In the case of cohabitation or patchwork families, Steeve Partouche recommends analysing your pension situation and clarifying your actual needs in detail.
Although Switzerland has a good social system, the regular social security insurances don't usually provide sufficient protection for survivors in such cases.
Essential points to consider
The unmarried partner in Switzerland who has very little or no income of their own is not sufficiently protected if something were to happen to him/her or to the main earner.
Set up insurances
Daniel Ahmeti and his team of professional insurance advisers at Helvetia are here to offer comprehensive insurance advice tailored to the needs of international people living in Switzerland.
If the main earner should die
1st pillar: no benefits for the partner, but a pension is paid for their own children.
2nd pillar: the benefits must be clarified (minimum period of cohabitation 5 years, actively protect the partner, etc.).
If something happens to the partner
As a homemaker, the partner is performing an unpaid job. If incapacitated due to illness or in case of death, new arrangements for childcare would be necessary, which usually involve considerable costs.
Carry out a professional analysis of your pension situation in the event of death or invalidity
You will need the relevant social insurance and pension fund documents, including the regulations for the employed person.