Abendrot Foundation updates regulations on benefits; continued insurance after leaving at age 58

Abendrot Foundation updates regulations on benefits; continued insurance after leaving at age 58

Regulations on benefits

Status: 01/08/2026

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Content Definitions ……………………………………………………………………………………………………………. 5 1. General provisions …………………………………………………………………………………………. 5 Art. 1 Name and purpose………………………………………………………………………………………………………………… 5 Art. 2 Scope of the regulations ………………………………………………………………………………………………………… 6 Art. 3 Affiliation contract and employers ……………………………………………………………………………………………. 6 2. Enrolment and insurance cover ………………………………………………………………………. 6 Art. 4 Insured persons ……………………………………………………………………………………………………………………. 6 Art. 5 Beginning and end of insurance ………………………………………………………………………………………………. 6 Art. 5a Continuation of insurance upon leaving the Abendrot Foundation after the age of 58 (notice of termina- tion by employer) ………………………………………………………………………………………………………………………………. 6 Art. 6 Health check upon enrolment …………………………………………………………………………………………………. 7 Art. 7 Health proviso and breach of obligation to notify ……………………………………………………………………….. 8 Art. 8 Health proviso in the event of amendments to the pension plan or salary increases ……………………….. 8 3. Applicable and pensionable salary ………………………………………………………………….. 9 Art. 9 Applicable salary …………………………………………………………………………………………………………………… 9 Art. 10 Temporary reduction of applicable salary …………………………………………………………………………………. 9 Art. 11 Pensionable salary ………………………………………………………………………………………………………………… 9 Art. 12 Applicable salary for partial incapacity for work and partial disability …………………………………………….. 9 Art. 13 Applicable salary for part-time employees ………………………………………………………………………………. 10 Art. 14 Continued insurance for salary reductions ………………………………………………………………………………. 10 Art. 15 Pensionable income of self-employed persons ………………………………………………………………………… 10 Art. 16 Benefit statement ………………………………………………………………………………………………………………… 10 4. Pension benefits…………………………………………………………………………………………….11 4.1 General ……………………………………………………………………………………………………………………………… 11 Art. 17 Benefits ……………………………………………………………………………………………………………………………… 11 Art. 18 Benefit categories ……………………………………………………………………………………………………………….. 11 4.2 Retirement benefits ……………………………………………………………………………………………………………………. 11 Art. 19 Retirement benefits ……………………………………………………………………………………………………………… 11 Art. 20 Amount of retirement pension ……………………………………………………………………………………………….. 11 Art. 21 Child’s pension ……………………………………………………………………………………………………………………. 12 Art. 22 Early retirement …………………………………………………………………………………………………………………… 12 Art. 22a OASI bridging pension …………………………………………………………………………………………………………. 12 Art. 23 Semi-retirement ………………………………………………………………………………………………………………….. 13 Art. 24 Purchase to eliminate benefit reductions ………………………………………………………………………………… 13 Art. 25 Continued insurance past regulatory retirement age ………………………………………………………………… 13 Art. 26 Lump-sum withdrawal ………………………………………………………………………………………………………….. 14 4.3 Survivors’ benefits ……………………………………………………………………………………………………………………… 14 Art. 27 Conditions ………………………………………………………………………………………………………………………….. 14 Art. 28 Spouses and registered partnerships……………………………………………………………………………………… 14

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Art. 29 Unmarried life partner ………………………………………………………………………………………………………….. 14 Art. 30 Amount of the surviving partner’s pension ………………………………………………………………………………. 15 Art. 31 Pension reduction ……………………………………………………………………………………………………………….. 15 Art. 32 Childcare pension ……………………………………………………………………………………………………………….. 15 Art. 33 Pension for divorced spouse …………………………………………………………………………………………………. 15 Art. 34 End of surviving partner’s pension …………………………………………………………………………………………. 15 Art. 35 Lump-sum death benefit ………………………………………………………………………………………………………. 16 Art. 36 Beneficiaries to lump-sum death benefit …………………………………………………………………………………. 16 Art. 37 Additional lump-sum death benefit …………………………………………………………………………………………. 17 Art. 38 Orphan’s pension ………………………………………………………………………………………………………………… 17 Art. 39 Eligibility for orphan’s pension ……………………………………………………………………………………………….. 17 Art. 40 Amount of orphan’s pension………………………………………………………………………………………………….. 17 Art. 41 End of claim to an orphan’s pension ………………………………………………………………………………………. 17 4.4. Disability benefits ……………………………………………………………………………………………………………………… 17 Art. 42 Conditions ………………………………………………………………………………………………………………………….. 17 Art. 43 Amount of disability pension …………………………………………………………………………………………………. 18 Art. 44 Beginning of benefits……………………………………………………………………………………………………………. 18 Art. 44a Temporary discontinuation of pension payments …………………………………………………………………….. 18 Art. 45 Duration of disability pension ………………………………………………………………………………………………… 18 Art. 46 Disabled person’s child’s pension ………………………………………………………………………………………….. 19 Art. 47 Duration of disabled person’s child’s pension ………………………………………………………………………….. 19 5. Common provisions applying to benefits ………………………………………………………..19 Art. 48 Payment of benefits …………………………………………………………………………………………………………….. 19 Art. 49 Eligible recipients of benefits and place of performance ……………………………………………………………. 19 Art. 50 Adjustment of pensions to Inflation ………………………………………………………………………………………… 19 Art. 51 Proof of entitlement ……………………………………………………………………………………………………………… 20 Art. 52 Advance withdrawal or pledging of benefits to finance residential property, assignment and set-off … 20 Art. 53 Excess compensation and coordination with other insurance benefits ………………………………………… 20 Art. 54 Reduction of benefits …………………………………………………………………………………………………………… 21 Art. 55 Subrogation and recourse …………………………………………………………………………………………………….. 21 Art. 56 Repayment of benefits wrongfully received ……………………………………………………………………………… 21 6. Division of pension assets during divorce ……………………………………………………….22 Art. 57 Principles …………………………………………………………………………………………………………………………… 22 Art. 58 Active insured persons …………………………………………………………………………………………………………. 22 Art. 59 Disability before regulatory retirement age ………………………………………………………………………………. 22 Art. 60 Recipients of retirement pensions and disabled persons after regulatory retirement age ……………….. 23 Art. 61 Pension from division of retirement assets ………………………………………………………………………………. 23 7. Financing ………………………………………………………………………………………………………24 Art. 62 Pension costs ……………………………………………………………………………………………………………………… 24 Art. 63 Savings contributions …………………………………………………………………………………………………………… 2