Syngenta Pension Fund Switzerland – Benefits in case of unforeseen circumstances

Disability: financial assistance in the case of incapacity for work

In the event of disability, insured members receive a disability pension depending on the degree of disability.

Insured members who are at least 40 percent incapacitated are entitled to a disability pension. The degree of disability is defined according to the Federal Disability Insurance.

In the case of full disability, the pension amounts to 60% of the insured remunerations at the start of unfitness to work. The retirement savings continue to be accummulated up to age  65. At this point the disability pension is redefined by converting the continued retirement savings into a lifelong pension.


How high is the disability-related child pension?
If an insured person has children who are below the age of 20 (or 25 if in education) an additional pension is paid for each child amounting to 20% of the disability pension received.

What happens with the retirement account?
The retirement credits on the retirement account continue to be paid by the Pension Fund. This is an additional benefit provided by the risk insurance. Once reached the age of 65, the accumulated retirement savings are converted into a lifelong pension using the conversion rates applicable at that time. From then on, the disability pension will consist of the basic disability pension and the variable disability pension.

What happens in the case of partial disability?
Depending on the degree of disability, the Pension Fund pays a full pension or a partial pension as follows: 

More information

Download the file 'Regulations of Syngenta Pension Fund' and refer to 'Disability, Art. 5 & 13'

Explanation of terms

Disability: Anyone who becomes completely or partially incapacitated either permanently or for what is expected to be a prolonged period as a result of damage to physical or mental health is regarded as disabled

Degree of disability: The degree of disability is determined on the basis of the incapacitation. The decision of the Federal Disability Insurance is the defining criterion for establishing the degree of disability.