How are Swiss vested benefits divided during a divorce?

I have been unemployed for some time now and my pension savings are sitting in a vested benefits account. My husband and I have agreed to getting a divorce and now I am wondering what will happen to my pension savings. Do I have to share the money in my vested benefits account with my husband?

Hi there,

During a divorce, 2a pension and cadre insurance savings which have accumulated during the marriage are divided evenly and split between the two people involved.

If the people involved are employed, any money they receive from their spouse's pension savings must be used to close gaps in their pension. If no pension fund gaps exist or if money remains after closing gaps, the remaining money must be placed in one or two vested benefits accounts.

If you are unemployed, the money which you receive from your spouse's pension fund must be placed in one or two vested benefits accounts. You can transfer the money to a pension fund if you become employed or withdraw it from your vested benefits accounts when you reach retirement age.

Note: Pension savings are split regardless of marital agreements regarding the division of assets. The person who is eligible to receive money from their spouse's pension savings can choose to forfeit the splitting. However, the divorce judge will decide whether this is acceptable based on that person's pension savings.

Best regards from Moneyguru

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