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Old 06.01.2013, 14:36
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Resident in Switzerland, working in Germany

I am a US citizen who is married to a Swiss citizen and residing in Switzerland. I am looking at a job, however, in Germany. I would plan to have my principal residence with my husband in Switzerland, but to spend three to four days per week in Germany for work (I would rent a flat there).

I am concerned about (1) to whom I will need to pay tax; and (2) whether I need to purchase both Swiss and German health insurances. My greatest fear is that I will have to pay 40% German tax rates (I know I already have to pay more tax because of the US), as well as purchase two health insurance plans. That would be a pretty powerful incentive not to take the job and wait for something better here.

Can anyone help me weigh the options by answering the questions about tax and health insurance? Thanks!
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Old 06.01.2013, 14:37
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Re: Resident in Switzerland, working in Germany

Actually, a third question. Would my husband have to declare his Swiss income in Germany, and become subject to German taxes even though he works and lives in Switzerland?
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Old 06.01.2013, 14:52
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Re: Resident in Switzerland, working in Germany

Before you worry about the taxes, are you sure you have the right to do this?

According the the free rights treaty, you have free movement if you are moving with your husband. You alone have no rights to free movement.

Is the company apply for a work/resident permit for you?
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Old 06.01.2013, 16:08
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Re: Resident in Switzerland, working in Germany

I believe that your employer would have to arrange
a work permit for you.....

You would be able to work in Germany, if your Swiss wife
lived in Germany with you.

I don't have a right to work in Germany although my wife
is German. We would have to move to the German side
of the border for me to work there legally.
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Old 07.01.2013, 07:13
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by musaafira View Post
Can anyone help me weigh the options by answering the questions about tax and health insurance? Thanks!
You pay health insurance in your country of residence, in this case Switzerland

It would be hard to get German health insurance when you are not resident in that country.

And under Swiss law, health insurance is compulsory in Switzerland.
As you already reside in CH, then you would already have CH health insurance. Ring your insurer and ask how that covers sickness when working in the neighbouring countries - you'll find you'll be covered.

As for accident insurance, which in CH is paid by the employer if working 100%, that is a different story. Again, speak to your insurer. The DE employer will not be obliged to pay the CH accident insurance premium...

Regarding tax, my understanding is you pay in country of residence.
Should you pay in DE as well, then the double tax agreement will ensure you don't pay twice.
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Old 11.01.2013, 13:09
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Re: Resident in Switzerland, working in Germany

Everyone is right, if you are American you'd need a resident visa, then a work sponsorship visa. I would have a full answer regarding insurance agreements, etc. but it seems like you're "stuck" in der Schweiz. Sorry for the negative answer
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Old 11.01.2013, 13:20
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Re: Resident in Switzerland, working in Germany

AFAIK, for US-citizens it's usually not a problem to obtain a work-permit in Germany (there are no quotas).
http://www.arbeitsagentur.de/nn_6168...dorra-USA.html
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Old 09.10.2018, 07:07
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Re: Resident in Switzerland, working in Germany

Hello all...

My question is similar in a way...

My German company is planning to move me to Lindau in Germany. I'm an American married to an American, so no Swiss ties except for some relatives (cousins).

I'd like to enroll my children in school in Switzerland, but that would make my daily commute to Lindau a bit long. Is there any way I can get a permit to live in Switzerland while gainfully employed in Germany if my children are enrolled at a private school in Switzerland?

My guess is that a G permit wouldn't cover my case, or?

Thanks.
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Old 09.10.2018, 08:43
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by fredchatel View Post
Is there any way I can get a permit to live in Switzerland while gainfully employed in Germany if my children are enrolled at a private school in Switzerland?
No. Why?
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Old 09.10.2018, 08:48
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by fredchatel View Post
Hello all...

My question is similar in a way...

My German company is planning to move me to Lindau in Germany. I'm an American married to an American, so no Swiss ties except for some relatives (cousins).

I'd like to enroll my children in school in Switzerland, but that would make my daily commute to Lindau a bit long. Is there any way I can get a permit to live in Switzerland while gainfully employed in Germany if my children are enrolled at a private school in Switzerland?

My guess is that a G permit wouldn't cover my case, or?

Thanks.
Can't you look for another job in Switzerland? Sounds better than a huge daily commute.
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Old 09.10.2018, 10:33
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Re: Resident in Switzerland, working in Germany

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Originally Posted by Richdog View Post
Can't you look for another job in Switzerland? Sounds better than a huge daily commute.
Yes, sure, but right now my company is looking at sending me to Germany so I'm just looking at what's possible right now for my children in terms of schools.

No issue with German schools, but the language issue would be a learning curve for them at first.
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Old 09.10.2018, 10:36
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by fredchatel View Post
No issue with German schools, but the language issue would be a learning curve for them at first.
That would be same in North Switzerland. There are private (international) schools in Germany as well, also quite expensive.
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Old 09.10.2018, 10:53
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by roegner View Post
That would be same in North Switzerland. There are private (international) schools in Germany as well, also quite expensive.
Seems closest big international (English-language) school in southern Germany are in/around Munich. My work location would be in Lindau and I haven't found any online. Closest one I could find to Lindau is actually in St Gallen, hence my question...

For sure I will look once on the ground in Germany. Maybe something that's not showing up on the internet.
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Old 09.10.2018, 10:54
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Re: Resident in Switzerland, working in Germany

Be prepared to fork out some 25-30k CHF per child per semester.
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Old 09.10.2018, 11:04
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by roegner View Post
Be prepared to fork out some 25-30k CHF per child per semester.
Yep... maybe even more. Actually not so different now (I'm in China).

The good part is that the company pays it. I just need to pay the taxes because it counts as my compensation package. US taxes, though, since technically my "home country" is the US.
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Old 09.10.2018, 11:26
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Re: Resident in Switzerland, working in Germany

And German taxes. Or is it an expat contract?
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Old 09.10.2018, 11:45
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Re: Resident in Switzerland, working in Germany

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Originally Posted by roegner View Post
And German taxes. Or is it an expat contract?
Expat contract.
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Old 09.10.2018, 15:57
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by fredchatel View Post
Seems closest big international (English-language) school in southern Germany are in/around Munich. My work location would be in Lindau and I haven't found any online. Closest one I could find to Lindau is actually in St Gallen, hence my question...

For sure I will look once on the ground in Germany. Maybe something that's not showing up on the internet.



Salem is not an option?
https://en.wikipedia.org/wiki/Schule_Schloss_Salem
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Old 10.10.2018, 01:02
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Re: Resident in Switzerland, working in Germany

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Originally Posted by rainer_d View Post
My understanding is that Salem is a boarding school. I'm in the process of getting this clarified directly with them.

Definitely a great great institution nonetheless... amazing tradition and history.
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Old 10.10.2018, 21:21
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Re: Resident in Switzerland, working in Germany

Quote:
Originally Posted by roegner View Post
Be prepared to fork out some 25-30k CHF per child per semester.
No, CHF 35,000 per year per child is a fair account of how much an international school place in Zurich / Zug costs on a non-boarding basis once all the charges are paid. The older the child, the higher the fees. The International School Rheinthal in Buchs is probably the one you are interested in and has the fees set out below:

https://www.isr.ch/wp-content/upload..._2018_2019.pdf
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