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  #61  
Old 29.05.2019, 08:16
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Re: Going on the IV pension

It is definitely worth contacting/organising a meeting with the pension fund. Mine has been very cooperative which is great as there was a clause in my employment contract saying that they did not have to follow the degree of disability decided on by IV.
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  #62  
Old 25.06.2019, 16:37
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Re: Going on the IV pension

Does anyone know if years spent working in the UK should count towards qualifying years in Switzerland? IV has based their decision on 5 years in Switzerland. I thought when we did the application it said there was a mutual agreement with EU countries but the 15 years working in the UK hasn't been taken into account.


Thanks
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  #63  
Old 25.06.2019, 23:45
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Re: Going on the IV pension

Years in the UK sort of count!

Example, if you need 10 years contribution to qualify (e.g. for AHV) and have 1 year in CH and 9 in UK, then the years in UK would count and you'd be qualified. BUT you'd still only get 1 year pro-rata in CH.

Being specific to IV....and I can be after having some (ahem) delightful conversations with them in the last few days trying to understand it:

- the years in CH count only in Switzerland for calculation of pension
- by starting an IV claim in CH, your information will be passed to the "relevant authority" in UK for the commencement of a claim there. No idea what happens next....suspect it'll be years before anyone in UK has any idea what to do with some random paperwork. CH IV could not tell me what department in UK the papers were sent to!

So you should end up with an IV pension from Switzerland and one from UK.

From what I read, one can assume the IV pension from UK will be approximately the square root of nothing.

So....find the form for Ergänzungsleistungen and get filling it out.

Shout if I've confused you further or you have more questions. Sounds like your claim is in the same stage as Mr HH's.
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  #64  
Old 25.06.2019, 23:50
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Re: Going on the IV pension

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- by starting an IV claim in CH, your information will be passed to the "relevant authority" in UK for the commencement of a claim there.
….
CH IV could not tell me what department in UK the papers were sent to!
You (or at least the IV person themselves or their legal representative) always has a right to see the contents of your file. In German this is called "Akteneinsicht". Therefore, if you request that you will see to whom in the UK the Swiss documents were sent.
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  #65  
Old 26.06.2019, 10:50
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Re: Going on the IV pension

>- the years in CH count only in Switzerland for calculation of pension
- by starting an IV claim in CH, your information will be passed to the "relevant authority" in UK for the commencement of a claim there. No idea what happens next....suspect it'll be years before anyone in UK has any idea what to do with some random paperwork. CH IV could not tell me what department in UK the papers were sent to!


Thanks I suspected it could be this way. The UK rules change all the time but generally speaking it's not worth persueing.
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  #66  
Old 26.06.2019, 22:20
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Re: Going on the IV pension

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The UK rules change all the time but generally speaking it's not worth persueing.
If your Swiss Disability Pension, plus all your other assets and incomes together, are too low to support you, then you are entitled to apply for Ergänzungsleistungen (top-up benefits) to make life a little more live-able, at least for as long as you reside within Switzerland.

Since Ergänzungsleistungen, unlike the IV pension itself, are means-tested, the application starts a complex assessment during which you have to produce many, many documents.

One of the questions in that process is whether you have, at any stage (perhaps in the past 10 years or so) forgone any income to which you would have been entitled.

The applicant is supposed to be able to show that he/she has duly done everything in his/her power to claim all money/income due. An application for Ergänzungsleistungen can be stopped based on failure to fulfil this point. This makes sense in that there's no reason why the Ergänzungsleistungen should provide support that could legitimately have been had from a different, available source.

Even through you may anticipate that any Disability Pension from the UK may be tuppence, it may be worth persuing if only to prove that you have properly done so.

Of course, if you have sufficient personal means not to need to apply for Ergänzungsleistungen, now or in the next 10 years or so, then you're much freer to dismis the UK part.
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  #67  
Old 26.06.2019, 22:58
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Re: Going on the IV pension

The UK rules keep changing, are often means tested and when not, have requirements to be UK resident. In our case the pillar 2 invalidity insurance will pay out.

Last edited by Landers; 26.06.2019 at 23:09.
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  #68  
Old 26.06.2019, 23:39
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Re: Going on the IV pension

My point was not that the UK benefits might be of any real use to you, but that it can be a requirement - when applying for Ergänzungsleistungen - to prove that you did everything you were supposed to do to at least try to get that to which you could possibly be entitled.

The Swiss perspective on rules changing is that those rules apply which were valid at the time of application. As far as I have observed, this principle is applied to rules of other non-Swiss institutions, too, with regard to how the Swiss authorities incorporate things foreign into their calculations.

Some people's income, comprised of the first-pillar IV Disability Pension, plus the second-pillar (BVG and above) pension plan Disability Pension, is still low enough to make applying for Ergänzungsleistungen necessary. A potentially exhausting process, so great if that is not the case for you!
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  #69  
Old 10.07.2019, 00:02
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Re: Going on the IV pension

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The employer hasn't given contractual notice (although they had previously (last year) said they would). Instead they ask now with two weeks notice to agree to a voluntary mutual termination.



So we spoke to the employer about the official notice and they claim that the one-line mutual agreement, if not agreed to, also in itself serves as notice of termination to the next possible termination date.
I gave my thoughts on this and now we have an official notice of termination to the end of Sep!
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Old 10.07.2019, 11:08
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Re: Going on the IV pension

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>

Thanks I suspected it could be this way. The UK rules change all the time but generally speaking it's not worth persueing.
Agree - we aren't wasting effort following up the UK bit. The papers have been sent (as per IV letter) so the requirement to "apply" has been met.
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Old 29.07.2019, 12:36
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Re: Going on the IV pension

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Agree - we aren't wasting effort following up the UK bit. The papers have been sent (as per IV letter) so the requirement to "apply" has been met.



Just got a letter from the IV saying that now things have been wrapped up in Switzerland they're sending the info to the UK, and they gave the address.
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  #72  
Old 05.08.2019, 12:09
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Re: Going on the IV pension

My experience regarding the UK's decision on a disability pension was that I received documentation from them shortly after the Swiss decision came through as the Swiss had sent them a copy of their decision.
I had to fill in forms and send them back to the UK. Around two years later I heard back from them saying that I was also entitled to disability benefit from the UK, having worked there.
The UK's decision is also backdated to the point when one falls ill, something I was not expecting. So I suddenly received over 3 years of benefits from them in a lump sum and they have been paying out what I think is called ESA (employment support allowance) every fortnight ever since.
They do conduct reviews from time to time, to make sure you are still entitled to their benefit and their reviews are totally independent of the Swiss ones.

Compared to Swiss pensions, the UK ones are low and presumably are based on how many years worth of contributions you have made there. Having only worked in the UK a couple of years, what I receive is tiny and has of course with the weak pound become tinier still recently, but it all helps.
On the plus side you are exempt from (voluntary for non-residents) UK NI/state pension contributions from the moment you fall ill and your entitlement to minimum a UK OAP remains unaffected.
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