Have you ended your employment relationship and are not starting a new job directly? Depending on the situation, you have different options for your occupational pension assets.

Job search or work interruption

Are you taking a break for an apprenticeship or a holiday? Or are you still looking for a job after termination? As soon as you have opened a vested benefits account or concluded a vested benefits policy, we will transfer your termination benefit.

1. Vested benefits account: You can set up a “Vested benefits account 2nd pillar” at a Swiss bank of your choice. Please send Profond a copy of the opening application at the bank or the completed form “Payment address for the transfer of my termination benefit”.
2. Vested benefits policy: Most Swiss insurance companies offer vested benefits policies. This allows you to insure yourself against the risks of disability and death. If you opt for a vested benefits policy, please send Profond a copy of the opening application to the insurance company or the form “Payment address for the transfer of my termination benefit”.

If we have not yet received any transfer information from you six months after your resignation, we will transfer your termination benefit (based on the Vested Benefits Act) to the following foundation:

BVG contingency fund
Vested benefits accounts
Mailbox
8050 Zurich

Important: After reaching the age of 58, it is only possible to transfer the termination benefit to a vested benefits account if you continue to work or are registered as unemployed. Otherwise, the pension case of age (retirement) occurs and we pay out your retirement benefits (pension or lump sum).

Voluntary continued insurance after a termination

For insured persons leaving, there are also the following options for voluntary continued insurance.

• External membership: Insured persons, regardless of their age, can voluntarily continue their pension provision for a maximum of two years if they have terminated the employment relationship with the employer and were fully able to work at that time. If you would like to use such an external membership, we ask you to inform us of this before the termination of the employment relationship. 
• Continuation of insurance after the age of 58: If the employment relationship is terminated by the employer, insured persons aged 58 and over residing in Switzerland can request the continuation of the insurance until their normal retirement. If you would like to continue your insurance to the same extent as before, please notify us before the end of the employment relationship.