Sudden incapacity to work due to illness or an accident can have serious financial consequences. The Swiss pension system offers various benefits to help secure your livelihood.
These benefits are provided by disability insurance (IV), the pension fund, accident insurance (UVG), or daily sickness benefits insurance (KTV). In addition, voluntary risk insurance can enhance your level of financial protection.
To strengthen your personal pension provision, an advance care directive and a power of attorney are important tools to ensure clarity in case of an emergency.
A case of disability requires sound planning and the right combination of benefits to be financially protected.
Make pension provisions in time to provide for the event of disability.
Analyze your existing insurance coverage and entitlements from AHV, pension fund, accident insurance, and daily sickness benefits insurance.
Identify pension gaps.
Support in submitting applications for disability insurance, notifying the pension fund, and communicating with insurers.
Advice on voluntary risk insurance to cover individual needs.
Help in creating an advance care directive and power of attorney to be prepared for cases of emergency.
Discover the key aspects of adult protection law, which safeguards your autonomy and dignity should you no longer be able to manage your own affairs. Learn about the tools available to ensure that, even during a challenging time, your personal wishes and needs are respected.
(in German)
Glamorous – yet down-to-earth: Entrepreneur and entertainer Alf Heller talks to us about financial planning, pension provision, and the question nobody ever asks, but that concerns us all: What about a power of attorney?
(in German)
Entrepreneur and entertainer Alf Heller explains why he wrote a power of attorney.
(in German)
Learn how the right tools under adult protection law can help you stay self-determed – even if you are no longer able to make decisions for yourself one day.
(in German)
Who should decide on your behalf if you are no longer able to do so? This is precisely what a power of attorney governs, in a clear, legally sound manner and with foresight.
(in German)
Early succession arrangements reduce the risk that unexpected disability might jeopardize the future of one's company.
(in German)
Your advantages with smzh for disability benefits:
Protect yourself comprehensively for the event of disability – smzh is by your side.
We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.
You are eligible if your ability to work is reduced long term by at least 40%. We support you in filing your application.
The amount is based on the insured salary and mentioned separately on your pension fund statement.
Accident insurance pays a disability pension, a compensation for impairment of integrity, and, if applicable, a care allowance.
A power of attorney defines who is to manage your affairs in case you become unable to do so. smzh helps you draw up such a document.
Voluntary insurance options provide additional financial security, for instance by providing a disability lump-sum payment or a disability pension.