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Old 23.02.2016, 20:06
DiSoGEGM DiSoGEGM is offline
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Re: Vested benefits account

Thank you all for your answers.

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If you've only been here 18 months then the money does not need to stay here; that only applies to people who have been here for more than a certain period (I think 5 years, but maybe more).
Once you get your deregistration confirmation from the Gemeinde you can submit it to your workplace and they will pay a cash lump sum to your account.
Kitcat: Apparently, "Since 1 June 2007, cash payment of the entire vested benefits due to persons leaving Switzerland permanently can only be made if the person concerned is no longer subject to mandatory retirement, surviving dependantsí and disability insurance in an EU member state, Iceland or Norway. If you move to an EU member state, Iceland or Norway, you can only receive cash payment of your vested benefits under the compulsory (BVG/LOB) occupational pension scheme if you can demonstrate that you are not subject to mandatory state retirement, surviving dependantsí and disability insurance in the country concerned. If you are not able to do this, only that part of your vested benefits that exceeds the statutory minimum (non-compulsory component) can be paid out in cash. The remaining benefits must be transferred to an account in your name at a vested benefits institution in Switzerland.".
Therefore, going back to Spain, EU member state, I can cash some of my money, but the other has to stay here until I retire. I'll have a look at Post Finance for the account, then.
Thanks a lot!
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