Pensions in the event of death
Claim to a survisor's pension
If you are are married; living in a registered civil partnership or living in a life partnership (common-law marriage), then your spouse/partner has a claim to a survivor’s pension should you, the insured person, die. The claim is only valid if the insured person has registered their marriage, registered civil partnership or life partnership with the IntegralStiftung while still alive.
There is a link between the type of relationship and survivors’ benefits. The type of relationship which the insured person was in while alive is key to the claim to, and calculation of, a survivor’s pension. General information on types of relationship – namely on marriage law; registered civil partnerships and life partnerships (common-law marriage) – is available; click the following links to visit possible sources of information.
If you are insured with the IntegralStiftung and receive an old-age pension, then your spouse or registered partner has a claim to a spouse/partner’s pension in the event you should die. This claim expires if your spouse or partner remarries; registers a new civil partnership or has a new life partner (common-law marriage) and/or when they die.
Should the surviving partner be 10 or more years younger than the insured person who has died, then, in accordance with the BVG, the spouse/partner’s pension will be reduced as follows – a deduction of 1% of the full spouse/partner’s pension for every full year over and above the 10-year age difference. In addition to this, the spouse/partner’s pension will be reduced if the insured person has married or registered the civil partnership after the age of 65.
The insured person’s pension plan defines how much the spouse/partner’s pension will be.
Life partner's pension
Under certain circumstances the individual defined by the insured person as their life partner (irrespective whether they are the same or different gender) has a claim to a spouse/partner’s pension based on the same preconditions and reduction parameters which apply to the spouse/partner’s pension. The insured person must have notified the IntegralStiftung of this life partnership while still alive.
Recipients of a life partner’s pension will lose their claim to this pension if they remarry; register a new civil partnership; find a new life partner (common-law marriage) and/or when they die.
Life partners have a claim to a survivor’s pension equivalent to the spouse/partner’ pension if
The insured person and the beneficiary are not married and, with the exception of being the same gender, there were no legal reasons (Art. 94ff. Swiss Civil Code) why they should not have married;
The life partner is not receiving any survivor’s benefits from the insured person;
The life partnership which existed directly before the insured person’s death can be proven to have been a permanent, exclusively monogamous relationship without any interruptions for at least the last five years, or
The life partner must provide for at least one child living in the joint household.
For divorcees or ex-partners
The pension paid by the IntegralStiftung to divorced spouses and ex-partners is equivalent to the regulatory spouse/partner’s pension and is not limited to the minimum stipulated by the BVG.
The divorced spouse or ex-registered civil partner of an insured person who has died has a claim to a spouse/partner’s pension if:
The divorce decree respectively the dissolution ruling has awarded a pension or a lump-sum payment for a life-long pension;
The marriage or registered civil partnership lasted for at least 10 years, and
The ex-spouse or ex-partner must either provide for one or more children or is over 45 years of age.
If only the first two of these preconditions are met, then the divorced spouse respectively the ex-registered partner has a claim to a non-recurring lump sum payment equivalent to three times the corresponding annual spouse/partner’s pension.
The children of an insured person who has died or children who, under the provisions of the Swiss Civil Code, have equal status have a claim to an orphan’s pension. Foster and step-children have equal status to other children insofar as the insured person who has died also provided for them. The insured person’s pension plan defines how much the orphan’s pension will be.
As a rule, the claim to an orphan’s pension begins when the insured person dies and expires when the orphan dies or reaches the age of 18. IntegralStiftung orphans’ pensions, however, continue to be paid past the age of 18, particularly to children who are still in education or to children who, on reaching the age of 18, are full invalids as defined by the IV (until they become capable of working and, at most, until they reach the age of 25). The insured person’s pension plan defines how much the orphan’s pension will be.
Lump sum payable at death
If you are insured with the IntegralStiftung and should die before you receive an old-age or invalidity pension, then a so-called lump sum payable at death will become due insofar as your pension assets are not required to finance any survivor’s pension(s).
You can also include an additional lump sum payable at death in your pension plan, which will be paid out in full, irrespective of any entitlements to survivor’s pension(s).
Our Pension Regulations provide details about the exact payment arrangements. Should there be no entitled beneficiaries, then the lump sum will not be paid out and the pension assets will be transferred to the IntegralStiftung. Survivors have a claim to payment which is independent of inheritance law and is based on a specific order of precedence.
Any voluntary participation payments made by the insured person during their lifetime will be paid out as a lump sum payable at death whatever the case.
Survivors’ claims will be based on the following order of precedence:
The spouse respectively registered civil partner and children of the insured person who have a claim to an orphan’s pension;
Other natural persons who received a substantial degree of support from the insured person or the person who was in an uninterrupted life partnership with the insured person for the last five years before his or her death or who must provide for one or more joint children;
Children of the insured person who have no claim to an orphan’s pension; their parents or their siblings;
Any other legal heirs, excluding the state.