Pensions made simple · Episode 13

Dismissed after 58?
Continued insurance

Art. 47a BVG protects your pension entitlement.

The conditions

Who is entitled?

58+Leaving after the 58th birthday
Empl.Dismissal by the employer – not by you
→Continued insurance in the current fund possible
The options

Risk only – or risk plus savings

Risk only

  • Death & disability stay covered
  • Lower costs
  • Retirement savings stop growing

Risk + savings

  • Retirement savings keep growing
  • Contributions tax-deductible
  • Employee and employer shares at your expense
The advantage

A pension rather than just a balance

Pension ✓
The right to the fund's lifelong pension is preserved
Careful

The two-year limit

After 2 years of continued insurance: benefits as a pension only – no lump-sum withdrawal, no WEF. It ends on joining a new fund with a transfer of more than ⅔ of the savings.
Good to know

Act fast

💡 Register immediately after leaving. Clarify your options under Art. 47 and 47a BVG before deadlines pass – we're happy to review them with you.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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