Do you have any questions? 

Refer to our procedure which will guide you step by step to our dedicated page. 

In the event of a change to civil status (marriage, divorce, civil partnership in accordance with the Law on Civil Partnerships), please send us at your earliest convenience the form provided for this purpose together with a copy of the current official document. If you wish to notify us of a beneficiary partner, please return to us the form provided for this purpose. For your information, a civil partnership is taken into consideration by Patrimonia, provided the person who is in receipt of the pension and his/her partner have been in a civil partnership for at least five consecutive years immediately before the death of the person who is in receipt of the pension, or the surviving partner has to pay maintenance for one or more joint children. Moreover, pursuant to the Swiss legislation and the applicable general terms and conditions of the Patrimonia Foundation, we hereby inform you that only the payments calculated in accordance with the regulation that applies when their entitlements arise are valid. Contractual and statutory benefits are payable in the event of death and are determined in the event of death on the basis of the death certificate and the legal heirs. We would therefore be grateful if you could inform us soon as possible of any changes to your civil status and nomination of your partner or a new nomination of a beneficiary or beneficiaries in the event of death. 

The annual pension statements are sent out commencing from 15 February of the following year. Please contact us to obtain a duplicate or an up-to-date monthly statement. 

For a person who is in receipt of a disability benefit, the temporary disability pension is converted into a pension annuity at the age of retirement (64 years for women and 65 years for men). This pension annuity is calculated by multiplying the accumulated savings capital on the retirement date by the conversion rate which is applied in accordance with the General Terms and Conditions of the Patrimonia Foundation. It is not possible to request payment in full or even in part of the retirement capital. 

In order to avoid paying pensions that should not be paid, Patrimonia requests confirmation of existence. Everyone who in receipt of a pension will be required to submit a Certificate of Life each year. If there is no response from the person who in receipt of a pension, Patrimonia will automatically freeze the pension payment. Everyone who is in receipt of a pension as well as their heirs are obliged to inform the Foundation immediately of any changes to their circumstances that are likely to entail a change to or withdrawal of the pension as well as any change of address or bank details. 

Pursuant to the General Terms and Conditions of Patrimonia, a child’s pension (child of a disabled person, orphan or child of a retiree) is payable until the child reaches the age of 20. If the child is in full-time education or training or if he/she has at least 70% disability, the age limit for paying the pension is raised to 25 years of age. From 20 to 25 years of age, a confirmation of studies or training letter must be sent to Patrimonia in order to continue paying the pension. 

In the event of the death of a person who was in receipt of a pension, a partner’s pension or an orphan’s pension or pensions may be payable. For a person who is in receipt of a disability pension: the benefits in the event of death are determined in accordance with the workplace pension scheme of the employer where he/she was insured. For a person who is in receipt of a retirement pension: benefits in the event of death are determined in accordance with the workplace pension scheme of the employer where the annuitant was insured. A partner’s pension of a person who was in receipt of a retirement pension is equivalent to 60% of the retirement pension. An orphan’s pension is equivalent to 20% of the retirement pension of the deceased. We moreover wish to emphasise that in accordance with Swiss legislation and the applicable general terms and conditions of the Patrimonia Foundation only the payments calculated in accordance with the regulation that applies when their entitlements arise are valid. Contractual and statutory benefits are payable in the event of death and are determined in the event of death on the basis of the death certificate and the legal heirs. We would therefore be grateful if you could contact us at your earliest convenience in the event of any changes to your civil status and nomination of your partner or the nomination of a new beneficiary or beneficiaries in the event of death. Please contact us to obtain further information about the benefits that are payable in the event of death. 

Pursuant to the new divorce law of 1 January 2017, the occupational pension may be divided even after the occurrence of an insured event (in the event of retirement or disability). Thus, in the event of payment of a retirement or disability pension, the pension assets to be transferred will be calculated on the basis of a hypothetical leaving benefit, with a potential reduction of the retirement or disability pension as a consequence. Please contact us as soon as possible in the event of divorce proceedings. 

The partner, irrespective of gender, may receive a spouse’s pension if the following conditions are cumulatively fulfilled: 

• neither the insured member nor the partner is married; 
• the insured member and the partner are not related to each other in any way; 
• the insured member and the partner have been in a civil partnership for at least five consecutive years before the death or the surviving partner has to pay maintenance for one or more joint children; 
• the Foundation was notified of the existence of the partner before the death. 

It suffices to return to us the completed application form for a beneficiary partner, dated and signed, together with a copy of the your identity card and the identity card of your partner, as well as a certificate or residence for yourself and your spouse. 

For people who settle or have settled in a member state of European Union or EFTA area: payment of the entire retirement capital is no longer possible for people who live in a member state of the European Union, only the portion that exceeds the minimum pursuant to the LOB (supplementary portion) may be paid. The balance of the capital (minimum portion pursuant to the LOB) must be transferred to a vested benefits account. The majority of Swiss banks offer vested benefits accounts. You will find useful information on the website of the liaison body: Guarantee fund pursuant to the LOB. To enable us to pay your retirement capital, please send us: 

• the form for transferring the leaving benefit, dated and signed and stating your personal details, personal bank details and the name and bank details of the vested benefits foundation at which you have opened a vested benefits account. If you are married, your spouse’s signature is required and must be authenticated. 
• If you are single, divorced, widowed: a recent extract from the civil registration records. 
• For people living in Switzerland: a certificate of departure from the Municipality. 
• For people living abroad: a certificate confirming the cancellation of the cross-border commuter permit. 
• The affidavit form for waiver of contributions to the Swiss social security system which you can find here. 
• The certificate of residence from the foreign country 
  
  For people who settle in a country outside the European Union or EFTA: payment of the entire pension capital is possible. For this purpose, please send us: 

• the form for transferring the leaving benefit, signed and dated and stating your personal details and your personal bank details. If you are married, your spouse’s signature is required and must be authenticated. 
• If you are single, divorced, widowed: a recent extract from the civil registration records. 
• For people living in Switzerland: a certificate of departure from the Municipality. 
• For people living abroad: certificate confirming the cancellation of the cross-border commuter permit. 
• The sample affidavit for exemption from Swiss social security contributions can be found here. 

