How to proceed: report an early retirement

Early retirement

From the age of 58, it is possible to enter early retirement in terms of the occupational pension plan. It must be borne in mind that gainful employment cannot be resumed if you have taken early retirement.

This is how you proceed as an employer

 If your employee wishes to retire early, there are two options available:

  1. Your employee takes full early retirement
  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 a 20% reduction. Since cantonal tax authorities impose higher minimum stages in specific cases (e.g. Zurich imposes a minimum stage of 30%), we recommend that you consult your tax authority.

In both cases, the employee can take a lump-sum payment or decide in favor of a pension payment. In the case of partial-retirement, however, only two partial-retirement steps are possible with withdrawals in the form of a lump sum. The following procedure applies in both cases:

  1. Please report your employee's early retirement with the form Notification of retirement or semi-retirement.
    Notification of retirement or semi-retirement Vita Classic, Vita Relax & Vita Plus 
    Notification of retirement or semi-retirement Vita Invest, Autoinvestment
    Notification of retirement or semi-retirement Vita Invest, with own investment strategy
    Notification of retirement or semi-retirement Vita Select
  2. Please complete the form entirely and send it to:

    Vita Classic, Vita Relax & Vita Plus:
    Zurich Switzerland
    Scanning BVG
    P.O. Box
    8085 Zurich
    bvg@zurich.ch 

    Vita Invest:
    Vita Invest Collective Foundation of Zurich Life Insurance Company Ltd
    P. O. Box
    8085 Zurich
    vitainvest@pfs.ch  

    Vita Select:
    Vita Select Collective Foundation of Zurich Life Insurance Company Ltd
    P. O. Box
    8085 Zurich
    vitaselect@pfs.ch

This is how you proceed as an employee

Please inform your employer about your early retirement so that they can inform us.

We will receive a corresponding form from your employer. As soon as we have it, we will send you all further information directly by mail.

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