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Glossary

IV (Disability Insurance)

The IV (Disability Insurance) is the component of the 1st Pillar that applies in cases of permanent incapacity to work resulting from illness or accident. It provides rehabilitation measures (taking priority over pension payments) and disability pensions according to the degree of disability, and is governed by the IVG.

At a glance

01

Rehabilitation before pension: the IV first examines all vocational and medical measures for reintegration (IVG Art. 8 ff.).

02

A disability pension is paid from a disability degree of 40 per cent; entitlement to a full pension arises from 70 per cent (IVG Art. 28).

03

Financed through wage contributions from employees and employers as well as federal contributions, analogous to the AHV.

Frequently asked questions

The IV first examines all options for vocational reintegration, such as retraining or job placement. Only when these are exhausted is a disability pension awarded. The pension amount depends on the determined degree of disability and, at full entitlement, equals a full IV pension, supplemented by any children's pensions.

Part of the topic

Vorsorge & Pensionierung

Sources: Bundesamt für Sozialversicherungen (BSV) · Systematische Rechtssammlung (fedlex)