Pensionamento – Cassa pensione

Oltre alla rendita AVS (1° pilastro) e a un’eventuale previdenza privata (3° pilastro) percepite le vostre prestazioni di vecchiaia anche dalla cassa pensione (2° pilastro). È consigliabile prepararsi in anticipo al pensionamento per poter realizzare i propri desideri in vista della terza fase della vita. Potete scegliere in modo flessibile il momento del vostro pensionamento e decidere se ricevere le prestazioni di vecchiaia della cassa pensione sotto forma di rendita vitalizia, di capitale o di una combinazione di entrambi. Scoprite tutte le modalità di richiesta, le scadenze applicabili e come la vostra scelta influisce sull’importo della vostra rendita.

Scelta flessibile della data di pensionamento

Siete voi che decidete quando volete che vi venga versato il vostro avere della cassa pensione. Potete scegliere tra pensionamento ordinario, pensionamento anticipato, pensionamento parziale e pensionamento differito. Vi spieghiamo le particolarità di ciascuna opzione, nonché le modalità e le scadenze di richiesta.
 

1. Pensionamento ordinario

Il pensionamento ordinario è la data regolare in cui si ha diritto alle prestazioni di vecchiaia della cassa pensione (rendita, capitale, combinazione di entrambi).

Nota

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La riforma dell’AVS 21 ha introdotto un’età pensionabile standardizzata (nuova: età di riferimento) di 65 anni per donne e uomini.

  • L’età di riferimento per gli uomini è di 65 anni e decorre dal primo giorno del mese successivo al compimento del 65° anno di età. 
  • L’età di riferimento per le donne sarà gradualmente aumentata di tre mesi all’anno fino al 2028 e sarà quindi di 64 anni + 3 mesi nel 2025.

Esempio: una donna nata il 16 marzo 1961 avrà diritto alla pensione AVS dal 1° luglio 2025.

Particolarità

Aumento graduale dell’età di pensionamento per le donne

A partire dal 1° gennaio 2025, l’età di riferimento per le donne viene aumentata gradualmente di tre mesi all’anno:

nelEtà di riferimento per le donneRiguarda le donne classe
202464 anni (nessun aumento)1960
2025

64 anni + 3 mesi

1961
2026
64 anni + 6 mesi
1962
2027
64 anni + 9 mesi
1963
2028
65 anni
1964 e classi successive

Richiesta e scadenze

La richiesta di prestazioni pensionistiche del fondo pensione deve essere presentata per iscritto. Compilare il modulo di richiesta almeno 3 mesi prima della data normale di pensionamento, firmarlo e inviarlo a:

Cassa pensione GastroSocial | Team Prestazioni di vecchiaia e per superstiti | Casella postale | 5001 Aarau
 

2. Pensionamento anticipato

Vorreste andare in pensione prima. È possibile percepire le prestazioni di vecchiaia della cassa pensione (rendita, capitale, combinazione di entrambi) fino a 5 anni prima dell’età ordinaria di pensionamento (denominata ora «età di riferimento»).

Particolarità

La rendita a vita risulta quindi inferiore, poiché
 

  • il patrimonio non può più continuare a crescere,
  • viene meno la rimunerazione del capitale,
  • il tasso di conversione viene ridotto.

Questa riduzione della rendita può avere un impatto notevole sulla vostra situazione finanziaria. Se intendete quindi andare in pensione anticipatamente occorre esaminare la vostra situazione finanziaria pianificando accuratamente il vostro budget. Con una pianificazione sufficientemente anticipata potete evitare eventuali riduzioni delle prestazioni effettuando riscatti volontari nella cassa pensione.

Richiesta e scadenze

La richiesta delle prestazioni di vecchiaia va inoltrata per iscritto. In caso di prelievo anticipato, la domanda può essere presentata non prima di 3 mesi prima dell'età di pensionamento desiderata. La preghiamo di compilare il modulo di richiesta, di firmarlo e di inviarcelo per posta:

Cassa pensione GastroSocial | Team Prestazioni di vecchiaia e per superstiti | Casella postale | 5001 Aarau
 

Allegati necessari

Si prega di allegare una copia della disdetta di lavoro.

3. Pensionamento differito

Se avete raggiunto l’età ordinaria di pensionamento o l’età di riferimento di 64 o 65 anni e continuate la vostra attività lavorativa potete mantenere la previdenza e percepire le prestazioni di vecchiaia della cassa pensione (rendita, capitale, combinazioni di entrambi) anche in un secondo tempo. Il mantenimento della previdenza è possibile fino alla fine dell’attività lavorativa, tuttavia fino all’età di 70 anni al più tardi.

