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Old 08.02.2017, 18:08
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Retiree offered job

I've been invited for an interview in Switzerland for a position in my field.

I have Swiss nationality and voluntarily paid AVS for some years and get a State pensions from 4 countries.

Just wondering: what does a 70-y.o have in the way of AVS, 2/3 pillar obligations, if any? Here in the UK I am exempt from NIC, but I'm not much working anyway. This opportunity just came up because somebody quit and there aren't very many people in the world who know the nonsense I do.

FWIW I just applied for a £65 EEA residence card offered to Swiss because the price may go up to £1,000 after Brexit.
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Old 09.02.2017, 11:53
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Re: Retiree offered job

I am fairly sure that you have no requirements to pay into the avs/ahv scheme. Health (compulsory) and other insurances such as third party liability (advisable) should be factored in to your budget. The link for avs information is
www.ahv-iv.ch/en/Contacts#qa-1617
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Old 09.02.2017, 18:23
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Re: Retiree offered job

As a pensioner you do have to pay AHV contributions if you have an income from work (employed or freelance). See here (info not available in English):
https://www.ahv-iv.ch/de/Sozialversi...C3%A4ge#qa-741

However, AHV contributions on such income are only due if your work income exceeds 1400 CHF/month or 16800 CHF annually. See Section 14 of this (German) document:
https://www.ahv-iv.ch/p/2.01.d

However, even if you do pay AHV contributions as a working pensioner this will NOT increase your pension.
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Old 09.02.2017, 18:32
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Re: Retiree offered job

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I've been invited for an interview in Switzerland for a position in my field.
. . .
Just wondering: what does a 70-y.o have in the way of AVS, 2/3 pillar obligations, if any?

. . .
Tell us more about the job opportunities here for 70 year olds.
I'd guess that when the time comes, I'd just take the job and sort out the administrative details afterwards.
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Old 09.02.2017, 18:59
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Re: Retiree offered job

If it is only a short term project - could you work under the umbrella of a uk limited company and invoice from there?

If you get back into the Swiss tax and social system machine again, it will take years to extract yourself from. I still get bills from 2014.

Maybe with the health insurance - it will be interesting what premiums they offer at 70. Is there a better option?
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Old 09.02.2017, 19:36
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Re: Retiree offered job

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Maybe with the health insurance - it will be interesting what premiums they offer at 70. Is there a better option?
There is no age related increase in premiums for basic insurance once you are over 25. It's only the supplementary insurance that increases with age.
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Old 09.02.2017, 20:00
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Re: Retiree offered job

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As a pensioner you do have to pay AHV contributions if you have an income from work (employed or freelance). See here (info not available in English):
https://www.ahv-iv.ch/de/Sozialversi...C3%A4ge#qa-741

However, AHV contributions on such income are only due if your work income exceeds 1400 CHF/month or 16800 CHF annually. See Section 14 of this (German) document:
https://www.ahv-iv.ch/p/2.01.d

However, even if you do pay AHV contributions as a working pensioner this will NOT increase your pension.
Interesting as we employed an old fool who had worked for us up to his retirement at 65. He was considerably cheaper in retirement as we did not need to pay any AVS or pension on his salary.
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Old 09.02.2017, 20:08
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Re: Retiree offered job

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As a pensioner you do have to pay AHV contributions if you have an income from work (employed or freelance).
However, even if you do pay AHV contributions as a working pensioner this will NOT increase your pension.
AHV contributions are payable until age 70 for men and 69 for women if you continue to work after the official retirement age. After that, nothing is payable. But you're right - the contributions are not added to your pension
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Old 09.02.2017, 20:34
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Re: Retiree offered job

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FWIW I just applied for a £65 EEA residence card offered to Swiss because the price may go up to £1,000 after Brexit.
My wife has only a Swiss passport - myself British and Swiss. Would it be advisable to get a EEA card for her if we were moving to the uk in the next year or two?
Or would it be better to start half living in the UK before brexit?
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Old 09.02.2017, 20:45
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Re: Retiree offered job

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My wife has only a Swiss passport - myself British and Swiss. Would it be advisable to get a EEA card for her if we were moving to the uk in the next year or two?
Or would it be better to start half living in the UK before brexit?
You have to be UK resident to get a card, so you need to be living or CLAIM to be living in the UK & paying UK taxes on your world wide income.
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Old 09.02.2017, 21:13
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Re: Retiree offered job

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Interesting as we employed an old fool who had worked for us up to his retirement at 65. He was considerably cheaper in retirement as we did not need to pay any AVS or pension on his salary.
Please elaborate / substantiate
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Old 09.02.2017, 21:24
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Re: Retiree offered job

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AHV contributions are payable until age 70 for men and 69 for women if you continue to work after the official retirement age. After that, nothing is payable. But you're right - the contributions are not added to your pension
Could you elaborate on your statement ? I believe you are confusing the maximum term of five years for which you can postpone the start of drawing your AHV pension - in return for a higher pension - with AHV contributions which are payable on income you receive while drawing a pension.
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Old 09.02.2017, 21:39
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Re: Retiree offered job

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Please elaborate / substantiate
The guy retires aged 65. Had him back for 2 months the following summer & did not need to pay normal social charges except accident. His cost per hour was lower to my budget than when he worked full time at the same salary + 10.5% holiday pay.
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Old 10.02.2017, 07:52
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Re: Retiree offered job

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Could you elaborate on your statement ? I believe you are confusing the maximum term of five years for which you can postpone the start of drawing your AHV pension - in return for a higher pension - with AHV contributions which are payable on income you receive while drawing a pension.
No, I'm not confused Yes, you can postpone your pension for up to five years for any reason - you do not have to be working - and you will receive a higher pension when you do eventually take it. But if you work, then you pay AHV contributions until you reach the maximum age of 69 or 70.

