1st pillar
2nd pillar
3rd pillar
Admission
Marriage / registration of partnership
Birth child
Acquisition of owner-occupied residential property
Divorce
Changing employment
Buy-in / contribution of capital
Disability
Death
Retirement

Admission

Members are admitted to the pension fund upon the commencement of their employment contract, but not before their 18th birthday. Principally, all employees whose employment lasts longer than three months and whose annual salary exceeds the entry threshold pursuant to the BVG or the pension plan are admitted to the pension fund.

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Please notify your employer of any marriage or registration of a same-sex partnership. Your employer will forward this information to GEMINI. Members living in registered partnerships have the same rights and duties as married members.

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Birth child

Please notify your employer of the birth of a child. Whether or not members have children becomes relevant in the pension fund context only when benefit claims arise (e.g. orphan’s pension).

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Acquisition of owner-occupied residential property

As a member, you may take advantage of the promotion of home ownership (WEF) and may, where appropriate, make advance withdrawals from, or pledge, your savings capital subject to certain conditions.

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Divorce

The pension fund assets accrued by both spouses during their marriage are divided into two halves as a matter of principle. The same applies to dissolutions of registered partnerships.

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Changing employment

Upon departure, you are entitled to your vested benefits. GEMINI will ask you to provide details for the money transfer. The vested benefits are equal to the savings capital accrued at the time of departure.

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Buy-in / contribution of capital

Upon prior application to GEMINI, you may pay in capital contributions to increase your retirement benefits. The only restriction in this case is that you must repay any advance withdrawals for owner-occupied residential property first.

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Disability

Entitlement: Members qualify for disability benefits if they have a disability degree of at least 40% pursuant to the Federal Disability Insurance (IV). Members must have been insured with GEMINI upon commencement of the incapacity for work whose cause led to the disability. Until GEMINI’s obligation to pay benefits commences, members receive continued salary payments from their company and payments from sickness or accident daily allowance insurance.

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Death

Death benefits are disbursed as soon as GEMINI has received the required documents, including the official death certificate and, where applicable, the list of heirs, birth certificates of children or proof of full-time education of children, etc.

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Retirement

Savings capital can be drawn as a pension or as a lump sum. Combinations are also possible. Once the lump sum has been drawn, all claims against the pension fund are satisfied.

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1st pillar

Government pension scheme

The 1st pillar (AHV/IV) is mandatory for anyone who works or lives in Switzerland. AHV/IV pensions cover basic needs in old age as well as in the event of death or disability. The obligation to pay contributions commences on 1 January following the 18th birthday and ends upon cessation of employment, but not before the regular AHV age has been reached.

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2nd pillar

Occupational pension scheme

Together with the 1st pillar, the 2nd pillar allows members and their dependents to maintain their habitual standard of living in an appropriate manner, in old age as well as in the event of disability or death. Mandatory insurance applies to all employees of companies whose annual salary exceeds CHF 21,150. Self-employed persons, employees working for several employers and employees with annual salaries below CHF 21,150 may take out 2nd pillar insurance on a voluntary basis.

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3rd pillar

Private pension option

The 3rd pillar represents the voluntary part of pension provision. It is advisable to draw up a savings plan for the 3rd pillar to build up a financial cushion for retirement.

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