New life situation, late love: Our Pension Fund Regulations will meet your needs even better.
Today, our life paths are more diverse than ever: Love, family and space for self-expression cannot be pressed into rigid models. This is why we are adding modern innovations to our pension fund regulations this year.
Starting 1 January 2026, we will offer you even more flexibility and fairness in designing your pension plan.
Temporary reduction in the level of employment with possible continuation of insurance
Sometimes you want to cut back a little bit on your job to gain time for further education, family or yourself. Now, you can continue your pension plan during this time at the previous salary level* despite a reduced workload.
This way, you avoid a pension gap and remain well protected even during a time-out or part-time period. You decide whether you want to continue to insure the original salary for saving and risk or only for risk (disability/death).
This possibility exists regardless of the reason for the reduction in working hours and is possible for up to two years.
- Livia Larson reduces her workload from 100% to 80% to complete postgraduate studies.
- Sandro Meier reduces his work quota from 100% to 70% to take care of the children.
The new regulation allows both parties to continue their savings and risk arrangements based on their previous salary. This allows them to ensure that their retirement benefits are not reduced just because they are temporarily working less.
No reduction of pension in the event of later marriage or partnership
Love knows no age. Therefore, no reduction in the spouse’s or partner’s pension will now be made, even if a marriage or notification of a partnership takes place after the reference age.
The previous rule that if there is an age difference of more than ten years, the spouse’s pension will be reduced by three per cent for each additional full or commenced year remains in place. In order to prevent possible abuses in the event of very large age differences, the previous reduction limit of a maximum of 50 per cent is omitted.
The entitlement to the legally guaranteed minimum BVG benefits is, of course, retained in any case.
- Paul Moser is retiring at 65 and marries his long-term partner, three years younger, two years later. Should he die, his wife will receive the full spouse’s pension without any reduction, even if the marriage took place only after retirement.
- At 67, Maria da Silva meets her great love, who is the same age as her. She does not want to get married or move in together, but she registers her partner with Profond. If Maria da Silva dies and her partner has been registered with Profond for at least five years, she will receive the full partner’s pension.
Other innovations
Those who continue to work after reaching the reference age will now have the opportunity to dispense with the further accumulation of savings contributions.
That means: Insured persons can choose to stop paying savings contributions if they postpone their retirement. As a result, they receive a higher salary, while the risk protection death remains in place.
In accordance with art. 7b Pension Fund Regulations, insured persons whose employment relationship has been terminated by their employer, may continue their insurance and pension provision. This is already possible from the age of 55.
Thus, the customary pension protection is maintained and any pension gap can be avoided.
The 2026 Pension Fund Regulations can be found here.
In the explanatory notes you will find the changes clearly summarised.
* The continuing insurance at the previous level may not exceed 450% of the maximum AHV retirement pension. This is currently equivalent to CHF 136’080.
In the event of a discrepancy between this composition and the Pension Fund Regulations, the Pension Fund Regulations shall prevail.