F.A.Qs | CERN Pension Fund

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class="row layout">    <div class="content"> <div class=col-md-12> <div class="region region-content"> <div data-drupal-messages-fallback class="hidden"></div> <div id="block-pension-fund-content" class="block block-system block-system-main-block"> <div class="content"> <article data-history-node-id="68" about="/en/faqs" typeof="schema:WebPage" class="node node--type-page node--view-mode-full"> <span property="schema:name" content="F.A.Qs" class="hidden"></span> <span property="schema:name" content="F.A.Qs" class="hidden"></span> <div class="node__content"> </div> </article> </div> </div> <div class="views-element-container block block-views block-views-blockchildren-pages-block" id="block-pension-fund-views-block-children-pages-block"> <div class="content"> <div><div class="children-pages-cards flex-container js-view-dom-id-49466847dce35719cb24c21c444d96b8fd6177b16daeb4a2ca1c380f70166602"> </div> </div> </div> </div> <div class="views-element-container block block-views block-views-blockfaqs-general-listing-grandparent--block-1" id="block-pension-fund-views-block-faqs-general-listing-grandparent-block-1"> <div class="content"> <div><div class="faq-view-wrapper faq-grandparent js-view-dom-id-a98ae4186b6fb85becb3f045b969d4e98c1788d9e483bf871aee5f3a1603d8f7"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-a98ae4186b6fb85becb3f045b969d4e98c1788d9e483bf871aee5f3a1603d8f7"><h2 class="field-content">Members</h2></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-parent js-view-dom-id-90a99a6588e19f89e1671d238828f401ef2d4c297c4dded77d61e9ee4c681884"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-90a99a6588e19f89e1671d238828f401ef2d4c297c4dded77d61e9ee4c681884"><h3 class="field-content">Newcomers</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-ba0a24358c6074501c051cf64252e6a4c9c06d712ae57407b63cf7e4f7ae5806"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-ba0a24358c6074501c051cf64252e6a4c9c06d712ae57407b63cf7e4f7ae5806"><h3 class="field-content">Who can join the Fund?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p><span>Only employed members of the CERN personnel (fellow or staff) and employed members of ESO (fellow or staff), in accordance with the CERN/ESO Agreement.</span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-ba0a24358c6074501c051cf64252e6a4c9c06d712ae57407b63cf7e4f7ae5806"><h3 class="field-content">How do I Join the Fund?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>As an employed member of the CERN/ESO personnel (fellow or staff), subject to the conditions specified in the CERN/ESO Agreement, you will automatically join the Fund, as membership is compulsory. Your contribution is automatically deducted from your monthly salary.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-ba0a24358c6074501c051cf64252e6a4c9c06d712ae57407b63cf7e4f7ae5806"><h3 class="field-content">How is my contribution to the Fund calculated?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p> </p> <p><span lang="EN-US"><strong>As a CERN/ESO staff member or ESO fellow</strong>, contributions are based on your monthly CHF <u>reference salary</u> and calculated using the following rates:</span></p> <p><span lang="EN-US">   </span><span lang="EN-US">a)    If you joined the Fund on or before 31 December 2011:</span></p> <p><span lang="EN-US">      </span><span lang="EN-US">o    Member: 11.33%</span></p> <p><span lang="EN-US">      o    Organisation: 22.67%</span></p> <p><span lang="EN-US">   b)    If you joined the Fund on or after 1 January 2012:</span></p> <p><span lang="EN-US">      o    Member: 12.64%</span></p> <p><span lang="EN-US">      o    Organisation: 18.96%</span></p> <p><span lang="EN-US"><strong>As a CERN fellow</strong>, your contributions are based on a fixed <u>reference salary</u> of 6291 CHF and calculated using the rates above.</span></p> <p><span lang="EN-US"><strong>As a CERN GRAD</strong>, your contributions are based on a fixed <u>reference salary</u> of 5679 CHF and calculated using the rates above.</span></p> <p> </p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-90a99a6588e19f89e1671d238828f401ef2d4c297c4dded77d61e9ee4c681884"><h3 class="field-content">Contributions</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-5574a9e4a1c8463898d7619f9e74888204b54e16a425790a4456a6df24a83f12"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-5574a9e4a1c8463898d7619f9e74888204b54e16a425790a4456a6df24a83f12"><h3 class="field-content">How can I calculate my reference salary?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>As an employed member of the CERN/ESO personnel, the reference salary is: basic salary for 40 hours per week multiplied by the applicable C factor.</p> <p>If you are a CERN fellow (junior or senior), the reference salary is: 4722 CHF multiplied by the applicable C factor, which is 1.3322.</p> <p>If you are a CERN GRAD, the reference salary is: 4263 CHF multiplied by the applicable C factor, which is 1.3322.