{"id":387,"date":"2025-11-30T10:11:38","date_gmt":"2025-11-30T10:11:38","guid":{"rendered":"http:\/\/invexa.ch\/?p=387"},"modified":"2026-03-20T15:13:58","modified_gmt":"2026-03-20T15:13:58","slug":"rente-lpp-cas-invalidite","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/prevoyance\/rente-lpp-cas-invalidite\/","title":{"rendered":"BVG pension in the event of disability"},"content":{"rendered":"
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In Switzerland, it is important to differentiate between two specific situations of disability: disability due to an accident, and disability due to an illness. disease<\/strong> and disability caused by accident<\/strong>. In the first case, the disability pension is paid by the 2nd pillar (BVG)<\/strong><\/a>while in the second, it's theaccident insurance (AA)<\/strong> which covers the payment of a disability pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Why a BVG disability pension?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Visit <\/span>Switzerland, <\/span>the <\/span>pension <\/span>professional <\/span>do <\/span>. <\/span>limit <\/span>not <\/span>to <\/span>prepare <\/span>the <\/span>retirement. <\/span>She <\/span>play <\/span>also <\/span>a <\/span>role <\/span>crucial <\/span>at <\/span>case <\/span>d'disability<\/strong>, <\/span>at <\/span>complement <\/span>from <\/span>services <\/span>from <\/span>Insurance<\/span>disability (<\/span>AI<\/strong>). <\/span><\/p>

When a <\/span>person <\/span>undergoes <\/span>a <\/span>damage <\/span>approach <\/span>to <\/span>its <\/span>capacity <\/span>from <\/span>work, <\/span>the <\/span>annuity <\/span>LOB <\/span>at <\/span>case <\/span>disability <\/span>allows <\/span>from <\/span>compensate <\/span><\/strong>a <\/span>part <\/span>from <\/span>the <\/span>loss <\/span>from <\/span><\/a>income. <\/span>But <\/span>which <\/span>are <\/span>visit <\/span>conditions <\/span>for <\/span>at <\/span>benefit, <\/span>what <\/span>is <\/span>the <\/span>amount <\/span>from <\/span>this <\/span>annuity <\/span>and <\/span>how <\/span>. <\/span>calculates-<\/span>t-<\/span>her? <\/span>This <\/span>article <\/span>you <\/span>guide <\/span>not <\/span>to <\/span>not <\/span>for <\/span>understand <\/span>the <\/span>operation <\/span>from <\/span>this <\/span>service <\/span>from <\/span>2nd <\/span>pillar.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Entitlement to a BVG pension<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The <\/span>right <\/span>to <\/span>a <\/span>annuity <\/span>LOB <\/span>at <\/span>case <\/span>disability <\/span>do <\/span>is born <\/span>not <\/span>immediately <\/span>after <\/span>a <\/span>disability <\/span>from <\/span>work.<\/span> Disability <\/span>must <\/span>result <\/span>a <\/span>damage <\/span>to <\/span>the <\/span>health (<\/span>disease <\/span>or <\/span>accident) <\/span>occurrence <\/span>during <\/span>the <\/span>period <\/span>insurance <\/span>at <\/span>2nd <\/span>pillar, <\/span>i.e.<\/span>\u00e0-<\/span>say <\/span>for <\/span>the exercise <\/span>a <\/span>activity <\/span>employee <\/span>submitted <\/span>to <\/span>obligation <\/span>from <\/span>contribution <\/span>to <\/span>the <\/span>LPP. The LPP\/BVG pension is always subject to a preliminary decision<\/strong> theAI<\/strong>.
<\/span><\/p>

As with DI, entitlement to a BVG pension therefore arises when the degree of disability reaches 40%<\/strong>. An insured is entitled to a 1\/4 pension for a degree of disability of 40%, to a 1\/2 pension for a degree of disability of 50%, to a 3\/4 pension for a degree of disability of 60%, and to the full disability pension for a degree of disability of 70% or more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t40 % Disability rate :<\/strong> 25 % of the annuity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t45 % Disability rate :<\/strong> 37.5 % of the annuity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t50% Disability rate :<\/strong> 50% annuity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t60% Disability rate :<\/strong> 60% annuity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t70% and + Disability rate :<\/strong> 100% of the annuity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    How is a BVG disability pension calculated?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The mandatory part<\/strong> of the LPP provides for the following calculation:<\/p>

    L'retirement assets<\/strong> with interest at the time of entitlement to the BVG disability pension is taken into account. In addition bonuses<\/strong> that should have been paid up to the normal retirement age. The total amount is then multiplied by the conversion rate to obtain the annual BVG disability pension. In addition, if the insured has one or more dependent children, they will receive a disabled's children's pension equal to 20% of the BVG disability pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Supplementary benefits<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    He <\/span>is <\/span>important <\/span>from <\/span>check <\/span>the <\/span>settlement <\/span>from <\/span>its <\/span>caisse <\/span>from <\/span>pension, <\/span>because <\/span>visit <\/span>services <\/span>from <\/span>the <\/span>part <\/span>supplementary <\/span><\/strong>can <\/span>be <\/span>more <\/span>generous, <\/span>including <\/span>at <\/span>this <\/span>which <\/span>concerns <\/span>the <\/span>calculation <\/span>from <\/span>the <\/span>income, <\/span>or <\/span>visit <\/span>services <\/span>complementary.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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    End of cover<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The <\/span>right <\/span>to <\/span>the <\/span>annuity <\/span>LOB <\/span>at <\/span>case <\/span>disability <\/span>takes <\/span>end<\/span> atthat <\/span>the <\/span>person <\/span>invalid <\/span>reached <\/span>age <\/span>legal <\/span>from <\/span>the <\/span>retirement (<\/span>65 <\/span>years), <\/span>the <\/span>annuity <\/span>LOB <\/span>disability <\/span>is <\/span>replaced <\/span>by <\/span>the <\/span>annuity <\/span>from <\/span>old age <\/span>LPP. If earning capacity improves significantly and the degree of disability falls below 40%<\/strong>the entitlement to a BVG pension is deleted<\/strong>in accordance with the periodic reassessment carried out by the DI and the pension fund.<\/span><\/p>

