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Old 10.03.2016, 10:50
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financial aid from governement?

Dear Forum Members,

We will have our first baby this year and are getting a bit scared with the cost of having children in Switzerland (specially with daycare prices). We were quite ok with what we earned until now, but it seems things will get a lot more tight…

Does anyone know if there is any finantial aid provided by the governement for families with low income? What are the conditions you need to meet? Is there any website or institution that we should look for?

Thank you very much for any hint or suggestions!...

Best, Pippa
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Old 10.03.2016, 10:56
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Re: finantial aid from governement?

The local Geminde may give you help with child care costs (percentage off the full price) if you're on a low income. You should check on their website. Other than that all you can do is tighten that belt I'm afraid. The state won't nurse you here.
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Old 10.03.2016, 11:13
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Re: finantial aid from governement?

ch.ch has a webpage on family allowances in English. The allowance is at least CHF 200 per month per child:

https://www.ch.ch/en/family-allowances/
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Old 10.03.2016, 15:27
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Re: finantial aid from governement?

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The local Geminde may give you help with child care costs (percentage off the full price) if you're on a low income. You should check on their website. Other than that all you can do is tighten that belt I'm afraid. The state won't nurse you here.




Dear Loz1983, many thanks for your reply!





I was trying to look in the website of Basel-Stadt but was not able to get around with my very basic german knowledge. I will try to go to the migration office and see if they can direct me to a specific department. I know that we will have to tighten the belt a lot!





I thought about asking in case someone knew more details about it. Once I overheard that if you earn less than 9’000 a month you can get some help, but so far couldn’t find any information about it online.





Thanks again!



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Old 10.03.2016, 15:37
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Re: finantial aid from governement?

9.000 a month will not be the case as that is way above the median salary in Switzerland.


Good luck
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Old 10.03.2016, 15:37
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Re: finantial aid from governement?

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Once I overheard that if you earn less than 9’000 a month you can get some help, but so far couldn’t find any information about it online.
Sounds high, reality is more like half that.

Tom
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Old 10.03.2016, 15:42
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Re: finantial aid from governement?

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Sounds high, reality is more like half that.

Tom
Are you sure?
9000*12=108 000CHF/year, it's even below the previous EF line of poverty (120K/year). Not it's 130K/year...

I think the harsh reality will take over for the OP, around 9K/months, 2 adults, 1 baby... Finish the caviar only dinners. OP brace yourself and start considering switching to Salmon....

I do feel sorry for these people in dire financial conditions ...

Good Luck PippaInBambi'sWorld, I'm 100% sharing your tough condition!
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Old 10.03.2016, 15:43
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Re: finantial aid from governement?

If either you or your partner isn't a high earner, perhaps it would make more sense if one of you stays at home to care for the baby? Full time day care can cost up to 3000 bucks a month.
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Old 10.03.2016, 15:54
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Re: finantial aid from governement?

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Dear Forum Members,

We will have our first baby this year and are getting a bit scared with the cost of having children in Switzerland (specially with daycare prices). We were quite ok with what we earned until now, but it seems things will get a lot more tight…

Does anyone know if there is any finantial aid provided by the governement for families with low income? What are the conditions you need to meet? Is there any website or institution that we should look for?

Thank you very much for any hint or suggestions!...

Best, Pippa
So you will not be in actual financial difficulty, things will just be "more tight"? Pretty sure that is one of the outcomes of having a family.

Last edited by Richdog; 10.03.2016 at 18:54.
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Old 10.03.2016, 15:59
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Re: finantial aid from governement?

Just maybe some are jumping to conclusions?

"...I overheard that if you earn less than 9’000 a month..."

Doesn't actually mean "I earn 9k per month" .. Maybe the OP earns 5k per month, or 3k ?
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Old 10.03.2016, 16:06
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Re: finantial aid from governement?

Just reminder too- there is NO such thing as 'a Swiss system' of childcare and subsidies. Some areas choose to subsidise childcare heavily and provide many lunchtime, before and after school places. Some had negotiatied further help with subsidies with the employers too. This is the case where I live, where parents only pay a 1/3rd of the cost of childcare, and this for all parents, not just those with low income.

This is rarely known or taken into consideration when people look at tax rates- and neither is the availability of larger appartments at reasonable rates for larger families and with pets.

Last edited by Odile; 10.03.2016 at 16:17.
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Old 10.03.2016, 16:25
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Re: finantial aid from governement?

There are several resources which can provide relief for families e.g. health care subsidies, child allowance (already mentioned) - it's often based on your last taxable income.

Without knowing your circumstances, it's pretty impossible to give advice here.
As also mentioned, your best bet is to make an appointment with the Gemeinde with which you're registered. Or maybe this could also point you in the right direction in English:

http://www.caritas-schuldenberatung....lling_services
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Old 10.03.2016, 16:41
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Re: finantial aid from governement?

