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Old 19.04.2015, 23:03
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Information on AHV-IV

I lived in Switzerland, in the 70s, and went to Swiss schools, and I worked there. I paid into the AHV-IV, and I still have my card. I live in the United States now, and I was wondering, if I will be able to draw from the AHV, and if so at what age? If I am able to do this, how do I go about applying for it?
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Old 19.04.2015, 23:06
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Re: Information on AHV-IV

64+.

Tom
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Old 19.04.2015, 23:38
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Re: Information on AHV-IV

This link may be useful for AHV questions:
https://www.ch.ch/en/ahv/
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Old 20.04.2015, 00:46
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Re: Information on AHV-IV

Thank you for the information on the AHV. That link was very helpful.
REBrown
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Old 20.04.2015, 08:35
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Re: Information on AHV-IV

Contact the council/AHV department (Website) you used to live in Switzerland. They will provide you with information/form etc..
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Old 20.04.2015, 11:11
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Re: Information on AHV-IV

You should be aware, though, that the US 'Windfall Elimination Provision' might reduce your US Soc Sec if you receive a similar benefit from another country:

http://www.ssa.gov/planners/retire/wep.html

Run through the calculator linked a few pages in to see if, or how, you might be affected. For instance, it will likely be worthwhile for OH to collect his Swiss AHV, but my doing so would be detrimental.
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Old 20.04.2015, 15:30
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Re: Information on AHV-IV

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You should be aware, though, that the US 'Windfall Elimination Provision' might reduce your US Soc Sec if you receive a similar benefit from another country:

http://www.ssa.gov/planners/retire/wep.html

Run through the calculator linked a few pages in to see if, or how, you might be affected. For instance, it will likely be worthwhile for OH to collect his Swiss AHV, but my doing so would be detrimental.
This was discussed by a geezer at our Swiss Club. For one thing the WEP doesn't apply for those with 30+ year of work under SS at "substantial" wages. (He had worked under Civil Service, but opted in 1984 to be covered by SS and so escaped the WEP. But his partner, a teacher I think in Illinois under the now-bankrupt state pension plan is subject to WEP and it's tragic, or so he said.)

There was also something mentioned about his getting a tiny AVS pension that, if necessary, could have been combined under a totalization treaty with SS.

It all inspired me to talk to a SS expert: apparently a lot of retirees leave money on the table from SS and their foreign equivalent because their timing and options are wrong and nobody tells them.

But all this is second-hand. I don't know anything.
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