If you are already a pensioner, the instructions of the judge pursuant to the final divorce decree will be executed.
Divorce
What happens in the event of a divorce?
If the marriage ends in divorce or the registered partnership is dissolved, the vested benefits accrued during the marriage / partnership are shared and the divorced partner receives part of the pension assets. This share is defined in the divorce decree by the competent court. Upon receipt of the final divorce decree, the share pursuant to the divorce decree is debited to the individual pension assets and the corresponding amount is transferred to the pension fund of the divorced partner. This transfer results in a reduction of the insured retirement benefits. The insured person has the option, however, to repurchase part or all of these benefits until the occurrence of an insured event and regardless of the applicable purchase restrictions.
In the case of pensioners, the instructions of the judge contained in the decree are implemented upon receipt of the final divorce decree.
It is important to know that the division of pension assets as decided in a foreign divorce decree is not recognised in Switzerland. In this case, a final decision is required regarding the recognition and enforcement of the division of pension assets from the competent court in Switzerland.
FAQs | frequently asked questions
I am already a pensioner. What would happen to my pension if I should divorce?
I have a foreign divorce decree. Can this be used for the division of pension assets?
Foreign divorce decrees are not recognised in Switzerland for the division of pension assets. In order to carry out the division of pension assets, a final decision regarding the recognition and enforcement of the division of pension assets from the competent civil or pension court in Switzerland is required.
Is it possible to close the gap caused by the divorce again?
The gap caused by the divorce can be compensated in whole or in part by purchases until the time that a pension claim occurs, regardless of the purchase restrictions that apply.
What happens on receipt of the divorce decree?
After receiving the final divorce decree, we will debit the amount set out in the divorce decree to your individual retirement savings and transfer this amount to the pension fund of your divorced partner. This will reduce your insured retirement benefits.
What information is needed for issuing a confirmation on the feasibility of the division of pension assets?
To issue a correct confirmation on the feasibility of the division of pension assets, we need the following information:
- Date of marriage
- Vested benefits as at the date of marriage
- Date of instigation of divorce proceedings
What should I do with the tax confirmation?
The insured person has to submit the confirmation of repayment from the pension fund to the tax office with their annual tax return.
What would happen to my retirement savings if I should divorce?
In the event of a divorce or dissolution of a registered partnership, the pension fund assets that were accrued during the marriage are usually divided in two, unless there was a pension claim (retirement, disability).
Who can I contact for the issue of a confirmation on the feasibility of the division of pension assets or for questions regarding a divorce?
Please contact the pension fund employees directly if you have any questions about a divorce or a feasibility confirmation.
To do this, you can use the contact form or send us an email (pensionskasse@lonza.com).
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).
Will I receive information/confirmation about the repayment?
PKL will inform you in writing about the repayment.