Disability insurance (IV)
In one sentence
The social insurance paying a pension when earning capacity is durably reduced.
What it changes for you
Its logic is rehabilitation first: the pension comes afterwards, rarely before twelve months of incapacity. That delay is exactly the gap daily-allowance insurance fills. Notifying the IV office early speeds up the procedure and commits you to nothing — waiting, by contrast, delays everything else, including the second-pillar pension that follows the IV decision.
Read next
- Daily allowance insuranceThe insurance that replaces income during an inability to work due to illness.
- AHV (first pillar)The state pension, compulsory for all, meant to cover basic needs in retirement.
- BVG (second pillar)Occupational pension provision, funded by you and your employer, topping up the AHV.