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As far as gender equality is concerned, Switzerland is not a world leader. In many families, it is up to one parent (usually the father) to assume responsibility for the family’s income. The other parent is responsible for childcare and is often only employed part-time – or not at all. Where dependants are involved, it is particularly important to be protected against the loss of an earner's income due to death or incapacity for work. The survivors' pension provides some protection for married individuals, but the situation is more difficult for couples who live together without a marriage certificate. In all cases, families are advised to clarify their financial requirements and determine how best to cover them if something happens to a spouse or partner. These changes in personal circumstances often lead to financial consequences such as a sudden need to finance childcare.
The pension situation of unmarried couples is more complex in that the OASI does not provide benefits for surviving unmarried partners and only an orphan's pension is paid out to children of a deceased parent. It is up to the pension funds themselves whether to offer a pension or a lump-sum death benefit to the life partner and any children the partners had together. Once again, it's a good idea to clarify your situation early on, obtain a professional analysis and seek expert advice.
The subject of pensions is complex. There is often not enough time to research everything in detail. If you wish, you can seek advice from our partner service Optimatis. Our experts have the information that you may spend a long time searching for. Benefit from their expertise by arranging a no-obligation consultation.
The independent partner service Optimatis and its qualified staff will work with you to establish a clear overview and produce a snapshot of your current situation. Optimatis can offer you the solution that best fits your needs from the wide range available on the market – a good reason to seek advice from an independent expert.
You just need to request an appointment and a specialist advisor will be in touch with you. During the meeting, you can decide how and whether you wish to proceed with the solutions proposed.
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