Self-employment
At start of self-employment in Switzerland, Insureds can request to have their leaving benefits paid in cash if they become self-employed.
For evidence of your self-employed status, you need to provide confirmation from the AHV and an extract from the commercial register:
- lease contract of the future business rooms
- business plan
- eventual existing contracts with future clients
- promotion materials.
The self-employment must be exercised as the main profession.
The federal tax authorities will be informed of the cash payment by the pension fund.
If your benefits are to be paid out in cash, your spouse will need to declare his or her agreement by signing your leaving form. Your spouse’s signature must be certified by a notary public.
In the event of cash payment to unmarried insureds, proof of marital status is required.
The leaving benefits will not include buy-ins to the Pension Fund made less than three years prior to your departure from the company.
If you do not wish a cash payment, you can maintain your pension coverage by transferring your leaving benefits to
- a restricted-access vested benefits account at a bank (UBS vested benefit account or an institute of your choice)
- a vested benefits policy with a life insurance company
- the National Substitute Pension Plan.
Please send us your filled and signed form "Leaving the Pension Fund" as well as the form "Application for cas payment of leaving benefits upon exit" latest 4 weeks before you leave the company.
Form Application for cash payment of leaving benefits upon exit