Invalidity pension and OPA pension
At Integral, the entitlement to an invalidity pension from your occupational pension plan begins with your entitlement to an invalidity insurance (IV) pension, but at the latest after your salary payments or salary replacement benefits of any kind have stopped. This entitlement expires when your invalidity or your inability to work comes to an end, you reach the statutory retirement age or you die. The amount of the annual invalidity pension is specified in your pension plan.
The invalidity pension from your occupational pension plan is calculated on a specific basis: This is either your annual salary or your retirement assets when you become unable to work. Changes to your degree of invalidity will result in a review and, if necessary, an adjustment of your entitlement to benefits.
As a person insured with the Integral pension fund, you are entitled to:
a full invalidity pension if your degree of invalidity is at least 70 percent under the terms of the invalidity insurance;
an invalidity pension in accordance with your degree of invalidity if it is between 50 and 69 percent;
an invalidity pension of 25 to 47.5 percent if your degree of invalidity is between 40 and 49 percent.
Pension for children of people claiming an invalidity pension
As the recipient of an invalidity pension from Integral, you are entitled to a pension for every child who could claim an orphan’s pension on your death. This is a key part of Integral’s regulations. The pension for children of people claiming an invalidity pension is paid for the same period of time as the invalidity pension or, at the latest, until the entitlement to the orphan’s pension comes to an end. The amount of the pension for children of people claiming an invalidity pension is specified in your pension plan.
Exemption from contributions
Insured people who have been unable to work for at least three months are generally entitled to the continuation of their retirement pension and risk insurance without making contributions. The aim is to relieve the pressure on their finances. Integral will exempt them from making contributions while they are unable to work or earn a living and, at the most, until statutory retirement age.