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  #41  
Old 21.01.2019, 10:23
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Re: Going on the IV pension

perhaps part of the pillar 2 is the insurance bit. BVG?
I would check this out.
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  #42  
Old 21.01.2019, 13:32
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Re: Going on the IV pension

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You are taxed on all income. I have 100 percent IV EL and BVG and have to pay tax.
As far as I know you
are even liable for tax on social help - but in my case my wife was working 60 percent. (before we received EL)
but pillar 2 contributions are tax free



Thanks


On the latest statement it gives some kind of breakdown which was not present on previous statements:


Contributions

Savings component XXXX

Risk contribution YYYY


X+Y adds up to a little less than the total from the payslips. Maybe there's an administration charge that is not listed.
Y is 12% of X+Y
X is what goes into the pensions savings pot.
I'll try to ask AXA for more clarity.
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  #43  
Old 21.01.2019, 14:04
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Re: Going on the IV pension

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You are taxed on all income. I have 100 percent IV EL and BVG and have to pay tax.
As far as I know you are even liable for tax on social help - but in my case my wife was working 60 percent. (before we received EL)
but pillar 2 contributions are tax free
EL is not taxed.
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  #44  
Old 22.01.2019, 15:48
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Re: Going on the IV pension

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EL is not taxed.
maybe where you live. Pro Senectute did our tax and we have a bill for 900chf.
Perhaps it is different if you are married and Swiss and your wife works part time.
I found it very unfair myself. Especially as they have blocked 900chf a month from the EL while I am fighting with a pension company and have my money in a Freizugigekeitkonto.
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  #45  
Old 22.01.2019, 15:53
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Re: Going on the IV pension

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As far as I know you are even liable for tax on social help
Yes, this is true, I know people who were on social aid and had to pay taxes on it.

Not so sure about IV, though.

Tom
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  #46  
Old 22.01.2019, 17:18
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Re: Going on the IV pension

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maybe where you live. Pro Senectute did our tax and we have a bill for 900chf.
Perhaps it is different if you are married and Swiss and your wife works part time.
I found it very unfair myself. Especially as they have blocked 900chf a month from the EL while I am fighting with a pension company and have my money in a Freizugigekeitkonto.
EL is not taxed, regardless of your situation. The tax you have paid is on the other part of your taxable income. The rule is identical in all cantons.

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Yes, this is true, I know people who were on social aid and had to pay taxes on it. Not so sure about IV, though.
EL is only paid out to people on a pension which is deemed too low to live off. Social aid is paid to persons who do not have any pension, because they are not disabled or because they have not reached the age when they can draw an old age pension.

Social aid and EL are two entirely different things. Correct, social aid is taxed. IV (from whichever pillar) is taxed. EL is not taxed.
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  #47  
Old 31.01.2019, 20:52
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Re: Going on the IV pension

In investigating the pillar 2 and contributions we've discovered a very significant error. Due to a clerical error shortly before the sickness absence began (2 years ago) the employer/pension company reduced the payments mid-year by about half, contrary to contract and without notification. It's on (most of) the payslips but they used to just get filed away. This means the projected pension amount, and consequently the IV pension will be a fraction of what it should have been.



This company has also forgotten to give contractual notice to coincide with the end of the taggeld insurance and we don't know now whether we should accept the voluntary termination (to a date actually a few days before the taggeld insurance expires) or not. In general people say never accept a voluntary termination.



IV says they're waiting on info from the hospital. Hospital says they never received anything.
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  #48  
Old 31.01.2019, 21:02
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Re: Going on the IV pension

The date that the IV give as the start of the illness is the definitive point.
Ahv-IV (pillar 1) is based on average contributions over your life. Pillar 2 should be shown on a pension certificate. I think the 12 months before the start count.
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  #49  
Old 01.02.2019, 07:38
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Re: Going on the IV pension

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In investigating the pillar 2 and contributions we've discovered a very significant error. Due to a clerical error shortly before the sickness absence began (2 years ago) the employer/pension company reduced the payments mid-year by about half, contrary to contract and without notification. It's on (most of) the payslips but they used to just get filed away. This means the projected pension amount, and consequently the IV pension will be a fraction of what it should have been.

This company has also forgotten to give contractual notice to coincide with the end of the taggeld insurance and we don't know now whether we should accept the voluntary termination (to a date actually a few days before the taggeld insurance expires) or not. In general people say never accept a voluntary termination.

IV says they're waiting on info from the hospital. Hospital says they never received anything.
If the company did not give notice then how is the change valid?

You should never accept any voluntary termination. As I have said before it is in your interest that the contract remains valid as they should be paying you your salary obviously.

What exactly is the IV waiting on from the hospital? What did the hospital never receive?
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  #50  
Old 01.02.2019, 10:31
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Re: Going on the IV pension

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In investigating the pillar 2 and contributions we've discovered a very significant error. Due to a clerical error shortly before the sickness absence began (2 years ago) the employer/pension company reduced the payments mid-year by about half, contrary to contract and without notification. It's on (most of) the payslips but they used to just get filed away. This means the projected pension amount, and consequently the IV pension will be a fraction of what it should have been.



This company has also forgotten to give contractual notice to coincide with the end of the taggeld insurance and we don't know now whether we should accept the voluntary termination (to a date actually a few days before the taggeld insurance expires) or not. In general people say never accept a voluntary termination.



IV says they're waiting on info from the hospital. Hospital says they never received anything.
Definitely, absolutely NOT.
This could even be used agains you later!
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  #51  
Old 01.02.2019, 13:04
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Re: Going on the IV pension

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If the company did not give notice then how is the change valid?

You should never accept any voluntary termination. As I have said before it is in your interest that the contract remains valid as they should be paying you your salary obviously.

What exactly is the IV waiting on from the hospital? What did the hospital never receive?

Due to some budget problems, the employment contract was ended in spring 2016 only to be reinstated five weeks later. This was when the pension mistake happened. The old and new employment contracts specifically state the pension contribution amounts but they we never checked the statements until now. This makes a huge difference to the disability pension.


I didn't know if still technically being employed would somehow delay any IV decision. The employer need not pay any salary now if the employee has already been signed off so long and is still signed off work, right?



IV say they're waiting for "a couple of things". All the relevant information has been available since the start so I'm not really sure what they need now. We just have to wait I guess. We'd just like to get this stuff out of the way so we don't have to think about it anymore.
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  #52  
Old 01.02.2019, 13:20
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Re: Going on the IV pension

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I didn't know if still technically being employed would somehow delay any IV decision. The employer need not pay any salary now if the employee has already been signed off so long and is still signed off work, right?.
No it won't affect the IV decision.
You could try asking the employer to pay the salary. The worse they can say is no and say it is not due because they have already paid sick leave. But if you don't ask you won't know. Also you need to check the contract to see if there is anything in there about it.
Moreover you could consult someone at Pro Infirmis who may be able to advise on this somewhat abnormal situation.
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