Coordination deduction
The coordination deduction is the amount taken off the determinant salary to arrive at the coordinated salary insured in occupational pensions; it corresponds to the part of income already covered by the first pillar.
Definition
Its effect is greatest on low and part-time salaries: pay just above the entry threshold leaves only a small coordinated salary after the deduction, and therefore a small retirement credit. Many funds therefore reduce the deduction in proportion to the employment level.
Whether and how a fund reduces it is in the pension rules, not in the law — the law states only the minimum frame. When comparing two offers, that is precisely where the difference lies.
Where to read it
What the software must be able to do
The check is the pro-rata reduction for part-time work and for joiners and leavers mid-year. Programs that know only the full deduction calculate wrongly for part-time workforces.
Checked Aug 2026
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