Deferred retirement

Deferred retirement

Later retirement

Women and men may remain in gainful employment after reaching ordinary retirement age, but not after the age of 70. If it is provided for in their pension plan, then they can still make contributions toward their pension. However, it is not possible to continue the insurance of risk benefits (death and disability). It is possible to defer retirement if gainful employment is continued.

This is how to proceed as an employer

Your employees can defer retirement for up to five years after reaching ordinary retirement age in the pension fund and can continue to build up additional retirement assets.
However, it is not possible to continue the insurance of risk benefits (death and disability).

There are two options for deferring retirement:

  1. The time of retirement is deferred.
  2. Your employee takes partial-retirement; the workload can be reduced in up to three partial steps and each partial step must account for at least 20 %. Since cantonal tax authorities impose higher minimum stages in specific cases (e.g. the Canton of Zurich imposes a minimum stage of 30%), we recommend that you consult your tax authority.

Please report your employee's deferred retirement by phone at the number 0800 80 80 80 or send us an email to


Deferred retirement can be either with or without the continuing payment of savings contributions. However, deferred retirement where the employee remains liable for contributions may require an adjustment to the pension plan.

What might also interest you

Standard retirement

You are retiring at 64 or 65 years of age. Find out here what has to be done for a standard retirement.

Partial retirement

You have the opportunity to enter retirement in phases between the ages of 58 and 70. You can learn more about this here.

Early retirement

You would like to take early retirement.  Here you can learn what to do and how you can finance this.