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As an employee, you are insured against the risks of disability and death from 1 January of the year after your 17th birthday. Your employer pays for this insurance in the form of a risk premium. In some cases, you pay no additional contributions; in others, you share the cost of the premium with your employer.
Lebensereignis Invalidität

What can you expect from PUBLICA if you become disabled?

Entitlement to a pension

In principle, you are entitled to a disability pension if you are declared disabled by Swiss Federal Disability Insurance (IV), the IV decision has acquired legal force, and your employer’s obligation to continue paying your salary has ended.

Disability pension

Degree of disability as per IV decision

Entitlement to pension from PUBLICA

Less than 40%

No pension

from 40%


from 50%


from  60%


from 70% full pension

After your 65th birthday, your disability pension is converted into a retirement pension, which cannot be paid out as a lump sum.

For as long as you are disabled, you and your employer are exempt from paying savings contributions and the risk premium to the extent of the pension entitlement.

Child’s pension

The children of those who receive a retirement, disability or occupational disability pension are entitled to a child’s pension until their 18th birthday. This can be extended until the 25th birthday if the child is still in full-time education or is at least 70% disabled under the terms of the Invalidity Insurance Act. The child’s pension is one sixth of the retirement, disability or occupational disability pension for each eligible child.

Any questions?

If you have any questions about disability, contact a customer advisor from our specialist team:

Gebäude von PUBLICA Nordfassade

Disability specialist team

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