
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:
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.
1 The amount of an orphan's pension is:
2 Orphans'and mothers' orphans receive an orphan's double pension.
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:
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 2119 ).
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).
2 To the right to disability benefits the insured person who:
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 999 ).
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 999 ).
The right of the person receiving an annuity to a disability benefit is extinguished:
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 999 ).
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 999 ).
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 999 ).
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 reintegration, an increase in 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.
1 In the case of partial invalidity, the person entitled may
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.
The disabled person is entitled to:
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:
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 is 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.
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.
The amount of the pension for a child of a disability pension is one-sixth of the disability pension.
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
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 999 ).
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 999 ).
1 Are eligible for a disability benefit, insured persons:
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:
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, the DI substitution annuities (s. 63, para. 1, let. (b) overpaid 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 In the case of reintegration, the exit provision corresponds to the share of the old age, constituted in accordance with para. 2, which becomes active following the termination of the right to the disability pension.
10 The employer pays PUBLICA the mathematical reserve necessary for the financing of benefits in the case of occupational disability.
1 The occupational disability benefits consist of:
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 maximum weighted AVS annuity 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.
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.
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.
1 In place of an annuity, PUBLICA systematically allocates a capital allowance calculated according to its actuarial principles if:
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.
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.
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.
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.
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.
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 999 ).
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.
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.
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.
Old-age, survivors and invalidity pensions are adapted to the increase in 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.
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.
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 annual gain which can be presumed to be Interested person is private. 1
2 The following are considered income to be taken into account by para. 1:
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 2119 ).
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 999 ).
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 2119 ).
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 2119 ).
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.
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.
If work reports cease before January 1 of the year following 21 E Anniversary of the insured person, no delivery of exit 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).
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 for partial invalidity, the right to an exit is limited to the active part of the insurance.
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, at the earliest, a period of six months and no later than 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 the New employer. If the employer has participated in the buyback, it requires in writing, within three months of the reduction in the rate of activity, the transfer of the old age corresponding to that reduction. The transfer of this unused portion of the employer is made in accordance with s. 7, para. 2, LFLP (allocation to employer's contribution reserves).
1 The insured person may require payment in cash of the outputing benefit:
2 The insured person must provide the proof of payment in cash. In particular, it is required to produce:
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 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 LFLP.
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.
1 If the work 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:
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 2119 ).
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 2119 ).
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 2119 ).
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:
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 3429 ).
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:
2bis 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. 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 2119 ).
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 2119 ).
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 2119 ).
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 2119 ).
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).
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.
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:
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.
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.
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 of the 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.
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, at most, the amount of the exit provision.
5 Beyond 50 years, the insured person is entitled to the maximum of the following amounts:
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 visit PUBLICA to sign the consent declaration on the 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 2119 ).
1 The amount collected in advance shall be refunded if:
2 The amount collected in advance may be refunded:
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 2119 ).
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:
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.
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.
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, on 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.
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.
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.
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.
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 of the LPP.
2 The forum is at the headquarters or in the Swiss domicile of the defendant or in the place of business in which the insured person is employed.
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).
1 For insured persons who, at the entry into force of this Regulation,
2 The employer pays the cost of this relief.
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 For annuities born under the former right and transferred under para. 1, this Regulation shall 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 2119 ).
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 2119 ).
1 The right to the fixed supplement and to the transitional pension arising under the old right shall be extinguished:
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 2119 ).
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 2119 ).
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 2119 ).
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 999 ).
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 2119 ).
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 2119 ).
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 2119 ).
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 2119 ).
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.
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 2008 and the entry into force of the amendments of March 31 and May 10, 2011, is 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. 3, let. B.
Art. 107 B 2 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. 3 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 2119 ).
2 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 3429 ).
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.
(art. 8)
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 999 ).
(art. 32 C , para. 3, let. (c)
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 3429).
(art. 27, para. 2)
Executive Plan 2 for the Insurance of Functional Level Persons 13 and over:
Age class (contribution class) |
Contribution assessment (art. 24) of the employed person (%) |
Risk Premium (s. 26) of the employed 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 3429 ).
