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Old 12.10.2012, 17:45
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AVS refund

Hi
Ive been working under a B permit in Switz (geneva) for almost a couple of years now, unfortunately the time has come for me to go home to Australia, and I think it will be for good. Ive been told by several swiss people that I am able to have my AVS and LPP refunded to me.

Do any forumites know how much I am eligible to get and which website I should read for the details?
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Old 19.10.2012, 17:16
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Re: AVS refund

Your LPP will be refunded. You can forget about AVS contributions. You would have the right to apply for AVS to be paid to you when you are 65 (or whatever the retirement age limit is when you get up to that age). BUT if you only worked a couple of years, you'll get very little or nothing. My husband worked under the Swiss system for 15 years with a high salary. He'll get CHF 600 a month when he reaches 65.
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Old 23.10.2012, 06:46
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Re: AVS refund

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Your LPP will be refunded. You can forget about AVS contributions. You would have the right to apply for AVS to be paid to you when you are 65 (or whatever the retirement age limit is when you get up to that age). BUT if you only worked a couple of years, you'll get very little or nothing. My husband worked under the Swiss system for 15 years with a high salary. He'll get CHF 600 a month when he reaches 65.
I was under a different impression. Citizens of australia should be able to withdraw their AVS/AHV contributions when they permanently leave CH. They don't have to wait till retirement age
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Old 23.10.2012, 07:25
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Re: AVS refund

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I was under a different impression. Citizens of australia should be able to withdraw their AVS/AHV contributions when they permanently leave CH. They don't have to wait till retirement age
I think that's correct -- Australia (and NZ) not being part of the EU and not participating in a reciprocal arrangement with Switzerland.

As usual, this needs to be checked with the competent authorities ... OP, I would start with OCAS in Geneva (if you're still there).
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Old 23.10.2012, 10:17
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Re: AVS refund

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I think that's correct -- Australia (and NZ) not being part of the EU and not participating in a reciprocal arrangement with Switzerland.

As usual, this needs to be checked with the competent authorities ... OP, I would start with OCAS in Geneva (if you're still there).
What if you are a dual Swiss / Aus / NZ citizen? Just curious.
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Old 23.10.2012, 10:21
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Re: AVS refund

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What if you are a dual Swiss / Aus / NZ citizen? Just curious.
Then you are out of luck. Your swiss passport disqualifies you.
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Old 23.10.2012, 12:53
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Re: AVS refund

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Then you are out of luck. Your swiss passport disqualifies you.
LPP is still OK to access though if permanently leaving the country? Such as third pillar etc...
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Old 25.10.2012, 08:53
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Re: AVS refund

It doesn't matter if you're not European, whether you are Australian or American... they aren't reimbursing your AVS payments. You can apply for an AVS pension when you're 65, but that's it.
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Old 25.10.2012, 09:54
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Re: AVS refund

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It doesn't matter if you're not European, whether you are Australian or American... they aren't reimbursing your AVS payments. You can apply for an AVS pension when you're 65, but that's it.
What you are saying is completely false and in my opinion also reckless. There are at least a dozen threads on this website with people asking about AHV/AVS refunds. Many have shared their experiences of successfully getting their contributions back before retirement age. From what I read some people got their money 2 weeks after leaving Switzerland and some people 6 months. Typical beurocratic stuff.
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Old 25.10.2012, 09:55
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Re: AVS refund

This is taken from another post......

http://www.ahv-iv.info/andere/00140/...x.html?lang=de

The last two forms at this link relate to requesting to withdraw your AHV contributions (one is in English and the other in German, however I am not sure if they accept both). It states on the last page that you can submit the application prior to leaving:

The conditions for obtaining a refund of contributions
· You must have contributed for at least one full year
· Yourself and your family (spouse and children under 25) must have left Switzerland or intend to live outside Switzerland
definitively. If children of full age but under 25 remain in Switzerland, contributions may be still reimbursed if the children have
completed their professional education.
An application for a refund may be submitted before the planned departure or after departure up until the insured person reaches
retirement age or after his death. Entitlement to a refund is limited to five years from the case of insurance, however.

Documents to be attached to your demand:
·
OASI certificate(s)

·
Official confirmation of departure from Switzerland (copy if available)

·
Certificate of nationality or copies of valid passports for yourself and your family

·
In the case of refugees, a certificate of status is indispensable

· Legalised current certificate of residence abroad or declaration of planned change of residence for yourself and your family
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  #11  
Old 25.10.2012, 10:35
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Re: AVS refund

Well then, I'll have to send in another request to the AVS to get our money back as we are leaving the country in December...
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Old 25.10.2012, 10:41
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Re: AVS refund

It also depends on where you're moving to.

