A disability pension is paid to people who are partially unable or no longer able to work due to illness or accident on a permanent basis. If an accident is the cause of the disability, benefits are paid by the disability insurance (DI) and the employer's accident insurance. If the disability occurs due to an illness, the benefits from the DI and the employer's pension fund come into play. In both cases, the pension fund takes over the payment of contributions after a waiting period, so that payments can continue to be made for retirement benefits. Depending on the degree of impairment, those affected receive a pro rata pension. In both the 1st and 2nd pillars, pensions are only paid out from a degree of disability of 40 percent. With Vita, however, a pension is paid from a degree of disability of 25 percent. A full pension is paid from a disability level of 70 percent. Benefits under the occupational retirement provision (2nd pillar) are based on the degree of disability determined by the DI authority. Both the 1st and 2nd pillar have a target of around 60 percent of the last salary. For many people, however, benefits from the 1st and 2nd pillars alone do not prove sufficient to maintain their accustomed standard of living in the event of disability. Because of this, protection can be supplemented by a private disability pension under the 3rd pillar.