Occupational benefit. Information for employees.

Leaving a company

When leaving a company you also leave its pension fund. You are entitled to the termination or vested benefits.

Case 1: You join a new pension fund

If you start a new job at a different company, you will join that company's pension fund. The vested benefits will thus be transferred from the old to the new occupational benefits institution.

Case 2: You need a vested benefits solution

If you are temporarily unemployed (e.g. owing to further education, becoming a parent, a stay abroad, unemployment) and do not yet know who your next employer will be, the pension fund assets must be transferred to a vesting institution by law. This means that your benefit cover in the 2nd pillar is retained. You can also transfer your savings to a vesting institution if you take up self-employment and are no longer subject to the occupational benefit scheme.

Case 3: You are requesting that your termination or vested benefits be paid out

If you take up self-employment in Switzerland or if you are emigrating from Switzerland, your vested benefits can be paid out in cash. The following information sheet explains which conditions and restrictions you must observe.