To enable us to pay your pension capital, please send us the following documents, among others: 

• the form for transferring the leaving benefit, signed and dated and stating your personal details and your personal bank details. If you are married), your spouse’s signature is required and must be authenticated. 
• If you are single, divorced, widowed: a recent extract from the civil registration records. 
• Certificate from the compensation fund confirming that you have registered your self-employment. 

An insured person who wishes to top up his/her pension must submit an application to Patrimonia using the form provided for this purpose. The Foundation calculates the maximum amount that can be topped up and duly notifies the insured person. It should be noted that conditions may be attached to the purchase. For example, if advance payments have been made to encourage home ownership, top ups cannot be made until these payments have been reimbursed. If the insured member has come from abroad and was liable to pay occupational benefits insurance for less than 5 years, the amount that may be topped up is limited to 20% of the insured salary. It is not possible to receive a lump sum payment for the contributions paid for a period of 3 years. Details of the terms and conditions of the top ups are contained in the General Terms and Conditions of Patrimonia. You will find an explanatory note here. 

The application is possible up to 12 months before the entitlement to retirement benefits arises. 

Although the LOB and its ordinances do not provide for the possibility of financing work by means of an advance payment of the leaving benefit, in certain cases the Patrimonia Foundation allows the insured member to obtain such an advance payment to undertake the work that is necessary and adds value to the property. All routine maintenance (painting, tiling, etc.) and landscaping (fence, swimming pool, garage, etc.) are excluded. Please contact us to find out whether the planned work is admissible. 

You should contact us, stating the amount requested and the required payment date, by completing the relevant form. Please note: action is needed at least 1 to 2 months beforehand. In the event of failure to adhere to these deadlines, completion of the procedures and transfer of the advance payment cannot be guaranteed. 

The payment that you have received may be reimbursed in one or more instalments; the minimum amount that may be reimbursed is CHF 10,000.- per instalment. You simply need to pay the required amount into the Foundation’s account, stating your surname and given name in the payment comments and noting that it is a reimbursement for encouragement of home ownership. 

Repayment is possible at any time up to the retirement date chosen by the insured. In the event of partial disability, only part of the advance payment may be reimbursed. 

During the divorce proceedings, the pension fund is required to notify the amount which has accrued between the date of marriage and a given date. This will enable us to determine the amount to be taken into account for dividing the pension. Please contact us if you require such a document. 

The retirement pension may be paid from 58 years of age, provided you have stopped working and your employer informs us of the termination of your employment contract due to retirement. The calculation of the retirement pension is based on the accrued savings capital and the applicable conversion rate on the retirement date. 

Your pension statement shows the estimated amount of pensions and retirement capital at specific ages (see explanation on the statement). If you wish to know the amount of these benefits at various ages, you can either run simulations online or contact one of our managers. 

If payment of the retirement pension begins before the age of retirement as defined in the OASI (early retirement), the insured member may request payment of an OASI bridging pension. This benefit is paid upon commencement of payment of the retirement pension until the retirement age as defined in the OASI that is applicable at the time of early retirement. The amount of the bridging pension is calculated on the basis of the salary that applies on the date of early retirement. The bridging pension is financed from the retirement capital that has accrued on the retirement date. The early retirement pension is consequently reduced. In the event of death during the period of payment of the bridging pension, the benefits payable to the surviving dependants are calculated on the basis of the reduced pension annuity. The entitlement to payment of the OASI bridging pension does not devolve upon the surviving dependants. 

In order to receive your retirement benefit as a lump sum, you must send us the completed form, dated and signed, prior to your retirement. If you are married, the form must be signed by your spouse as well. His/her signature must be authenticated. If you are single, divorced or widowed, a recent extract from the civil registration records must be attached to the form. 

You can change your mind before your retirement at the latest. After this deadline it is no longer possible. 

Taxes (contributions and reminders of overdue contributions) are collected by agreement with the affiliated company (periodicity is possible: monthly and quarterly), payable in arrears. The employer is responsible for deducting them from the salaries and paying them to the Patrimonia Foundation. The attached document contains full information about the collection of contributions. 

The entire leaving benefit up to 50 years of age. After this age, the maximum amount is equivalent to the leaving benefit which has accrued at 50 years of age or half of the leaving benefit which has accrued on the payment date, whichever amount is the highest. 

In the event of a change of address, please notify us of your new address as soon as possible by completing the form provided for this purpose and including a copy of your identity card or passport. 

If there is a change to the bank details provided for the regular payment of your pension, please send us your new bank details as soon as possible by completing the form provided for this purpose and including a copy of your identity card or passport. For a payment to a bank account abroad, please also send us a bank statement showing your account in IBAN format, the SWIFT/BIC code and the address of your bank.