Particolarità

La rendita a vita risulta quindi più elevata, poiché

  • il capitale può continuare a crescere,
  • il capitale continua a essere remunerato,
  • il tasso di conversione aumenta per ogni anno rimandato.

Richiesta e scadenze

Richiesta anticipata di differimento

La richiesta scritta di differimento del pensionamento o di mantenimento della previdenza deve pervenirci prima del raggiungimento dell’età ordinaria di pensionamento (ora «età di riferimento»).

Versamento

Il modulo summenzionato vi consente di richiedere il differimento solo entro i termini. Per il versamento della prestazione di vecchiaia occorre compilare anche il modulo sottostante e inviarcelo per posta una volta raggiunta l’età di pensionamento desiderata:

Cassa pensione GastroSocial | Team Prestazioni di vecchiaia e per superstiti | Casella postale | 5001 Aarau

4. Pensionamento parziale

È possibile percepire le prestazioni di vecchiaia anche in scatti parziali. Ciò presuppone una riduzione del vostro reddito. Potete farvi pensionare in uno, due o tre scatti parziali.
 

Particolarità

Condizioni:

  • Ogni riduzione del reddito ammonta almeno al 20%.
  • Continuate a svolgere la vostra attività lavorativa con un grado di occupazione del 20% almeno.
  • Fra i singoli scatti parziali trascorre ogni volta almeno 1 anno.

Potete percepire le vostre prestazioni di vecchiaia per ogni scatto di pensionamento parziale o sotto forma di rendita o di capitale.

Richiesta e scadenze

Per ogni scatto di pensionamento parziale occorre inoltrarci

  • la richiesta di pensionamento parziale separatamente e per iscritto
  • entro 1 mese al più tardi da ogni scatto di pensionamento parziale.

Cassa pensione GastroSocial | Team Prestazioni di vecchiaia e per superstiti | Casella postale | 5001 Aarau

Allegati necessari

Si prega di allegare una copia del contratto di lavoro precedente e di quello nuovo che conferma la riduzione del reddito.

Rendita, capitale o entrambi?

Presso la Cassa pensione GastroSocial avete la possibilità di ricevere la prestazione di vecchiaia sotto forma di rendita, di capitale o come combinazione di entrambi. Questa scelta dipende dai vostri obiettivi e dalle vostre esigenze finanziarie individuali. Valutate vantaggi e svantaggi tenendo conto della vostra situazione personale.
 

Prelievo del capitale – cosa bisogna considerare

  • È possibile percepire gli averi della cassa pensione inferiori a CHF 21’000.– circa solo sotto forma di capitale.
  • Il coniuge o il partner registrato deve dare il proprio consenso scritto alla riscossione del capitale.
  • I beneficiari di una rendita d’invalidità non hanno alcun diritto al versamento del capitale.
  • In caso di riscatto nella cassa pensione il prelievo del capitale è bloccato per tre anni.

Richiesta e scadenze

La richiesta di prelievo in capitale deve sempre essere presentata per iscritto alla Cassa pensione GastroSocial prima del primo versamento della rendita.

Per il versamento della prestazione di vecchiaia si prega di compilare il modulo sottostante e di inviarcelo per posta:

Cassa pensione GastroSocial | Team Prestazioni di vecchiaia e per superstiti | Casella postale | 5001 Aarau

A quanto ammontano le mie prestazioni di vecchiaia della cassa pensione?

L’importo delle vostre prestazioni future della cassa pensione dipende da diversi fattori – in particolare dal patrimonio di vecchiaia accumulato, dal momento in cui scegliete di andare in pensione e dalla forma di riscossione (rendita, capitale o una combinazione di entrambi).

  • Se siete attualmente assicurati presso la nostra cassa pensione, potete consultare il vostro certificato di previdenza per conoscere un calcolo indicativo delle prestazioni in caso di pensionamento ordinario. Il certificato vi viene inviato ogni anno.
  • Desiderate un calcolo non vincolante delle vostre prestazioni previste in caso di pensionamento anticipato, posticipato o con un prelievo parziale in capitale? In tal caso, scriveteci all’indirizzo alp@gastrosocial.ch. Il nostro team specializzato sarà lieto di elaborare per voi un calcolo personalizzato della vostra futura rendita o del capitale, sulla base dei vostri attuali dati di previdenza professionale.

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