Divorce

Divorce

What to do in the event of a divorce

When an employee gets divorced, the pension savings which have been accumulated during married life can be splitted. For divorce proceedings, the court usually requires a feasibility declaration, which includes details about the pension savings and all of the relevant information for the court.

This is how you proceed as an employer

As an employer you are not required to do anything. Your employees must take action themselves or the court will carry out the necessary clarifications ex officio.

The feasibility declaration contains, for example, a calculation of the retirement savings capital saved for the duration of the marriage.

To prepare the document we need:

  • The date of marriage
  • The date of initiation of the divorce process
  • The address for service

The feasibility declaration is then presented to the divorce judge.

As soon as we have received the decree of divorce, we will transfer the savings assets. Once we have transferred a portion of the pension savings to the ex-spouse, we will send the employee an updated pension certificate. For you as an employer, this is likely to result in a slight change to the monthly risk costs premium.

This is how you proceed as an employee

You have a new employer and a new pension plan

  1. Please order the feasibility document from us in writing.     
  2. Please send your request to:

    Zurich Insurance Company Ltd
    Help Point BVG
    P.O. Box
    8085 Zurich
    bvg@zurich.ch

Your next steps

As soon as we have received a final judgment from a Swiss court stating that you are divorced, we will make the payment. Once we have transferred the portion of your pension savings specified in the judgment to your ex-spouse, we will send you an updated pension certificate.

If the divorce payment to your ex-spouse results in a pension shortfall, you can offset this at any time through a voluntary top-up. Topping up your pension by the amount paid to your ex-spouse is not subject to the statutory restrictions.

Online employee pension plan

As simple as e-banking

  • Manage your contracts and data regarding pension planning
  • Plan your liquidity on a basis of a daily updated balance
  • Calculate comfortably the contribution for new employees online

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