    Visit <\/span>case <\/span>from <\/span>death<\/strong>, <\/span>the <\/span>annuity <\/span>disability <\/span>takes <\/span>end <\/span>immediately. <\/span>According to <\/span>visit <\/span>cases, <\/span>from <\/span>annuities <\/span>from <\/span>survivors (<\/span>spouse <\/span>or <\/span>orphans) <\/span>can <\/span>then <\/span>be <\/span>vers\u00e9es.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Disabled person's children's pension<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    When a <\/span>person <\/span>perceives <\/span>a <\/span>annuity <\/span>LOB <\/span>at <\/span>case <\/span>disability, <\/span>its <\/span>children <\/span>have <\/span>also <\/span>right <\/span>to <\/span>a <\/span>annuity <\/span>complementary <\/span>called <\/span>annuity <\/span>for <\/span>children <\/span>disabled<\/span><\/strong>. To benefit from this service, the<\/span>child <\/span>must <\/span>have <\/span>less <\/span>from <\/span>18 <\/span><\/strong>years<\/strong>, <\/span>or <\/span>less <\/span>from <\/span>25 <\/span>years <\/span><\/strong>if <\/span>is <\/span>still <\/span>at <\/span>training. It <\/span>can <\/span>be <\/span>from <\/span>from <\/span>marriage, <\/span>recognized, <\/span>adopted <\/span>or <\/span>located <\/span>from <\/span>at <\/span>permanent.
    <\/span><\/p>

    The <\/span>amount of disabled child's pension <\/span>matches <\/span>to <\/span>20% <\/span><\/strong>from <\/span>the <\/span>annuity <\/span>disability <\/span>LOB <\/span>paid <\/span>at <\/span>parent. She<\/span> is <\/span>paid <\/span>for <\/span>every <\/span>child <\/span><\/strong>filling <\/span>visit <\/span>conditions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Coordination of IV and BVG benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    L<\/span>es <\/span>annuities <\/span>AI <\/span>and <\/span>LOB <\/span>do <\/span>s'add up <\/strong><\/span>not <\/span><\/strong>freely. <\/span>A <\/span>mechanism <\/span>from <\/span>coordination, <\/span>called <\/span>overcompensation<\/strong>, <\/span>aims <\/span>to <\/span>avoid <\/span>that <\/span>the <\/span>income <\/span>total <\/span>from <\/span>from <\/span>insurance <\/span>social <\/span>exceeds <\/span>the <\/span>income <\/span>that <\/span>the insured <\/span>received <\/span>before <\/span>the appearance <\/span>from <\/span>sound <\/span>disability.<\/span><\/p>

    Visit <\/span>rule <\/span>general, <\/span>the <\/span>total <\/span>from <\/span>annuities (<\/span>AI, <\/span>LPP, <\/span>LAA<\/span> and <\/span>other <\/span>possible <\/span>services) <\/span>do <\/span>must <\/span>not <\/span>exceed <\/span>90% <\/span><\/strong>from <\/span>last <\/span>income <\/span>activity. <\/span>If <\/span>this <\/span>ceiling <\/span>is <\/span>reached, <\/span>is <\/span>the <\/span>annuity <\/span>LOB <\/span>which <\/span>is <\/span>reduced <\/span>at <\/span>priority. <\/span>This <\/span>mechanism <\/span>allows <\/span>from <\/span>maintain <\/span>fairness <\/span>from <\/span>system <\/span>from <\/span>foresight, <\/span>all <\/span>at <\/span>avoiding <\/span>from <\/span>situations <\/span>from <\/span>overcompensation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Coordination of IV and BVG benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The <\/span>right <\/span>to <\/span>the <\/span>annuity <\/span>LOB <\/span>at <\/span>case <\/span>disability <\/span>do <\/span>takes <\/span>effect <\/span>after <\/span>a <\/span>certain <\/span>delay. <\/span>This <\/span>deadline <\/span>from <\/span>deficiency <\/span><\/strong>is <\/span>in principle <\/span>aligned <\/span>on <\/span>the one <\/span>from <\/span>DI <\/span>and <\/span>hard <\/span>at least one year<\/span> to <\/span>go to <\/span>from <\/span>deposit <\/span>from <\/span>the <\/span>request <\/span>from <\/span>benefits. <\/span>In the short term, the employer maintains the salary. In the medium term, <\/span>the insured <\/span>must <\/span>rely <\/span>on <\/span>other <\/span>income, <\/span>as <\/span>visit <\/span>compensation <\/span>daily <\/span>at <\/span>case <\/span>from <\/span>sickness (underwritten by the employer), <\/span>or <\/span>its <\/span>savings <\/span>personal.
    <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

    The BVG disability pension is a key benefit in the Swiss pension system. It provides financial security for people who have become unable to work. It complements IV pensions.<\/p>","protected":false},"author":1,"featured_media":1111,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[46,34,64],"class_list":["post-387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-2eme-pilier","tag-lpp","tag-maladie"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/387","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=387"}],"version-history":[{"count":6,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/387\/revisions"}],"predecessor-version":[{"id":9025,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/387\/revisions\/9025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/1111"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}