The point is that if you continue to work after the official age of retirement, you will pay AHV contributions whether you are drawing your pension or not. The two are not related in that these contributions, as someone has already pointed out, are not added to your pension pot - they go into a black hole
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Old 10.02.2017, 18:51
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Re: Retiree offered job

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As a pensioner you do have to pay AHV contributions if you have an income from work (employed or freelance). See here (info not available in English):
https://www.ahv-iv.ch/de/Sozialversi...C3%A4ge#qa-741

However, AHV contributions on such income are only due if your work income exceeds 1400 CHF/month or 16800 CHF annually. See Section 14 of this (German) document:
https://www.ahv-iv.ch/p/2.01.d

However, even if you do pay AHV contributions as a working pensioner this will NOT increase your pension.
Oi. I get a paltry AVS pension and this salary in the off chance I get it will be 100 times that pension. Just another tax i guess. Worse still: we rented out our flat b/c somebody made an offer we couldn't refuse. But I won't be homeless b/c that's not allowed, they tell me. Well, they liked my cv. Let's see if it goes further. How many times have i come in 2nd for a great job?
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Old 10.02.2017, 18:59
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Re: Retiree offered job

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But if you work, then you pay AHV contributions until you reach the maximum age of 69 or 70.
Well, I was hoping to get a reference to your claim that when working while drawing an AHV pension you do have to pay AHV contributions (only) until the age of 70/69, but not beyond. I did not find any such statement in the AHV documents.
We seem to agree on everything else.
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Old 10.02.2017, 18:59
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Re: Retiree offered job

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Tell us more about the job opportunities here for 70 year olds.
I'd guess that when the time comes, I'd just take the job and sort out the administrative details afterwards.
Lawyer. We live forever and the older the better. My Swiss ancestors lived to 95+. One was in show business and is still talked of. I don't so much b/c he played in Nazi Germany too. I have his work permit from the day.
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Old 10.02.2017, 19:05
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Re: Retiree offered job

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Lawyer. We live forever and the older the better.
And in this noble profession a few streaks of silver actually increase our daily rates.
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Old 10.02.2017, 20:13
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Re: Retiree offered job

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Well, I was hoping to get a reference to your claim that when working while drawing an AHV pension you do have to pay AHV contributions (only) until the age of 70/69, but not beyond. I did not find any such statement in the AHV documents.
We seem to agree on everything else.
I was told by my accountant that contributions stopped at the ages of 69 or 70, presumably because that is also the latest date at which a deferred pension must be taken. However, we were talking about self-employed contributions. But it would be difficult to justify taking contributions indefinitely that do not benefit the person - there must be a cut-off point.

Two AHV publications are helpful (in English): www.ahv-iv.ch/p/3.04.e www.ahv-iv.ch/p/2.01.e
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Old 10.02.2017, 20:55
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Re: Retiree offered job

Much appreciate the info. No point getting excited just because I was told my cv was "perfect". Been there, done that: been #2 in the short list several times, so not hired.

But I do have to plan ahead just in case. My spouse would remain UK-domiciled (she is anyway UK citizen) for months: guess both countries will want to tax us. Wonder if I can surrender my very old (1979) French driving licence instead of the very new (third-time lucky on the test required at age 70) UK licence. On the other hand I've got lots of others: Florida, Quebec (their post-70 medical exam is half the price and twice as thorough as the Swiss one my wife took last year).

I imagine our tax situation will be taxing. When I lived in Geneva I worked for an international organisation with quasi-diplomatic status (got my Swiss ppt b/c my Mum is Swiss and living there gave me the required residence).

I do complete Vaud tax returns already (b/c of that flat we are renting out now). It will be frustrating not to live in our own place but that's life. And anyway the chance of pulling this off is, I would guess, 20%. If I have any advantage it's b/c the employer doesn't need any permit, doesn't have to prove there's no competent Swiss available. Or maybe they don't have to prove that for UK citizens yet (until Brexit)? What do I know? Nada. I just fake it.

Actually I do know a couple of things. After we bought our flat we lived in it 6 months & I was convoked by the Population Office to prove this & that. Gave them a proof of registration with the London Embassy (£20) which satisfied them, but of course I wasn't working. Then I went to Lausanne to the health insurance office trying to convince them that my retiree health insurance (there's a limited exception for ex-diplomats) was equivalent. Two defects: (1) doesn't cover abortion but they were willing to forgo that b/c of age, (2) doesn't cover EMS. So while they said other cantons might, in Vaud I'd have to buy at least 1,500 CHF franchise insurance even though it would never pay me anything b/c my existing insurance pays 90$% already.

Last edited by Caryl; 10.02.2017 at 21:07.
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