If you're no longer able to work after falling ill or having an accident, income will be lost. But expenses will still have to be paid. CSS Loss of Earning Capacity Insurance closes this gap, giving you and your family financial security.
Book consultationIf you suffer a loss of earning capacity due to illness or accident, CSS will pay either a partial or full pension after the agreed waiting period – depending on the degree of loss of earning capacity. At the same time, we’ll continue to pay your premiums during this period.
Often, disability insurance and your pension fund will cover only part of what you were previously earning. You will be left with a gap in your income. CSS Loss of Earning Capacity Insurance helps to close that gap. This is especially important if your income is essential to your family.
The premiums depend on several factors: age, state of health, amount of pension, waiting period and term of insurance.
You don’t just get financial protection, you also get a solution that is tailored to your situation in life.
Loss of earning capacity means you are totally or partially incapable of working due to illness or accident. Your income may drop dramatically. The degree of loss of earning capacity determines how much of a pension you get.
The waiting period is the time from the onset of loss of earning capacity to the first pension payment being made. You can choose between 12 or 24 months: A longer waiting period generally means you pay less in premiums, while a shorter waiting period means you get the money earlier.
Generally, anyone over 18 years of age who is resident in Switzerland. Age and state of health play a role.
Yes. CSS will pay the agreed pension once the waiting period is over if you suffer a loss of earning capacity.
Get in touch with us as soon as you can. We can often adjust your insurance.
The minimum premium is CHF 50 per payment made by you. The minimum pension is CHF 6'000 a year. The insurance must run for at least five years and cannot run beyond age 65.
Yes. In certain cases you can adjust the pension to changes in your life – often without a new health check.
Savings often don’t go far enough. A loss of earning capacity can last for many years. The insurance secures your income over the long term.