1) What is the state pension in switzerland
2) If I was 66 today what would the state pension be for me given that I only worked four years? Is it some formula which is proportional to the number of years worked?
I worked in Switzerland for four years in total and wanted to ask
Here is a link to check that, the amount will be minimal as you only paid in for 4 years.
There is not a straight forward answer because it will depend to some extent on what contributions you have made in each member state of the EU/EEA/CH. If you fail to qualify for a full pension in any one of the states where you made contributions, then there is a series of complex calculations designed to ensure that your contributions are maximised and each state is then told what share of your pension they must pay. This could result in Switzerland having to pay you a little less, a little more or the same as they would have to pay in normal circumstances.
Your profile says France, so the first question to answer is will you qualify for a full French state pension? If so then the previous link should give you the answer, if not, then perhaps check with the French authorities to see if they offer some service to give you a projection.
I am a uk passport holder and will receive a UK state pension given my national insurance contributions
My question is whether I will be still entitled to a swiss pension given I worked for 4 years
From the calculator above it looks like I should get 250 CHF a month - Not much but at least something
A simplified and rough guide. Currently you should get 2 separate amounts but managed through 1 country. So if in the UK, Switzerland would pay the UK who will pay you the Swiss part and the UK part
I think UK is about 35 years to get the full amount and you need 11 to get anything, less than 11 years they dont pay out. Switzerland is I think 42 years of payments to get the full amount and no idea if there is a minimum period to pay in
So again roughly speaking your state pension is
UK is 10k/35 * The years you have paid
CH is 28k/42 * the years you have paid
You should also be entitled to a minimal 2nd pillar pension, probably paid as a lump sum. Please check with your last employer.
My DH contributed for about 4-5 yrs in Germany before moving to CH in early 2000s. Would we need to contact Germany to understand if this would qualify for anything or would the local SVA do it for us?
Thank you
Afaik the local SVA will do that.
Is there any way of paying voluntary contributions to Swiss to increase my state pension?
I ve dealt with and taken steps to empty the pillar 2 already
Are you sure that the pension is paid to the UK goverment who then pay it to me ? Would prefer them not to be involved and only pay the UK one actually
This is permitted only under some special conditions.
The voluntary old-age, survivors’ and disability insurance scheme
http://www.ahv-iv.ch/p/10.02.e
A brief overview
In principle, Swiss, EU or EFTA nationals, who leave Switzerland, are no
longer subject to the compulsory insurance scheme.
If you reside outside of the EU or outside of the EFTA, under certain conditions you can join the Swiss voluntary old-age, survivors’ and disability insurance (OASI/DI).
In doing so, at the occurrence of an insured event, either yourself or your
surviving dependants, can avoid receiving pensions (reduced pensions)
calculated solely on the basis of contribution periods completed in Switzerland and the contributions paid there. The calculation rules for voluntary
contributions and benefits are fundamentally the same as in the compulsory insurance scheme. As an insured person, you cannot determine yourself the contribution amount due.
1 What are the conditions to join?
In order to join the voluntary insurance scheme, you must meet the following conditions: You must have either Swiss or European nationality (EU/EFTA member states), You must reside outside of the EU 1 or EFTA 2 member states, You must no longer be insured in the compulsory OASI, You must have been insured with the OASI for at least five consecutive years immediately before leaving the compulsory insurance. You need not necessarily have contributed for five years, but must have been insured for that length of time. For minors and non-employed spouses who are not subject to contribute, years of residence in Switzerland count as years of insurance. 1 Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden 2 Iceland, Liechtenstein, Norway and Switzerland Membership in the voluntary insurance scheme, is only valid for the applicant, membership is not automatically granted to the applicant’s spouse or children. Therefore, each person must apply for membership separately and must independently fulfil the above mentioned membership conditions.
There's quite a lot of info in the other broschures, too:
Social security in Switzerland
Leaving Switzerland and moving to an EU or EFTA member state
See also: " Swiss social insurance system: Period of stay in Switzerland and departure. Information for foreign nationals " at
https://www.sem.admin.ch/sem/de/home...gn%20nationals
And " leaving Switzerland ":
That's not at all how it works for my husband.
He has Swiss, uk, french, Belgian and German state pensions and they are all paid to him directly by the relevant country.
Do you know, please, whether any of those relevant state pension offices asked about the others, and/or coordinated with them?
I see that the payments are separate, but were the calculations also independent, or were they done based on his prior contributions in other countries, the way Jim explained it, above?
Wow I wasn't aware my 8 years paid into the UK pension wouldn't get me anything at all. I'll have to see what I can do about that.
They all coordinate with the others, years worked in other (EU) countries are taken into consideration.
You have to clarify with UK for this, as things might changed after brexit, but in general if country requires minimum amount of years to work, this requirement is covered by other EU countries you worked for. Not sure if I explained it correctly.
https://europa.eu/youreurope/citizen...d/index_en.htm
check sample story for Tom.
You can defer your state pension for up to 5 years, each additional year will increase your pension amount.
hi, you need a minimum of 10 years in UK to get anything. I believe you can voluntary pay an extra 2 years to make it up to 10 years. If you are now over pension age UK, this may not be possible. Best to check.
From the UK pension site
"Your UK State Pension will be based on your UK National Insurance record. You need 10 years of UK National Insurance contributions to be eligible for the new State Pension.
You may be able to use time spent abroad to make up the 10 qualifying years. This is most likely if you’ve lived or worked in:
the EEA
Switzerland
Gibraltar
certain countries that have a social security agreement with the UK
Example
You have 7 qualifying years from the UK on your National Insurance record when you reach State Pension age.
You worked in an EEA country for 16 years and paid contributions to that country’s state pension.
You will meet the minimum qualifying years to get the new State Pension because of the time you worked overseas. Your new State Pension amount will only be based on the 7 years of National Insurance contributions you made in the UK.
You can buy back missing Swiss pension contributions, but only from five years prior. It is not possible to pay for older gaps.