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-5574a9e4a1c8463898d7619f9e74888204b54e16a425790a4456a6df24a83f12"><h3 class="field-content">Where can I find my C Factor?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>You can find it on the “<a href="https://cfactorcalculator.web.cern.ch">C Factor calculator” webpage</a> or in <a href="https://pensionfund.cern.ch/sites/pensionfund.web.cern.ch/files/2019-02/Annex_A.pdf">Annex A</a> of the <a href="https://pensionfund.web.cern.ch/sites/pensionfund.web.cern.ch/files/2019-02/PF%20Rules%20%26amp%3B%20Regulations%20-%20Amended%20version%2014.6.2018%20-%20color%20-final.pdf">CERN Pension Fund Rules and Regulations</a></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-5574a9e4a1c8463898d7619f9e74888204b54e16a425790a4456a6df24a83f12"><h3 class="field-content">How is my contribution to the Fund calculated?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p> </p> <p><span lang="EN-US"><strong>As a CERN/ESO staff member or ESO fellow</strong>, contributions are based on your monthly CHF <u>reference salary</u> and calculated using the following rates:</span></p> <p><span lang="EN-US">   </span><span lang="EN-US">a)    If you joined the Fund on or before 31 December 2011:</span></p> <p><span lang="EN-US">      </span><span lang="EN-US">o    Member: 11.33%</span></p> <p><span lang="EN-US">      o    Organisation: 22.67%</span></p> <p><span lang="EN-US">   b)    If you joined the Fund on or after 1 January 2012:</span></p> <p><span lang="EN-US">      o    Member: 12.64%</span></p> <p><span lang="EN-US">      o    Organisation: 18.96%</span></p> <p><span lang="EN-US"><strong>As a CERN fellow</strong>, your contributions are based on a fixed <u>reference salary</u> of 6291 CHF and calculated using the rates above.</span></p> <p><span lang="EN-US"><strong>As a CERN GRAD</strong>, your contributions are based on a fixed <u>reference salary</u> of 5679 CHF and calculated using the rates above.</span></p> <p> </p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-5574a9e4a1c8463898d7619f9e74888204b54e16a425790a4456a6df24a83f12"><h3 class="field-content">Where can I find my CHF reference salary?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>As a member of the CERN personnel, your reference salary can be found on your payslip under “CONTRIB. PENSION”.</p> <p>As a member of the ESO personnel, you can calculate your reference salary using the data provided on your payslip under “Pension CERN” (basic salary in CHF x C factor).</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-5574a9e4a1c8463898d7619f9e74888204b54e16a425790a4456a6df24a83f12"><h3 class="field-content">Can I increase or decrease my contributions or stop contributing to the Fund?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>The contribution rates are defined in the CERN Pension Fund Rules and Regulations. Only in certain cases (such as unpaid special leave, parental leave, part-time work, etc.) will you have the option to suspend or reduce your contributions.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-90a99a6588e19f89e1671d238828f401ef2d4c297c4dded77d61e9ee4c681884"><h3 class="field-content">My Benefits</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">I am working part time. What is the impact on my benefits?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>If you decide to continue to contribute at 100%, there is no impact on your benefits.</p> <p>If you decide to contribute pro rata, your benefits will be reduced accordingly, due to the reduced level of contributions.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">I am leaving on unpaid special/parental leave. What is the impact on my benefits?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>If you decide to continue to contribute at 100%, there is no impact on your benefits.</p> <p>If you decide to contribute pro rata, your benefits will be reduced accordingly, due to the reduced level of contributions.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">What is the applicable retirement age?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>For members who joined the Fund:</p> <ul> <li>before 1 January 2012, the official retirement age is 65;</li> <li>on or after 1 January 2012, the official retirement age is 67.</li> </ul> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">What is the maximum period of membership?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p><span lang="EN-US">For members who joined the Fund:</span></p> <ul> <li><span lang="EN-US">before 1 January 2012: 35 years;</span></li> <li><span lang="EN-US"></span>on or after 1 January 2012: 37 years and 10 months.</li> </ul> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">Can I take my pension before the applicable retirement age and, if so, when? What is the impact on my benefits? </h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>You can ask for an anticipated retirement pension:</p> <ul> <li>as from 50 years of age, if you joined the fund before 1 January 2012</li> <li>as from 52 years of age, if you joined the fund on or after 1 January 2012.