Pagamento in contanti dell’avere della cassa pensione

L’avere di vecchiaia accumulato nella cassa pensione serve come reddito dopo il pensionamento e viene versato sotto forma di rendita o di capitale. Il prelievo anticipato è consentito solo a determinate condizioni, come l’avvio di un’attività lavorativa indipendente, la partenza definitiva dalla Svizzera, un importo esiguo dell’avere o la percezione di una rendita intera dell’Assicurazione invalidità (AI) senza diritto a una rendita d’invalidità della cassa pensione.

Condizioni per un prelievo anticipato

Lavoro indipendente

Iniziate un’attività lavorativa indipendente come attività principale. Vi segnaliamo che il versamento è possibile soltanto entro un anno dall’inizio dell’attività lucrativa indipendente.

Partenza definitiva dalla Svizzera

Lasciate definitivamente la Svizzera per andare a vivere all’estero. In questo caso, se lo volete, potete farvi versare l’avere della cassa pensione. 

Se il Paese di destinazione è situato nell’UE/AELS, il versamento è limitato alla parte sovraobbligatoria del vostro avere della cassa pensione. Potete prelevare il vostro avere di risparmio obbligatorio solo se nel rispettivo Paese membro dell’UE/AELS non sussiste un’assicurazione per le conseguenze di vecchiaia, decesso e invalidità.

Posso farmi pagare il mio avere della cassa pensione in caso di viaggio intorno al mondo?

In caso di viaggio intorno al mondo, durante il quale vivete all’estero non in via permanente, il pagamento dell’avere della cassa pensione non è possibile. Il pagamento è previsto solo in caso di uscita definitiva dalla Svizzera. Poiché un viaggio intorno al mondo solitamente è temporaneo e vi è l’intenzione di ritornare prima o poi in Svizzera, non sono soddisfatte le condizioni richieste per il pagamento. Per ottenere il pagamento dovete essere in grado di dimostrare di vivere all’estero in via permanente.

Importo esiguo

Il vostro avere della cassa pensione è inferiore al vostro contributo personale annuo. Se la vostra affiliazione alla previdenza professionale è durata solo breve tempo, il vostro avere della cassa pensione è probabilmente inferiore al vostro contributo personale annuo. In questo caso e su richiesta potete farvelo versare.

Rendita d’invalidità

Percepite da almeno 6 mesi una rendita intera dell’Assicurazione federale per l’invalidità (AI) senza avere diritto alla rendita d’invalidità di una cassa pensione.

Richiesta

Si prega di compilare il modulo di richiesta. Non appena avremo ricevuto la vostra documentazione debitamente compilata nonché firmata e se tutte le condizioni sono soddisfatte provvederemo al trasferimento di regola entro 30 giorni.

Quanto tempo ci vuole perché il mio avere della cassa pensione mi venga pagato?

Avete fatto richiesta di pagamento in contanti del vostro avere della cassa pensione; il momento del pagamento dipende dal motivo per cui volete prelevare il vostro denaro dalla cassa pensione.

Motivo: attività lucrativa indipendente, importo esiguo, invalidità al 100%

Una volta che abbiamo ricevuto tutti i documenti necessari e se le condizioni sono soddisfatte, versiamo il vostro avere della cassa pensione di regola entro 30 giorni. Tale principio vale per richieste per:

  • Attività lucrativa indipendente
  • Importo esiguo
  • Invalidità al 100 %


Motivo: partenza definitiva per uno Stato UE o AELS

Se lasciate la Svizzera in via definitiva e vi trasferite o vi siete trasferiti in un Paese UE o AELS, vi inviamo entro 30 giorni il modulo di richiesta per i chiarimenti con il fondo di garanzia. Tali chiarimenti possono richiedere fino a 6 mesi.

Per eventuali domande concernenti lo stato della vostra pratica vi preghiamo di rivolgervi direttamente al Fondo di garanzia LPP a Berna:
031 380 79 71 
verbindungsstelle.ch

Nota

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«Quanto denaro ho accumulato nella cassa pensione?»

Volete sapere a quanto ammonta attualmente il vostro avere della cassa pensione? Ci sono due modi semplici per scoprirlo:

  1. Controllare il certificato di previdenza: date un’occhiata al vostro certificato di previdenza. Nella sezione «Conto di vecchiaia», nella colonna «Totale», trovate il vostro avere di vecchiaia attuale alla voce «Stato al 31.12.xxxx». Qui potete accedere al nostro certificato di previdenza interattivo che illustra le cifre in modo chiaro.
  2. Richiedere l’estratto conto della cassa pensione: ordinate gratuitamente un estratto conto individuale della cassa pensione. Trovate il vostro attuale avere di vecchiaia alla fine della tabella nel documento. Ordinare subito

I vostri soldi presso la cassa pensione

Consulenza e assistenza

Per una consulenza o eventuali domande non esitate a contattarci.

Lunedì – Venerdì
ore 08.00 – 11.45
ore 13.30 – 16.30

Documenti e Links

Gaston