As I recall, if it's to a country with a social-security treaty with Switzerland (such as the US, or an EU state), or if you are a citizen of such a place, then the answer is NO.

Tom
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Old 25.10.2012, 11:27
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Re: AVS refund

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It also depends on where you're moving to.

As I recall, if it's to a country with a social-security treaty with Switzerland (such as the US, or an EU state), or if you are a citizen of such a place, then the answer is NO.

Tom
This is correct. The thing that is somewhat unclear for me is if you are a citizen of a country with the bilateral agreement such as the USA and you depart Switzerland for a country without an agreement (ex Australia).....are you entitled to the monies?
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Old 25.11.2012, 15:58
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Re: AVS refund

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This is correct. The thing that is somewhat unclear for me is if you are a citizen of a country with the bilateral agreement such as the USA and you depart Switzerland for a country without an agreement (ex Australia).....are you entitled to the monies?
I think it doesn't matter which country you are from. What matters is to which country you are moving.
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Old 04.01.2013, 13:27
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Re: AVS refund

Guys
As I am also in the moving out phase I was looking for the reimbursement procedure and found this document of Federal office of Migration. May be some of you are well aware of this but still may help to clear the confusion of some EF members.

Here is the link:
http://www.ch.ch/schweiz/00157/00178...DZz8mMps2gpKfo

Switzerland has Social Security Agreement with these countries: Canada/Quebec, Czech Republic, Philippines, Turkey, Chile, Hungary, San Marino, USA, Croatia, Israel, Slovakia, Ex-Yugoslavia, Cyprus, Macedonia Slovenia.

''If you are a citizen of one of the above-mentioned countries, the corre-
sponding social security agreement is applicable on your definitive departure from Switzerland. The same applies, if you have been recognized as a refugee or stateless person in Switzerland and travel to one of these countries and are also recognized there.''
In this case you cannot apply for reimbursement of your accumulated OASI (1st pillar) contributions
So if you are moving to these countries for job purpose and you are not a national of these countries or were in refuge in Switzerland and now taking shelter in one of these countries you can claim your SVA contributions.

Reimbursement is possible:
-if you have paid OASI/DI contributions for at least one full year,
-leave Switzerland definitely. Your spouse and children under 25 years of age also have to leave the country,
-not already receiving a Swiss OASI/DI pension.

I am copy pasting the procedure directly from the pdf...

How do I apply for reimbursement of my OASI contributions?

You have to submit an application to your compensation office or to the Swiss Compensation Office (SCO). For this purpose, please complete the form «Antrag auf Rückvergütung von AHV-Beiträgen» (application for reimbursement of OASI contributions). This form is available at all compensation offices and is to be submitted, together with the following documents:
-OASI insurance card,
-confirmation of your departure from Switzerland,
-valid proof of nationality or a copy of the valid passport for you and your spouse, in the event of a divorce, the divorce decree with the date of entry into legal force,
-recognized refugees and stateless persons have to provide proof of their status, the address of your intended domicile abroad or confirmation of your current address abroad.
-The confirmation must also include your spouse and your children aged under 25 years of age.

NOTE:
In the case of married couples,
each partner has to apply for reimbursement separately;
As a rule, payment of the reimbursement amount is only effected abroad;
Payment may take several months;
Payment may only be effected into your personal bank account or to you personally

The occupational benefit or so called 2nd pillar of your social security should be directly claimed from your employer and this is can be done irrespective of social security agreements of Switzerland with any countries.

My employer said that one can also make AVS claim through email (afcot1@zas.admin.ch)..I am not very sure. I will let you know once I am confirmed.

Thanks
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Old 04.01.2013, 14:26
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Re: AVS refund

Could anybody suggest, what may be the minimum time required to request for the refund before leaving Switzerland. say 1week, 2 week etc. Also, do you provide the swiss acount or the account wher you are moving to (home country).
Thanks.
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Old 04.01.2013, 15:22
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Re: AVS refund

You just have to send a letter enclosing the necessary documents..your job is done. Then it may take up to 3 months (at-least that's what the official document says) to get the reimbursement credited to whatever (Swiss/non-Swiss) account you provided.
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Old 05.01.2013, 00:46
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Re: AVS refund

I thought AVH wasnt refundable under any circumstances but maybe different for non-EU
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