</li> </ul> <p><a href="/amount-anticipated-retirement-pension-article-ii-205">A reduction factor is applied to your benefits.</a> </p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">Do I have to pay taxes on my transfer value? </h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Pensions and other benefits, such as transfer value, are taxable under conditions defined in the national fiscal legislation which is applicable to the person concerned.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">I am affiliated to the CERN life insurance. Can I remain a member when I leave? </h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Yes, if you become a beneficiary of a retirement or disability pension and as long as you have been affiliated for at least five years before your contract end date.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-29fa8e42c354f104eb91bd22bfb436cb533ac120085fca738a1db33b694d9a92"><h3 class="field-content">I would like to increase my benefits. How can I do this?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><ul> <li>Transfer from another pension scheme: the CERN Pension Fund accepts transfers from worldwide pension schemes. Please contact your previous pension scheme to make sure that the transfer can be made.</li> <li>Own fund purchase: you have the option to buy periods of membership with your own funds. This kind of purchase is calculated according to a rate and based on your reference salary at the time of the request, your age at the time of the request and your age when your membership began. The purchase can be paid for in either a lump sum or instalments (payment in instalments will be subject to interest and must not exceed three years).</li> </ul> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-90a99a6588e19f89e1671d238828f401ef2d4c297c4dded77d61e9ee4c681884"><h3 class="field-content">My Family Benefits</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-907707169a4e8e78b516542d791423a5d4eacf8283c14eb77a1b9b8598c23da4"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-907707169a4e8e78b516542d791423a5d4eacf8283c14eb77a1b9b8598c23da4"><h3 class="field-content">Do my spouse and children have rights in the event of my death?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Your spouse has the right to a surviving spouse’s pension if your marriage lasts for at least a year (unless you have dependent children, in which case this condition does not apply).</p> <p>Your children have the right to an orphan’s pension for as long as they are considered as dependent.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-907707169a4e8e78b516542d791423a5d4eacf8283c14eb77a1b9b8598c23da4"><h3 class="field-content">In the event of divorce, does my ex-spouse still have rights in the event of my death?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Your ex-spouse has rights after your death only if you were paying maintenance, if she/he is at least 45 years of age and if the marriage lasted for at least 10 years.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-90a99a6588e19f89e1671d238828f401ef2d4c297c4dded77d61e9ee4c681884"><h3 class="field-content">Purchase/Transfer from other scheme</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-af8aabb0c9d8995b056d8cfd087f921b44bb01f0b985ade3d5c69d06fa1d6641"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-af8aabb0c9d8995b056d8cfd087f921b44bb01f0b985ade3d5c69d06fa1d6641"><h3 class="field-content">Before coming to CERN, I contributed to other pension schemes. Can I transfer other pension assets into the CERN Pension Fund?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Yes, the CERN Pension Fund accepts transfers from pension schemes in which provision is made for contributions by the employer. Please first contact your previous scheme to ensure that a transfer to the CERN Pension Fund is permitted (as some schemes do not allow this).</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-af8aabb0c9d8995b056d8cfd087f921b44bb01f0b985ade3d5c69d06fa1d6641"><h3 class="field-content">I would like to fill gaps in my pension during my career. How can I do this?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><ul> <li>Transfer from another pension scheme: the CERN Pension Fund accepts transfers from pension schemes in which provision is made for contributions by the employer. Please contact your previous pension scheme to ensure that a transfer is permitted.</li> <li>Purchase using own funds: if you have already accrued five years of service, you have the option to buy added periods of membership with your own funds. This type of purchase is calculated according to rates defined in chapter III of the Fund’s Regulations and your reference salary at the time of the request. </li> </ul> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-90a99a6588e19f89e1671d238828f401ef2d4c297c4dded77d61e9ee4c681884"><h3 class="field-content">C-Factor</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-78db0728462a519aa8efec183cfa22099d783e5b639c89768cf2a0fb831fc8ff"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-78db0728462a519aa8efec183cfa22099d783e5b639c89768cf2a0fb831fc8ff"><h3 class="field-content">Where can I find my C Factor?