Key legal question
Whether the appellant may demand cash payment of the vested benefit under Art. 5(1)(c) FZG when the vested benefit is lower than her annual contributions.
Extracted holding
Yes. The insured may request payment in cash if the vested benefit is below the amount of her annual contributions.
Extracted reasoning
Under Art. 5(1)(c) FZG, the decisive comparison is between the vested benefit and the insured's annual contributions; if the statutory condition is met, cash payment must be granted.