The amount of the disability pension (partial or total) is based on the following data:
- The Fund’s Rules applicable at the time you joined
- Reference salary
- Years of membership you would have reached at the applicable retirement age (non-occupational disability) or maximum years of membership (occupational disability)
- Disability rate
- Reduction factor in the event of incomplete contributions
Calculation
- If you joined the Fund on or before 31 December 2011:
- 2% of your final reference salary x years of membership x disability rate x reduction factor for incomplete contributions (if relevant)
- If you joined the Fund on or after 1 January 2012:
- 1.85% of the average of your last 36 months' reference salaries x years of membership x disability rate x reduction factor for incomplete contributions (if relevant)
Duration
The partial disability pension ceases on:
- the last day of the month of the beneficiary’s death
- the day when the partial disability disappears
- the day when the partial disability becomes total
The partial disability pension is replaced by a retirement pension on the first day of the month in which the member retires.
The total disability pension ceases on:
- the last day of the month of the beneficiary’s death
- the day when the disability disappears or is reduced to less than 50%
- the day when the beneficiary resumes membership
The total disability pension is replaced by a retirement pension of the same amount on the first day of the month following the date on which the member reaches the applicable retirement age.
Payment
Benefits are paid monthly in Swiss francs into a personal bank account in Switzerland between 6 and 8 of the month.