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>You can find it on the “<a href="https://cfactorcalculator.web.cern.ch">C Factor calculator” webpage</a> or in <a href="https://pensionfund.cern.ch/sites/pensionfund.web.cern.ch/files/2019-02/Annex_A.pdf">Annex A</a> of the <a href="https://pensionfund.web.cern.ch/sites/pensionfund.web.cern.ch/files/2019-02/PF%20Rules%20%26amp%3B%20Regulations%20-%20Amended%20version%2014.6.2018%20-%20color%20-final.pdf">CERN Pension Fund Rules and Regulations</a></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-78db0728462a519aa8efec183cfa22099d783e5b639c89768cf2a0fb831fc8ff"><h3 class="field-content">Where can I find my CHF reference salary?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>As a member of the CERN personnel, your reference salary can be found on your payslip under “CONTRIB. PENSION”.</p> <p>As a member of the ESO personnel, you can calculate your reference salary using the data provided on your payslip under “Pension CERN” (basic salary in CHF x C factor).</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-78db0728462a519aa8efec183cfa22099d783e5b639c89768cf2a0fb831fc8ff"><h3 class="field-content">How can I calculate my reference salary?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>As an employed member of the CERN/ESO personnel, the reference salary is: basic salary for 40 hours per week multiplied by the applicable C factor.</p> <p>If you are a CERN fellow (junior or senior), the reference salary is: 4722 CHF multiplied by the applicable C factor, which is 1.3322.</p> <p>If you are a CERN GRAD, the reference salary is: 4263 CHF multiplied by the applicable C factor, which is 1.3322.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-a98ae4186b6fb85becb3f045b969d4e98c1788d9e483bf871aee5f3a1603d8f7"><h2 class="field-content">Beneficiaries</h2></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-parent js-view-dom-id-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">Future/New Beneficiaries</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-c0a5776c8928323a142f369f0abba4e8fedb3f0f3c32343be7e4698dacb61ea8"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-c0a5776c8928323a142f369f0abba4e8fedb3f0f3c32343be7e4698dacb61ea8"><h3 class="field-content">When do I receive my statement of declaration of income?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>In February each year, you will receive a “Statement of declaration of your income”.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">My Benefits</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-8c63edacb32507cfd3534f60d96b36f748dd106888460bdc50cdba3c219e0a93"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-8c63edacb32507cfd3534f60d96b36f748dd106888460bdc50cdba3c219e0a93"><h3 class="field-content">I am entitled to a deferred retirement pension and would like to receive it as an anticipated retirement pension, what should I do? </h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Please contact the Benefits Service at least three months before the chosen anticipated retirement date.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-8c63edacb32507cfd3534f60d96b36f748dd106888460bdc50cdba3c219e0a93"><h3 class="field-content">Where can I find the Swiss franc/Euro exchange rate used in my declaration of income?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>The exchange rate is published by the tax office in April and communicated in <a href="https://home.cern/news/official-news/cern/exchange-rate-tax-declaration-form-2023-income-attention-members-personnel">the CERN Bulletin</a>.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-8c63edacb32507cfd3534f60d96b36f748dd106888460bdc50cdba3c219e0a93"><h3 class="field-content">I would like to fill gaps in my pension during my career. How can I do this?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><ul> <li>Transfer from another pension scheme: the CERN Pension Fund accepts transfers from pension schemes in which provision is made for contributions by the employer. Please contact your previous pension scheme to ensure that a transfer is permitted.</li> <li>Purchase using own funds: if you have already accrued five years of service, you have the option to buy added periods of membership with your own funds. This type of purchase is calculated according to rates defined in chapter III of the Fund’s Regulations and your reference salary at the time of the request. </li> </ul> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">My family benefits</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-28bf3e45127b957b68322ec63f35bc294f3717ca62fb0ca48187e487d3ddf8c3"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">Annual adjustment</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">How do I know which method in Annex C of the Rules applies to my situation? </h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p class="text-align-justify"><span><span><span><span>The