Document ID: /roh_data/filtered/swiss_laws_in_ROHinterleaved.jsonl.gz/13384

This text was translated from EN into Rumantsch Grischun.

At any time up to three years before becoming entitled to draw retirement benefits, the employee may claim an amount from his benefits scheme for the purpose of acquiring a property for his own personal use. Employees under the age of 50 may withdraw an amount up to the limit of their transferable benefits. Employees aged 50 or older are entitled to withdraw no more than the transferable benefit entitlement they would have had at 50 or one-half of their transferable benefit entitlement at the time of the early withdrawal.  The employee may also use such amount for the purpose of acquiring shares in a housing cooperative or similar participatory venture provided a residential unit jointly financed in this manner is for the employee’s own personal use. The early withdrawal brings about an immediate reduction in occupational benefit entitlements in accordance with the benefits scheme regulations and the actuarial basis employed by the benefits scheme. In order to avoid a shortfall in benefits cover resulting from this reduction in benefits in the event of death or disability, the benefits scheme offers supplementary insurance either directly or as broker for a third-party insurer. Married employees may make such an early withdrawal and any subsequent establishment of a charge on immovable property only with the written consent of their spouse. Where the employee cannot obtain such consent or if it is withheld, the employee may apply to the civil courts. The same applies to registered partnerships. Where married persons divorce before the benefits fall due, the early withdrawal is deemed a transferable benefit and is divided in accordance with Article 123 of the Civil Code, Articles 280 and 281 CPO and Articles 22–22b of the Vested Benefits Act of 17 December 1993. The same applies in the event of judicial dissolution of a registered partnership. If the early withdrawal or pledge of entitlements jeopardises the liquidity of the benefits scheme, the fund may defer execution of the requests concerned. The benefits scheme must lay down in its regulations the order of priority in which early withdrawals or pledges of entitlements will be deferred in such an event. The Federal Council regulates the details. In other respects Articles 30d, 30e, 30g and Article 83a of the Federal Act of 25 June 1982 on Occupational Old Age, Survivors' and Invalidity Pension Provision are applicable. Inserted by No II of the FA of 17 Dec. 1993 on the Promotion of Home Ownership using Occupational Pension Benefits, in force since 1 Jan. 1995  (AS 1994 2372; BBl 1992 VI 237). Amended by Annex No 1 of the FA of 19 June 2015 (Pension Equality on Divorce), in force since 1 Jan. 2017 (AS 2016 2313; BBl 2013 4887). SR 210 SR 272 SR 831.42 Amended by Annex 1 of the FA of 19 June 2015 (Pension Equality on Divorce), in force since 1 Jan. 2017 (AS 2016 2313; BBl 2013 4887).SR 831.40 Amended by Annex No 1 of the FA of 19 June 2015 (Pension Equality on Divorce), in force since 1 Jan. 2017 (AS 2016 2313; BBl 2013 4887).

Fin 3 onns avant ch’il dretg da survegnir prestaziuns da vegliadetgna cumenza, po il lavurant far valair tar sia instituziun da prevenziun il dretg da survegnir in import per la proprietad d’ina abitaziun per l’agen basegn. Fin al 50avel onn da vegliadetgna dastgan ils lavurants retrair in import fin a l’autezza da la prestaziun da libra circulaziun. Persunas assicuradas ch’èn pli veglias che 50 onns dastgan pretender maximalmain la prestaziun da libra circulaziun, sin la quala ellas avessan il dretg a la vegliadetgna da 50 onns, u la mesadad da la prestaziun da libra circulaziun ch’è s’accumulada il mument da la retratga. Il lavurant po er duvrar quest import per acquistar certificats da participaziun d’ina societad per la construcziun d’abitaziuns u participaziuns sumegliantas, sch’el utilisescha sez l’abitaziun che vegn confinanziada en questa moda. Tras la retratga vegn reducì a medem temp il dretg da survegnir prestaziuns da prevenziun confurm als reglaments da prevenziun e confurm a las basas tecnicas da l’instituziun da prevenziun respectiva. Per evitar che la protecziun da prevenziun giaja a perder en cas da mort u d’invaliditad pervia d’ina reducziun da las prestaziuns, offrescha l’instituziun da prevenziun in’assicuranza supplementara u intermediescha ina tala. Sch’il lavurant è maridà, èn la retratga e mintga ulteriura constituziun d’in dretg da pegn immobigliar mo permessas, sche ses conjugal dat il consentiment en scrit. Sch’i n’è betg pussaivel da survegnir il consentiment u sch’il consentiment vegn refusà, po il lavurant appellar a la dretgira civila. La medema regulaziun vala per partenadis registrads. Sch’ils conjugals vegnan divorziads avant l’entrada d’in cas da prevenziun, vala la retratga anticipada sco prestaziun da libra circulaziun e vegn partida tenor l’artitgel 123 dal Cudesch civil svizzer, tenor ils artitgels 280 e 281 CPC e tenor ils artitgels 22–22b da la Lescha dals 17 da december 1993 davart la libra circulaziun. La medema regulaziun vala per la schliaziun giudiziala d’in partenadi registrà. Sche la retratga anticipada u sche l’impegnaziun mettan en dumonda sia liquiditad, po l’instituziun da prevenziun suspender la liquidaziun da las dumondas correspundentas. En ses reglament fixescha ella in urden da prioritads per la suspensiun da questas retratgas anticipadas respectivamain da questas impegnaziuns. Il Cussegl federal regla ils detagls. Dal rest valan ils artitgels 30d, 30e, 30g ed 83a da la Lescha federala dals 25 da zercladur 1982 davart la prevenziun professiunala per vegls, survivents ed invaliditad.Integrà tras la cifra II da la LF dals 17 da dec. 1993 davart la promoziun da la proprietad d’abitaziuns cun meds da la prevenziun professiunala, en vigur dapi il 1. da schan. 1995 (AS 1994 2372; BBl 1992 VI 237). Versiun tenor la cifra 1 da l’agiunta da la LF dals 19 da zer. 2015 (cumpensaziun da la prevenziun professiunala en cas da divorzi), en vigur dapi il 1. da schan. 2017 (AS 2016 2313; BBl 2013 4887). SR 210 SR 272 SR 831.42 Versiun tenor la cifra 1 da l’agiunta da la LF dals 19 da zer. 2015 (cumpensaziun da la prevenziun professiunala en cas da divorzi), en vigur dapi il 1. da schan. 2017 (AS 2016 2313; BBl 2013 4887).SR 831.40 Versiun tenor la cifra 1 da l’agiunta da la LF dals 19 da zer. 2015 (cumpensaziun da la prevenziun professiunala en cas da divorzi), en vigur dapi il 1. da schan. 2017 (AS 2016 2313; BBl 2013 4887).