(art. 32)
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) |
22 |
15.60 % |
22 |
16.60 % |
22 |
17.60 % |
23 |
31.20 % |
23 |
33.20 % |
23 |
35.20 % |
24 |
46.80 % |
24 |
49.80 % |
24 |
52.80 % |
25 |
62.40 % |
25 |
66.40 % |
25 |
70.40 % |
26 |
78.00 % |
26 |
83.00 % |
26 |
88.00 % |
27 |
93.60 % |
27 |
99.60 % |
27 |
105.60 % |
28 |
109.20 % |
28 |
116.20 % |
28 |
123.20 % |
29 |
124.80 % |
29 |
132.80 % |
29 |
140.80 % |
30 |
140.40 % |
30 |
149.40 % |
30 |
158.40 % |
31 |
156.00 % |
31 |
166.00 % |
31 |
176.00 % |
32 |
171.60 % |
32 |
182.60 % |
32 |
193.60 % |
33 |
187.20 % |
33 |
199.20 % |
33 |
211.20 % |
34 |
202.80 % |
34 |
215.80 % |
34 |
228.80 % |
35 |
221.85 % |
35 |
235.85 % |
35 |
249.85 % |
36 |
240.90 % |
36 |
255.90 % |
36 |
270.90 % |
37 |
259.95 % |
37 |
275.95 % |
37 |
291.95 % |
38 |
279.00 % |
38 |
296.00 % |
38 |
313.00 % |
39 |
298.05 % |
39 |
316.05 % |
39 |
334.05 % |
40 |
317.10 % |
40 |
336.10 % |
40 |
355.10 % |
41 |
336.15 % |
41 |
356.15 % |
41 |
376.15 % |
42 |
355.20 % |
42 |
376.20 % |
42 |
397.20 % |
43 |
374.25 % |
43 |
396.25 % |
43 |
418.25 % |
44 |
393.30 % |
44 |
416.30 % |
44 |
439.30 % |
45 |
422.80 % |
45 |
446.80 % |
45 |
470.80 % |
46 |
452.30 % |
46 |
477.30 % |
46 |
502.30 % |
47 |
481.80 % |
47 |
507.80 % |
47 |
533.80 % |
48 |
511.30 % |
48 |
538.30 % |
48 |
565.30 % |
49 |
540.80 % |
49 |
568.80 % |
49 |
596.80 % |
50 |
570.30 % |
50 |
599.30 % |
50 |
628.30 % |
51 |
599.80 % |
51 |
629.80 % |
51 |
659.80 % |
52 |
629.30 % |
52 |
660.30 % |
52 |
691.30 % |
53 |
671.39 % |
53 |
704.01 % |
53 |
736.63 % |
54 |
714.31 % |
54 |
748.59 % |
54 |
782.86 % |
55 |
765.65 % |
55 |
801.61 % |
55 |
837.57 % |
56 |
818.01 % |
56 |
855.69 % |
56 |
893.37 % |
57 |
871.42 % |
57 |
910.85 % |
57 |
950.28 % |
58 |
925.90 % |
58 |
967.12 % |
58 |
1008.34 % |
59 |
981.47 % |
59 |
1024.51 % |
59 |
1067.56 % |
60 |
1038.15 % |
60 |
1083.05 % |
60 |
1127.96 % |
61 |
1095.96 % |
61 |
1142.76 % |
61 |
1189.57 % |
62 |
1154.93 % |
62 |
1203.67 % |
62 |
1252.41 % |
63 |
1215.08 % |
63 |
1265.79 % |
63 |
1316.51 % |
64 |
1276.43 % |
64 |
1329.16 % |
64 |
1381.89 % |
65 |
1339.01 % |
65 |
1393.79 % |
65 |
1448.57 % |
Example:
Man, born May 15, 1955, insured gain = Fr. 200 ' 000.-, without a PC account:
Calculation date: 31 December 2015 Acquired old age Fr. 650 000. - To Age LPP = 60 To Rate = 1038.15 % To Redemption max = 1038.15 % × 200,000-650 000 = Fr. 1,426 300.-.
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 3429 ).
(art. 39, 46 and 57)
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 3429 ).
(art. 60, para. 4, let. A and c)
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.
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:
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 3429 ).
(art. 60, para. 4, let. B and 5)
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
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:
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 3429 ).
(art. 102, para. 2, 107 A , para. 1, and 107 B , para. 1)
(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:
Calculation Mode:
Factor in Tables a and b × (Monthly RT/1000) = Monthly Annuity Reduction.
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:
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:
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 3429 ).
(art. 5)
AA |
Accident Insurance |
AI |
Disability Insurance |
AM |
Military insurance |
AVS |
Old Age and Survivors Insurance |
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 Act), 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 December 20, 2006 governing the Federal Pension Fund (PUBLICA Act), 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 |
FIF Faculty Ordinance |
Order of September 18, 2003, on the Faculty of Federal Polytechnic Schools, RS 172.220.113.40 |
Insured Person |
That is, no one for whom the case of age, death or disability has not yet occurred. |
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 (art. 49) |
Capital essential for the grant of an orphan's pension and calculated at the time of death of the insured person. |
1 Update by ch. 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 2119 ).