applicable method depends on your personal situation and particular dates. To determine which method is relevant, please refer to the following guidance:</span></span></span></span></p> <p class="text-align-justify"><span><span><span><span></span></span></span></span></p> <ul> <li class="text-align-justify"><span><span><span></span><span><span>If you are a beneficiary of a retirement or total disability pension, the date that you became a beneficiary corresponds to your pension start date. </span></span></span></span></li> <li class="text-align-justify"><span><span><span></span><span><span>If you are a beneficiary of a surviving spouse’s pension or an orphan’s pension, the relevant date is the date when the deceased beneficiary became a beneficiary.</span></span></span></span></li> <li class="text-align-justify"><span><span><span></span><span><span>If you are a beneficiary of a retirement pension having participated in the Progressive Retirement Program (PRP), the date you became a beneficiary corresponds to your PRP start date. </span></span></span></span></li> <li class="text-align-justify"><span><span><span></span><span><span>If you are a beneficiary of a surviving spouse’s pension or an orphan’s pension following the death of a member, the relevant date is your pension start date. </span></span></span></span></li> </ul> <p class="text-align-justify"><span><span><span><span>Should your date be:</span></span></span></span></p> <ul> <li class="text-align-justify"><span><span><span></span><span><span>on or before 31 December 2011, the applicable method would be I. 1. of <a href="https://pensionfund.cern.ch/en/annex-c-method-annual-adjustment-pensions-fixed-sum-and-allowances-article-ii-114">Annex C</a>. </span></span></span></span></li> <li class="text-align-justify"><span><span><span><span>between 1 January 2012 and 31 July 2019, the applicable method would be I. 2. of <a href="https://pensionfund.cern.ch/en/annex-c-method-annual-adjustment-pensions-fixed-sum-and-allowances-article-ii-114">Annex C</a>.</span></span></span></span></li> <li class="text-align-justify"><span><span><span></span><span><span>on or after 1 August 2019, the applicable method would be I. 3. of <a href="https://pensionfund.cern.ch/en/annex-c-method-annual-adjustment-pensions-fixed-sum-and-allowances-article-ii-114">Annex C</a>.</span></span></span></span></li> </ul> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">How do I know what my current purchasing power loss (PPL) balance is?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p class="text-align-justify"><span><span><span><span><span><span><span><span>Every year in December you receive a letter from the Fund with information on the annual adjustment to your benefits effective 1 January the following year. The letter includes your updated purchasing power loss (PPL) balance for the coming year. </span></span></span></span> </span></span></span></span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">Which funding ratio is used in the annual adjustment calculation?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p><span><span><span><span>The funding ratio used in the annual adjustment calculation is the funding ratio on an accounting basis and is included in the Statement of Financial Position of the Pension Fund’s last audited <a href="https://pensionfund.cern.ch/en/about-fund/annual-report-and-financial-statements">Financial Statements</a>. </span></span></span></span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">Which Geneva Cost of living (CVI) is used in the annual adjustment calculation?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p><span><span><span><span>The Geneva CVI used in the annual adjustment calculation is Geneva CVI for the last twelve-month period from August to August.  </span></span></span></span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">My adjustment calculation depends on the actuarial parameter for annual inflation but where can I find this?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p><span><span><span><span>The actuarial parameter for annual inflation, from the last periodic actuarial review, is noted in the actuarial section of the <a href="https://pensionfund.cern.ch/en/about-fund/annual-report-and-financial-statements">Fund’s Annual Report</a>. </span></span></span></span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">If it is relevant to my situation, what is my minimum PPL account balance?