There are various (canton-specific) subsidy systems in place to support families! Luzern and Bern have such systems. I don't know the specifics for Basel, but it seems there is such a subsidy available.

Go here: http://www.ed-bs.ch/
Then select "Rechner Tagesbetreuung" and follow the steps to calculate the subsidy you are entitled to.

Also, start looking for a place now! This website is helpful:
http://www.kinderkrippen-online.ch/

You can also contact the KiTas you are interested in and ask information about the subsidized places. For example, this one has places ("Subventionierte Plätze") available:
http://www.kinderkrippen-online.ch/kinderbetreuung/1155
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Old 10.03.2016, 16:45
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Re: finantial aid from governement?

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There are several resources which can provide relief for families e.g. health care subsidies, child allowance (already mentioned) - it's often based on your last taxable income.

Without knowing your circumstances, it's pretty impossible to give advice here.
As also mentioned, your best bet is to make an appointment with the Gemeinde with which you're registered. Or maybe this could also point you in the right direction in English:

http://www.caritas-schuldenberatung....lling_services

You have not mentionned your work/living permit situation. You have to be aware that requesting help with living, health insurance, etc- may well result in your work/resident permits NOT being renewed.
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Old 10.03.2016, 16:48
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Re: finantial aid from governement?

Pippa, please ignore all the negativity on this thread.

Most cantons offer some sort of susbidy on health insurance if you are below a certain income. There are also child allowances and other support payments.

However, in Switzerland 9000 CHF does not really qualify as a low income. Best thing is to ask at the Sozialhilfe to see what they can do and what your rights are.
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Old 10.03.2016, 17:58
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Re: finantial aid from governement?

Dear all,

Thank you very much for all the useful information.

When I refered what I heard once about the 9'000 a month, i was not meaning that I earn that - i was just quoting what I heard someone saying, willing to find out if it is true or not.

However, to give more details, my husband salary + mine are below 9'000 a month...if i earned 9'000 month i wouldn't be worrying about the daycare cost!..or pretty much anything!

Anyway, I am pretty sure we will be fine one way or another and we are very happy to welcome this baby to our family
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Old 10.03.2016, 18:12
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Re: finantial aid from governement?

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Dear all,

Thank you very much for all the useful information.

When I refered what I heard once about the 9'000 a month, i was not meaning that I earn that - i was just quoting what I heard someone saying, willing to find out if it is true or not.

However, to give more details, my husband salary + mine are below 9'000 a month...if i earned 9'000 month i wouldn't be worrying about the daycare cost!..or pretty much anything!

Anyway, I am pretty sure we will be fine one way or another and we are very happy to welcome this baby to our family
Hey, it's wonderful - hope that you can make a start from these posts! I wish you the best start for your family. I think you've been given some good contact points, probably more will come.

You'll notice that when you become a Mom anything is possible.
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Old 10.03.2016, 18:45
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Re: finantial aid from governement?

Hi,
Congratulations on the baby. Basel Stadt pays 200 CHF child support per month per child. As soon as your child is born, you can apply for this. This is irrespective of income.

If you continue to work after after the baby is born and you need to put the baby in a daycare, you can get a subsidy depending on your total household income. To my knowledge, subsidized Krippe places are limited so you might want to apply early enough. The cost of childcare can be as low as 100 CHF per month (as opposed to 2500-3000 CHF for those with high incomes) depending on how low your income is so that you can continue to work.

I have heard about health insurance subsidies but I have also heard that this counts as "Sozialhilfe" (welfare) and this might cause problems down the line with your permit or citizenship issues. I am not sure on this but it is best to investigate before accepting a "Prämienverbilligung".
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Old 12.03.2016, 21:18
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Re: finantial aid from governement?

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Dear all,

Thank you very much for all the useful information.

When I refered what I heard once about the 9'000 a month, i was not meaning that I earn that - i was just quoting what I heard someone saying, willing to find out if it is true or not.

However, to give more details, my husband salary + mine are below 9'000 a month...if i earned 9'000 month i wouldn't be worrying about the daycare cost!..or pretty much anything!

Anyway, I am pretty sure we will be fine one way or another and we are very happy to welcome this baby to our family

i did discuss with my wife last week a list for childcare in Grossbasel. We were shocked about the Prices. They did give a list to us as they want to have from us 2300 CHF per month for our 2 years old baby.
Subvention regarding the care starts for 3 persons Family with 42 500 CHF per year and ends up with 24900 CHF per year (200 CHF per month). Our income is bigger that 42500 CHF and we are 3 persons. So we do have to pay this 2300 CHF per month.
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Old 12.03.2016, 22:54
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Re: financial aid from governement?

Thats why many women who give birth to a child do not return to work, because the childcare here in switzerland is pretty expensive.
Some couples here in switzerland divorce to save taxes.
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