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Old 26.09.2016, 17:28
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Supporting your wife

My wife is currently looking for a job, but at the moment not having any luck here. I'm working, but with my monthly salary of 4'800 things are very tight, too tight actually. So I was wondering if there was some extra income given when supporting a non working family member? Not tryin to take advantage of the system, however when in Canada I got a nice monthly tax break as she was still in school then. So when tax day comes, I'm assuming she'll count towards deductibles. I remember that my Father got monthly compensation for myself and my sister in his Swiss pay cheque but I'm not sure if this is a "kids only" thing.
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Old 26.09.2016, 17:31
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Re: Supporting your wife

If you have kids you should be receiving Child benefit (about CHF 200-odd per month). You can also qualify for subsidised child places in childcare.

Not sure at what point the subsidy kicks in for health insurance but low income families can qualify for that, too.
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Old 26.09.2016, 17:59
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Re: Supporting your wife

Perhaps not exactly what you were looking for, but perhaps these might help:

https://www.englishforum.ch/commerci...itzerland.html
https://www.englishforum.ch/daily-li...ce-thread.html
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Old 26.09.2016, 18:18
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Re: Supporting your wife

Qualified for reduction in health-insurance fees?

http://www.jgk.be.ch/jgk/de/index/pr.../anspruch.html
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Old 26.09.2016, 18:22
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Re: Supporting your wife

Thanks for the links. We've got the cheapest we can get at the moment. Just set it up actually. And we don't have kids. Actually oddly enough it's the whole kids thing that's holding my wife back from getting a job. She's almost 22 but married and no kids....they're worried that she'll land the job then....well you know.
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Old 26.09.2016, 18:31
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Re: Supporting your wife

If your wife was working in an EU/EFTA country prior to moving to Switzerland, she might be eligible for Swiss RAV unemployment compensation.

If she hasn't done so already, and even if she is not eligible for unemployment compensation, she should register with RAV. RAV is to assist anyone legally residing in Switzerland to search for work.
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Old 26.09.2016, 18:33
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Re: Supporting your wife

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My wife is currently looking for a job, but at the moment not having any luck here. I'm working, but with my monthly salary of 4'800 things are very tight, too tight actually. So I was wondering if there was some extra income given when supporting a non working family member? Not tryin to take advantage of the system, however when in Canada I got a nice monthly tax break as she was still in school then. So when tax day comes, I'm assuming she'll count towards deductibles. I remember that my Father got monthly compensation for myself and my sister in his Swiss pay cheque but I'm not sure if this is a "kids only" thing.

If you haven't contributed to trhe system, you can haredly expect to take out of the system.

Chf 40800.-- should be enough to live on modestly, the level of poverty is set here around Chf 2'300.-- for a single person and a couple at around Chf 3'300.-- i think
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Old 26.09.2016, 18:43
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Re: Supporting your wife

With the two of you on CHF 4800/month (gross or take-home?) you should hopefully be paying very close to zero tax anyway since you'll be taxed as a couple.
Even if you're taxed at source it's worth doing your own tax calculation (http://www.fin.be.ch/fin/fr/index/st...edownload.html) to determine your maximum deductions possible and then asking for the rectification of the tax at source since many non-standard deductions are not included in the withholding rate calculations.
If you have any debts in Canada keep in mind that the interest paid there by either one of you is deductible in Switzerland.
Unfortunately it doesn't look like you'd qualify for the health insurance subsidy as you'd still be over 35K/year after the 13K deduction for a couple.
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Old 26.09.2016, 18:50
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Re: Supporting your wife

Yeah she was working in Canada, but she is registered here legally. I'm Swiss and she's my wife....by law they kind havta accept her...at least by law at the current moment.

Anyway I thought 4'800 was enough at first too, but after deductions, transport, insurance, food, rent, and all that PLUS we're paying off her student loans....it's not enough.

Lets just hope someone gives her a chance.
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Old 26.09.2016, 18:54
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Re: Supporting your wife

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we're paying off her student loans
The interest part of student loan repayment is tax-deductible in Switzerland. If you're still repaying any Canadian credit card balances that interest is also deductible.
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Old 26.09.2016, 18:56
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Re: Supporting your wife

Not being able to support yourself financially (like needed benefits) will certainly endanger any application for permis/citizenship.

Just saying-
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Old 26.09.2016, 18:58
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Re: Supporting your wife

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Not being able to support yourself financially (like needed benefits) will certainly endanger any application for permis/citizenship.
Arthur is Swiss - doesn't need to apply for any permits ...
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Old 26.09.2016, 19:15
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Re: Supporting your wife

Are you taxed at source or do you have to fill in a return each year? If the latter then yes, she'll count towards any deductions. Might get some as well if taxed at source so long as you've let your employer/cantonal tax office know you're now married.

But no, no extra income unless for your children - wives don't count for that.
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Old 26.09.2016, 19:19
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Re: Supporting your wife

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Are you taxed at source
He's Swiss, no tax at source.

Tom
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Old 26.09.2016, 19:53
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Re: Supporting your wife

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Not being able to support yourself financially (like needed benefits) will certainly endanger any application for permis/citizenship.

Just saying-
Besides, we're making it, tightly, but just so. I was just seeing if I was missing some money off the money tree that everyone else was getting and I was missing out on.

Anyway, if my wife is reading this....HI! In no way do I wish you to feel bad, just asking and you know all to well that I wouldn't trade you in for all the money in the world! Love you!
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Old 26.09.2016, 20:11
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Re: Supporting your wife

Perhaps you could tell us what sort of job she is looking for, what qualifications and experience, German and other languages she has- you never know your luck.
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Old 26.09.2016, 20:12
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Re: Supporting your wife

You are just above the poverty line, so no help will be available, other than a reduction in health insurance premiums, (after you have filed a tax return and had it accepted)

My advice is to move to cheaper accomodation, is that possible? Maybe if she does some work with refugees she will hear of jobs available?

Could you ask for the student debt to be put on ice for a year?
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Old 26.09.2016, 20:17
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Re: Supporting your wife

Yep- cheaper flat and perhaps get rid of car if you have one?
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Old 26.09.2016, 20:23
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Re: Supporting your wife

Your work travel expenses are deductible as are meals if you have a subsidised work canteen, both your health insurance premiums up to a set level, interest on credit cards/mortgage (also what you owe is deducted against any wealth figures), 3rd pillar contributions up to a set level and interest earned on any bank accounts - not that you get much from those these days. There are probably others you may be able to claim for, but those are ones that apply for us.

Contact your cantonal tax office and see if they can go through the form with you to make sure you claim everything that you can.
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Old 26.09.2016, 21:31
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Re: Supporting your wife

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Besides, we're making it, tightly, but just so. I was just seeing if I was missing some money off the money tree that everyone else was getting and I was missing out on.

Anyway, if my wife is reading this....HI! In no way do I wish you to feel bad, just asking and you know all to well that I wouldn't trade you in for all the money in the world! Love you!
This is one #%$#$ up thing to say about a human being, let alone your wife.
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