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p class="text-align-justify"><span><span><span><span>If, between 1 January 2012 and 31 July 2019:</span></span></span></span></p> <ul> <li class="text-align-justify"><span><span><span></span><span><span>You became a beneficiary,</span></span></span></span></li> <li class="text-align-justify"><span><span><span></span><span><span>You are a surviving spouse or orphan of a deceased beneficiary who became a beneficiary of a pension,</span></span></span></span></li> <li class="text-align-justify"><span><span><span></span><span><span>You entered into the Progressive Retirement Program (PRP), or</span></span></span></span></li> <li class="text-align-justify"><span><span><span></span><span><span>You are a surviving spouse or orphan of a member who passed away,</span></span></span></span></li> </ul> <p class="text-align-justify"><span><span><span><span></span></span></span></span></p> <p class="text-align-justify"><span><span>You have a minimum PPL account balance. It is based on the month and year of one of the above situations. Your minimum PPL account balance is used to determine whether you will receive an annual adjustment. You will not receive an annual adjustment unless your individual accumulated PPL balance has reached your minimum PPL account balance. The different minimum PPL account balances are set out in <a href="https://pensionfund.cern.ch/en/annual-adjustment-persons-who-become-beneficiary-pension-between-1-january-2012-and-31-july-2019">Table 1 of Annex C</a> of the <a href="https://pensionfund.cern.ch/sites/default/files/2024-06/PF%20Rules%20and%20Regulations%20-%20amended%20version%2001.07.2024.pdf">Rules and Regulations</a>.</span></span></p> <p class="text-align-right"><em><a href="https://pensionfund.cern.ch/en/annual-adjustment-persons-who-become-beneficiary-pension-between-1-january-2012-and-31-july-2019">To find out more...</a></em></p> <p class="text-align-justify"> </p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">Why am I not receiving an annual adjustment? </h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p class="text-align-justify"><span><span><span><span>As a beneficiary you have an individual PPL account. This is the individual account maintained for each beneficiary with the accumulated loss of purchasing power i.e. the difference between Geneva CVI and your annual adjustments. Your individual accumulated PPL balance has not reached 8% or your minimum PPL balance so no adjustment is granted.</span></span></span></span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">What happens if Geneva CVI is zero?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p><span><span><span><span>If Geneva CVI is zero then you will not receive an annual adjustment.</span></span></span></span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-63ed2279ba932828b85077f492220d8699f12ffdedd6ccd6a89f68150eeb381e"><h3 class="field-content">What happens if Geneva CVI is negative?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p class="text-align-justify"><span><span><span><span>If Geneva CVI is negative then you will not receive an annual adjustment, however your PPL account balance will be reduced accordingly, and your benefits will remain unchanged.</span></span></span></span></p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">Health Insurance</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-e62755be1b2b72e736e58c09a3ffcd971eac03f7815931d3c49113ffd884f1c1"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">Personal Data</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-5c6c3875b358cadaa5ccd79545e5711ac68c76281992b92c1d420f2a8d2382d7"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">Annual Communications</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-4ef3769894f6cd57b05e53d67bb27d1c4329e29a02b11bb2c4405bf5aa5d8b6d"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">Life Insurance</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-892ac0f7073c491698f0557a64b98d5872060421979a94e0f3b05dade3ea8807"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-892ac0f7073c491698f0557a64b98d5872060421979a94e0f3b05dade3ea8807"><h3 class="field-content">Can I modify my insured capital and, if so, how?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>You can only reduce your capital (30 days notice). Please complete <a href="/sites/pensionfund.web.cern.ch/files/2019-03/Life%20Insurance%20form.pdf">the form</a> and return the original, signed in ink, to the Fund's Benefits Service. </p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-892ac0f7073c491698f0557a64b98d5872060421979a94e0f3b05dade3ea8807"><h3 class="field-content">I would like to change the beneficiaries of my life insurance. How can I do this? </h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>You should complete <a href="/sites/pensionfund.web.cern.ch/files/2019-03/Life%20Insurance%20form.pdf">the form</a> and return the original, signed in ink, to the Fund’s Benefits Service. </p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-892ac0f7073c491698f0557a64b98d5872060421979a94e0f3b05dade3ea8807"><h3 class="field-content">I would like to terminate my membership of the life insurance scheme. How can I do this?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Please send, by post only, a signed resignation letter (giving 30 days’ notice) to the Benefits Service. </p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-e5c4c4cbd5ae47d7266c82e6f30261fed7d08b31db3cea8752ed5866c189e389"><h3 class="field-content">Pension Payment</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-b672e6cb73829bdbe307d0fb5904bb906c14a713b3f306dcee670bb3ba6a11be"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-b672e6cb73829bdbe307d0fb5904bb906c14a713b3f306dcee670bb3ba6a11be"><h3 class="field-content">Can my pension be paid in a country other than Switzerland?