If the insured person is partially disabled, the amount of the disability benefits depends on the degree of disability. The degree of disability equals at least the disability level applied by the IV.
Disability
What happens if disability occurs?
On the basis of the statutory provisions and the provisions of PKL's regulations, insured persons who suffer a disability of least 25 percent are entitled to a disability pension. Acceptance of disability and the determination of the degree of disability are based on the legally valid decision of the Federal Disability Insurance (IV). Entitlement begins as soon as the benefits from the existing and legally compliant daily sickness benefits insurance have been exhausted (waiting period of 24 months). For full disability, PKL's disability pension equals 60 percent of the pensionable salary at the time the incapacity for work occurred, until the age of 65. The Pension Fund continues to pay contributions and interest to accrue the retirement savings until the age of 65, at which time retirement benefits fall due, or until the insured person dies or becomes capable of working again.
FAQs | frequently asked questions
How are the disability benefits calculated for partially disabled persons?
How much is the annual disability pension?
For full disability, the annual disability pension equals 60% of the pensionable salary. The personal values appear on page one of the current pension certificate. These amounts are listed under risk coverage.
How much is the annual disabled person's child's pension?
The annual disabled person's child's pension for a fully disabled person equals 20% of the disability pension for each child. The personal values appear on page one of the current individual pension certificate. These amounts are listed under risk coverage.
When does entitlement to disability benefits from the pension fund start?
Entitlement to a disability pension begins as soon as the insured person no longer receives a salary or salary replacement benefits that amount to at least 80% of the lost salary and for which the employer had paid at least half of the premiums.
When does the entitlement to a disability pension lapse?
The entitlement to a disability pension lapses if the disability is healed, or if the insured person dies or reaches regular retirement age. In the latter case, the disability pension is converted into a retirement pension.
Who is entitled to a disability pension?
Disability is deemed to exist if the insured person is likely to become permanently or permanently for a longer period of time completely or partially incapacitated for work or if he/she is disabled within the meaning of the IV.
Who is entitled to a disabled person's child's pension?
Disabled persons are entitled to a disabled person's child's pension for children younger than 18, or younger than 25 if they have not yet finished their education.
Who should I contact if I have questions about my pension certificate?
Please contact the pension fund employees directly if you have any questions about your pension certificate.
To do this, you can use the contact form or send us an email (pensionskasse@lonza.com).