Pension Plan 2 - Managerial and senior employees (12 times the monthly salary with claim to bonus payments)
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1 APPENDIX 1 Pension Plan 2 - Managerial and senior employees (12 times the monthly salary with claim to bonus payments) The insured person shall be notified of the type and amount of the benefits in a personal record on an annual basis. Entitlements to claims and any benefit restrictions are stated in the applicable version of the pension plan regulations. The pension regulations shall in all cases govern the benefit terms. 1. Insured Person/Admission All employees whose 12 times the monthly salary converted to full-time employment, plus an agreed bonus, amounts to at least three-quarters of the maximum AHV pension are covered by this plan. The entitlement commences when the working relationship begins and when the regulatory admission terms are met. 2. Insured salary The insured salary corresponds to the pension credits, risk benefits and the risk and administrative cost contributions a) for employees working in Switzerland: 12 times the monthly salary plus 50% of the agreed bonus, subject to a maximum of CHF 300,000; b) for employees working in other countries who are still insured through the AHV during their stay abroad: the annual basic salary in accordance with the respective function, subject to a maximum of CHF 300, Retirement age The ordinary retirement age is 64 for women and 65 for men. The insured person may opt for an early or deferred retirement age. The earliest possible retirement age shall be at the end of the 58 th year of age. The maximum deferral is 5 years after the normal retirement age. 1
2 4. Pension 4.1 s The ordinary age-related pension credits, as a percentage of insured salary, are: % % % % % 4.2 Retirement benefits The pension amount is calculated on the existing retirement assets at the retirement age, multiplied by the valid conversion rate. The conversion rate at the ordinary retirement age is 6.0% for retirements until From the conversion rate for ordinary retirement is 5.8%. In the event of early retirement, the conversion rate per year is reduced by 0.15% calculated from the conversion rate at ordinary retirement age. For early retirements until , the calculation of conversion rate is based on 6.0%. In the event of deferred retirement, the conversion rate increases by 0.15 percentage points per year. The old age pension includes the following prospective entitlements: a spouse s pension, which where appropriate may be claimed on the death of the pension recipient in an amount of 60% of the current pension; a child s pension for every child, who, in accordance with Article 4.3 of the pension regulations, is entitled to claim an orphan s pension in an amount of 20% of the current pension. 2
3 5. Risk coverage The risk coverage benefits shall be granted if an insured event occurs as a result of illness or accident as follows: a. In the event of disability Disability pension and disability child s pension In cases of complete inability to work, the disability pension including the disability child s pension and other social security benefits: a) amounts, for insured salaries up to the maximum LAI salary: to 80% of the insured salary b) amounts, for insured salaries exceeding the maximum LAI salary: to 62% of the insured salary, subject to a maximum of 80% of the LAI salary. The disability child s pension is equal to the minimum BVG benefit. The insured disability pension is at least equal to the BVG disability pension. On discontinuation of a child s pension, the disability pension will be realigned to 80% or 62% respectively of the insured salary. All benefits from other forms of social insurance shall be taken into account in order to calculate the pension claim. Exemption from contribution The commencement of the exemption from contributions (savings, risk and administrative cost contributions) is governed by the same stipulations as the commencement of the disability pension benefits. b. Death of the assured before the AHVl retirement age Spouse s or registered partner s pension The annual spouse s or registered partner s pension amounts to 27% of the insured salary. Orphan s pension The annual orphan s pension per child amounts to 9% of the insured salary. Lump-sum death benefit The lump-sum death benefit is governed by the provisions of Article 4.4 of the pension regulations. 3
4 6. Contributions 6.1 Insured s contributions The ordinary contributions of the insured person as a percentage of insured salary shall be: Contribution to risk and administrative costs % 0.00% % 4.80% % 5.60% % 6.40% % 7.20% % 2.00% 6.2 Employer s contributions The ordinary contributions of the employer as a percentage of insured salary shall be: Contribution to risk and administrative costs % 0.00% % 7.20% % 8.40% % 9.60% % 10.80% % 3.00% 7. Amendment of the pension plan The board of trustees may amend the pension plan at any time. The new provisions shall replace all the corresponding former regulations. Acquired rights to current pensions and related entitlements shall not be affected thereby. 8. Effectiveness This pension plan shall be effective from 1 January 2017 and replaces all other former pension plans. Winterthur, The Foundation Board Pension Fund WinGD + 4
5 This text is a translation. In the event of a dispute, only the original german version is binding. 5
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