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>No, benefits are paid monthly in Swiss francs into a personal bank account in Switzerland.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-b672e6cb73829bdbe307d0fb5904bb906c14a713b3f306dcee670bb3ba6a11be"><h3 class="field-content">When is my pension paid?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>Pensions are paid monthly, in advance, between 6 and 8 of the month.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-b672e6cb73829bdbe307d0fb5904bb906c14a713b3f306dcee670bb3ba6a11be"><h3 class="field-content">Do I receive a monthly statement of my benefits?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>No, there is no monthly pay notification; however, every January, beneficiaries receive a monthly breakdown valid for the entire year. If the beneficiary’s personal situation changes, an updated monthly breakdown will be sent.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> <div class="views-row"> <div class="views-field views-field-nothing views-accordion-header js-views-accordion-header-b672e6cb73829bdbe307d0fb5904bb906c14a713b3f306dcee670bb3ba6a11be"><h3 class="field-content">Where can I find the Swiss franc/Euro exchange rate used in my declaration of income?</h3></div><div class="views-field views-field-body-1"><span class="field-content accordion-child-content"><p>The exchange rate is published by the tax office in April and communicated in <a href="https://home.cern/news/official-news/cern/exchange-rate-tax-declaration-form-2023-income-attention-members-personnel">the CERN Bulletin</a>.</p> </span></div><div class="views-field views-field-operations"><span class="field-content"></span></div> </div> </div> </div> </span></div> </div> </div> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-a98ae4186b6fb85becb3f045b969d4e98c1788d9e483bf871aee5f3a1603d8f7"><h2 class="field-content">About the Fund</h2></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-parent js-view-dom-id-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"> <div class="views-row"> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"><h3 class="field-content">Who are we</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-381624c52ed5702d6d7eba24e54d3992695428a2d12395cf1bec82883f83d3bd"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"><h3 class="field-content">Governance Page</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-f389a2c18f8544e9029a9c7832abe99e25654b6950fd212b48467b32da5b599f"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"><h3 class="field-content">Investments</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-c6d28ac8394512557e09a7243bcb5eefce5b32ecd7d3edcfc897c700e5eb8e42"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"><h3 class="field-content">Actuarial Matters</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-654f82fd7678736491a818d9f3aa2989c1b0ef3f33b65c715e68cf4bd86564a9"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"><h3 class="field-content">Annual Report and Financial Statements</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-0cc95d9a6347da3a5339c8a477edf83a2cc5f2eed47142aeebf6784b8212cd06"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"><h3 class="field-content">Code of Conduct</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-a96b940ebad4c66aabb98287453379f6d71364208bd995b77efba8c4b940f55a"> </div> </span></div> </div> <div class="views-row"> <div class="views-field views-field-name views-accordion-header js-views-accordion-header-d179e64824833ad9b163bcebdecf8611bd01c9ab377592a75db391986f21e143"><h3 class="field-content">Privacy Policy</h3></div><div class="views-field views-field-view"><span class="field-content"><div class="faq-child js-view-dom-id-237369cea12affcd604f3ece5d425d108a03e99079f89eec2bf2112e005bb074"> </div> </span></div> </div> </div> </div> </span></div> </div> </div> <footer> <script> window.onload = function() { var $ = jQuery, NEXT_ACCORDION_CONTENT = '>.views-row>.views-row>.ui-accordion-content'; 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In the event of ambiguity or any inconsistency or conflict between the information provided on this website and the Fund’s Rules and Regulations, the latter will prevail. In particular, the decisions taken by the Fund will be based solely on the Fund’s Rules and Regulations.</p> <p>Pursuant to a decision of the CERN Council on 17 December 2015, legally registered partnerships are treated as equivalent to marriage in determining family rights and obligations within the CERN pension scheme as from 1 January 2016.</p> </div> </div> </div> </div> </div> </div>    </div> </div> </div>  <div class="copyright"> <div class="container"> <div class="row">   </div> </div> </div> </div> <script type="application/json" 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