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Old 01.02.2017, 16:33
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AHV Amounts at retirement

Playing with the online AHV calculator:
https://www.ahv-iv.ch/en/Leaflets-fo...estimate-ESCAL

1. I'm confused about the following:
The maximum single person AHV payout is chf 28200 per year / 2350 per month.
The maximum married couple AHV payout is CHF 42300 per year /3525 per month.

So another penalty for being married?


2. Simulating that I worked for awhile before being married, the calculator shows a first pension of 2350, then 13 months later a second pension of 1763.

This means that for a two years one would receive the full single person allowance and then after that this would disappear and be replaced with the married couple allowance?
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Last edited by krlock3; 01.02.2017 at 17:08.
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Old 01.02.2017, 16:45
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Re: AHV Amounts at retirement

Yes another penalty for being married

It is not unusual for retired couple here to divorce for pension reasons; and somehow finish up still living together
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Old 01.02.2017, 16:59
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Re: AHV Amounts at retirement

... ...

Are you kidding me? Why, oh why?
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Old 01.02.2017, 17:04
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Re: AHV Amounts at retirement

By the sounds of it Anjela & I are going to have to move in together to survive on our meagre pensions.
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Old 01.02.2017, 17:07
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Re: AHV Amounts at retirement

I entered the same theoretical retirement date for myself and the wife. Why would I receive the single persons allowance for 13 months before reverting to a married persons allowance?
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Old 01.02.2017, 17:35
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Re: AHV Amounts at retirement

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I entered the same theoretical retirement date for myself and the wife. Why would I receive the single persons allowance for 13 months before reverting to a married persons allowance?
Maybe because you will reach retirement age 13 months before she does?

I don't really know the answer, that's just a guess as to the possible reason.
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Old 01.02.2017, 17:49
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Re: AHV Amounts at retirement

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Maybe because you will reach retirement age 13 months before she does?

I don't really know the answer, that's just a guess as to the possible reason.
Yes must be, I did enter the same end date but of course it must take date of birth.
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Old 01.02.2017, 17:55
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Re: AHV Amounts at retirement

From what I had read, it is so expensive to get divorced in Switzerland - even if there is no money involved.
Would it be better (based on the pension argument above) for my wife and I to get a cheap "quicky" divorce in the Uk before we get to 62 / 63?

Just on the paperwork side — probably we will end up in the UK anyway with 2 single Swiss AHV pensions plus our pillar 2 pensions - then maybe we could have an OK (not mega) life vs scrapping out out an existence here.
Presuming I survive the next few years that is.
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Old 01.02.2017, 18:12
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Re: AHV Amounts at retirement

Maybe Odile could set up some pods in her garden in the Jura so we can all retire up there.
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Old 01.02.2017, 18:13
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Re: AHV Amounts at retirement

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From what I had read, it is so expensive to get divorced in Switzerland - even if there is no money involved.
No, it's not expensive at all (if everybody's in agreement).

Tom
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Old 01.02.2017, 21:34
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Re: AHV Amounts at retirement

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No, it's not expensive at all (if everybody's in agreement).

Tom
Correct, in Switzerland it is relatively painless.
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Old 07.02.2017, 13:57
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Re: AHV Amounts at retirement

hi folks. Just did the calculation on line.
I worked in Zurich for quite some years.
I "retire" in 12 weeks time.
Is there an online form for application for my pension or do I need to write and if so anyone know the address?
thx
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Old 07.02.2017, 14:08
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Re: AHV Amounts at retirement

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hi folks. Just did the calculation on line.
I worked in Zurich for quite some years.
I "retire" in 12 weeks time.
Is there an online form for application for my pension or do I need to write and if so anyone know the address?
thx
You'd better get your skates on as you should really have applied 5-6 months before retirement date.

Here are the forms and info. You can change the language to French, English or Italian on the app,i action form.

https://www.svazurich.ch/pdf/merkbla...nanmeldung.pdf

https://www.svazurich.ch/internet/de...anmeldung.html

https://www.ahv-iv.ch/de/Merkblätter...ng-Altersrente

In Neuchâtel they actually send the forms out well in advance but it appears that in Zurich you have to apply yourself. Hubby ( or rather I) took ages to get the info together to fill in his form but once we'd sent it off they replied really quickly giving details of how much he would receive and when they would start the payments.

Last edited by Belgianmum; 07.02.2017 at 14:39. Reason: Correcting autocorrect typos.
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Old 07.02.2017, 14:23
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Re: AHV Amounts at retirement

Form's available in English in paper form if you wish.

https://www.ahv-iv.ch/en/Leaflets-fo...plication-form

Just download and print off.

And don't panic. Yes, you're supposed to apply months beforehand. But I didn't - kept putting it off - and only sent the form off the week before I reached retirement age here. And they still managed to organise it so my payments started on time. Mind you I haven't worked here so it was only the contributions the OH made for me through his salary, but even so I provided the details of my UK employers as well as required. But Fribourg canton is really good at dealing with these things.
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Old 07.02.2017, 14:39
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Re: AHV Amounts at retirement

Running through the calculator:

I have not worked in CH, any AHV I might be entitled to would be based on OH's payments.

But if I have done the calculation correctly, my claiming AHV reduces OH's payment by more than the amoung I might get. So it looks like we would be better off if I do not claim.

Am I missing something? Are there other reasons for a non-working spouse to claim AHV?
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Old 07.02.2017, 15:05
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Re: AHV Amounts at retirement

I propose a new sub group for us useless appendages... Baggy Leach Brigade ... Saggy Appendages Troup ... Antiquated Muff Crew?
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Old 07.02.2017, 16:38
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Re: AHV Amounts at retirement

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I propose a new sub group for us useless appendages... Baggy Leach Brigade ... Saggy Appendages Troup ... Antiquated Muff Crew?


??


Not sure what you are referring to? Trailing spouses and the like?
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Old 07.02.2017, 16:42
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Re: AHV Amounts at retirement

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I propose a new sub group for us useless appendages... Baggy Leach Brigade ... Saggy Appendages Troup ... Antiquated Muff Crew?
! We don't need any more pejorative phrases Neddy.


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??


Not sure what you are referring to? Trailing spouses and the like?
Indeed.

I prefer the term Goddess of All Things. If he knows what's good for him...
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Old 07.02.2017, 17:00
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Re: AHV Amounts at retirement

OK I will stop playing with my Thesaurus.
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Old 07.02.2017, 17:13
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Re: AHV Amounts at retirement

The "penalty" is because AHV has benetifs for widow(er) and children.
It probably made more sense for a single-earner family of yore then in a double income family of today.
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