6 months from the exit date.

The total contribution is composed of ‘savings’ contributions, ‘risk’ contributions (disability and death) and contributions for administrative costs. The contributions to cover risk and costs are not reimbursed.

1 year

It is no longer possible for an insured person leaving Switzerland definitively for a European Union country (plus Iceland and Norway) to benefit from the payment in cash of the whole of their vested benefits if they are subject in that country to a compulsory occupational pension system (social security in France for example). Only the non-compulsory part of the vested benefit may be paid out, the minimum part as per the standards of the LOB then being required to be transferred to a vested benefit account or policy. However, this minimum part is not lost, as the holder of pension plan savings placed with a vested benefit institution may, within five years of his/her AVS retirement age, ask to receive in cash the whole of his/her old age benefits.

The insured person who leaves Switzerland definitively for a country outside the European Union may ask to receive payment in cash of the whole of his/her vested benefits.

Cross-border workers:
an attestation of cancellation of the cross-border working permit as well as proof of residence

Foreigners:
an attestation of cancellation of the residence permit, together with a proof of residence in the new domicile

Swiss citizens:
an attestation from the residents registration office, together with a proof of residence in the new domicile

The minimum amount is CHF 20,000. An advance payment can be requested every 5 years. The payment period is one week after receipt of all the documents requested.

At the request of the insured person, we will send him/her a letter indicating the maximum amount he/she may withdraw, as well as a form to be completed and returned to us together with the following enclosures:

compulsory:
- recent extract from the land register or draft bill of sale
- for single persons/not bound by a registered partnership, enclose a certificate of civil status (to be requested from the commune of origin).

According to the case :
- mortgage agreement + statement of the debt (paying off a mortgage loan)
- regulations of the cooperative housing company (acquisition of shares)
- estimate (transformation of an apartment/house)
- tax attestation(s) 21 EDP

The insured person must complete the form "Request for calculation of the maximum buyback value" also available on the website www.copre.ch). On receipt we will inform him/her of the maximum amount that can be bought back during the current year.

If it is established that before reaching normal retirement age live-in companions have formed a common life similar to the state of marriage or registered partnership, the surviving person is entitled to a live-in-companion’s pension, subject to the conditions specified in paragraph 2.  

The surviving live-in companion must 

• Fulfil de facto the conditions of marriage in the sense of the Civil Code, or respectively the conditions for registration of a partnership in the sense of the law on registered partnerships;
• receive no survivors’ pension or lump sum in place of a survivors’ pension from any other pension institution ;
• either have formed an uninterrupted common life for the last 5 years preceding the death in a joint household with the insured person, or provide for the maintenance of at least one child who was under joint charge.

Furthermore the provisions relating to the surviving spouse’s pension are applicable to the pension of a live-in companion, subject to the following points:

• A  more favourable situation of the surviving live-in companion compared with that of the surviving spouse or registered partner is excluded;
• The live-in companion pension is not adjusted to price inflation;
• Entitlement to the live-in companion’s pension ceases definitively upon the death of the live-in companion, in the event that the live-in companion marries, founds a relationship of registered partnership, or engages in a new life as a couple similar to marriage before reaching the age of 45;

The payment of a one-time indemnity and the option of a resumption of the payment of the live-in companion’s pension are excluded.

The live-in companion’s pension is only insured if the pension plan provides for a pension for the surviving spouse.