This topic area focuses on the transition from working life to retirement. Key to this is the protection of employed and retired persons by means of the old age provision system. This system is comprised of the old age and survivors' insurance (OASI), occupational pension plans (BV/PP) and the third (3a) pillar (private pensions) and is known as the «three-pillar system».
Key indicators for the topic area «Access to the old age provision system»
Early retirement rates
Benefits from the three pillars of the old age provision system (pensioners)
Only payment of benefits that occurred in the context of retirement.
Definition of pensioners: People who have reached legal retirement age and who receive a benefit from at least one of the pillars of the old age provision system. Source: FSO – SESAM
Benefits from the three pillars of the old age provision system (early retirement)
1 Only persons taking early retirement up to 2 years before legal retirement age.
(Numbers): Statistically only partially reliable
Definition of persons taking early retirement: Persons who have not yet reached legal retirement age and who receive benefits from at least one pillar of the old age provision system.
Source: FSO – SESAM
In the indicator system on old age provision, a person is considered as taking early retirement if she is already receiving a benefit from the old age provision system before having reached legal retirement age. In 2019, 54% were in this situation one year before the normal retirement age (61% of men and 46% of women). If the self-assessment of persons is evaluated irrespective of whether they receive benefits or whether they are employed, only 37% of people of the same age group said that they had taken early retirement (43% of men and 32% of women). For people up to 5 years after legal retirement age, this concerns people who had previously taken early retirement. According to their self-made declarations, 37% of these took early retirement (41% of men and 33% of women).
Almost all pensioners receive OASI benefits. 76% of pensioners receive benefits from an occupational pension fund and almost 40% receive benefits from the pillar 3a. In the indicator system on old age provision, pensioners are defined as persons who have already reached legal retirement age and who receive benefits from the old age provision system. |
|
Total |
Men |
Women |
|---|---|---|---|
OASI benefits |
98.1% |
97.6% |
98.7% |
BV/PP benefits |
76.0% |
82.9% |
69.5% |
Pillar 3a benefits |
39.9% |
45.1% |
34.9% |
Definition of pensioners: People who have reached legal retirement age and who receive a benefit from at least one of the pillars of the old age provision system. Source: FSO – SESAM
Almost 10% of persons taking early retirement receive pensions from the OASI, 31% receive a bridging pension and 38% receive benefits from the pillar 3a. Most persons finance their early retirement from their occupation pension fund (66%).
|
Total |
Men |
Women |
|---|---|---|---|
Early withdrawal of OASI benefit1 |
(10.3%) |
(8.1)% |
(13.2)% |
Bridging pension |
31.4% |
37.4% |
23.4% |
BV/PP benefits |
66.3% |
65.3% |
67.7% |
Pillar 3a benefits |
38.0% |
42.2% |
32.6% |
(Numbers): Statistically only partially reliable
Definition of persons taking early retirement: Persons who have not yet reached legal retirement age and who receive benefits from at least one pillar of the old age provision system.
Source: FSO – SESAM
Further information
Contact
Federal statistical Office Section Income, Consumption and Living ConditionsEspace de l'Europe 10
CH-2010 Neuchâtel
- Tel.
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