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Old 26.01.2020, 20:31
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Pension contribution

Hi All,
my husband has no job since 2 years.He was also not paid unemployment benefits for the 2 years. I am working full time. Can he pay the AHV pension contribution retrospectively for this past 2 years? (So that it counts for his pension years, and also increases a bit the retirement pension he will get.)
Thanks a lot for your answers.
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  #2  
Old 26.01.2020, 20:38
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Re: Pension contribution

Yes, he can pay for gaps in his AHV contributions until 5 years previously. Here all the infos:

https://www.ch.ch/en/gaps-contribution/
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Old 26.01.2020, 20:42
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Re: Pension contribution

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Hi All,
my husband has no job since 2 years.He was also not paid unemployment benefits for the 2 years. I am working full time. Can he pay the AHV pension contribution retrospectively for this past 2 years? (So that it counts for his pension years, and also increases a bit the retirement pension he will get.)
Thanks a lot for your answers.
If you are married and have been paying for the last two years, then he should not need to as there will be no gaps.
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Old 26.01.2020, 20:55
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Re: Pension contribution

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If you are married and have been paying for the last two years, then he should not need to as there will be no gaps.
Thank you. My contributions count for him as pension years and as pension "money" as well?
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Old 27.01.2020, 10:37
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Re: Pension contribution

Cf. Point 3 in this leaflet: https://www.ahv-iv.ch/p/2.03.e
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Old 25.02.2020, 12:59
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My husband passed away, i recently found in his documents the list of the Swiss pension fund, he has worked and lived in Switzerland for 15 years but he has only 62 months/colone 4. paid contributions on different sums, when i summed up all the contributions it came up a whole sum of 311.000 Euro.
So my question is can i claim his pension, i am 40 years old and he was 50 when he died, we were 8 years in marriage with no kids. He left Switzerland in 2005 and has no Swiss passport, i also have no Swiss pasport and nationality.

And i forgot to ask how much will i get if i have the right to claim the pension

and if i take a lawyer how much will it cost me?

And for how many years can i have the right to receive his pension, if i have this right at all?

Last edited by roegner; 25.02.2020 at 13:11. Reason: Merging posts
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Old 25.02.2020, 13:37
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Re: Pension contribution

Your husband would have been entitled to a small pillar 1 (state pension) and a pillar 2 (company pension) upon retirement.

Regarding survivors pensions:

See this leaflet for the rights to a state pension and use the links for further information. From the initial information you give (you are 40 yo with no kids) I am not sure you are entitled to anything.

Next, contact your husband's last employer for details of their pillar 2 scheme widow's pension.

With my condolences, I wish you best of luck.
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Old 25.02.2020, 13:50
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Re: Pension contribution

Private pension funds are often transferred to the Stiftung Auffangeinrichtung BVG if an employee leaves an employer without providing instructions on where to transfer the funds. See this link to determine whether this organization is holding your husband's pension funds. Also, try searching the website using your husband's OASI (AHV) number (English):

https://web.aeis.ch/EN/home
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Old 25.02.2020, 14:21
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Re: Pension contribution

If he was not employed by a Swiss company when he died, the pillar 2 would be in a bank account and not a pension fund.

Tom
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Old 25.02.2020, 14:26
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Re: Pension contribution

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My husband passed away, i recently found in his documents the list of the Swiss pension fund, he has worked and lived in Switzerland for 15 years but he has only 62 months/colone 4. paid contributions on different sums, when i summed up all the contributions it came up a whole sum of 311.000 Euro.
So my question is can i claim his pension, i am 40 years old and he was 50 when he died, we were 8 years in marriage with no kids. He left Switzerland in 2005 and has no Swiss passport, i also have no Swiss pasport and nationality.

And i forgot to ask how much will i get if i have the right to claim the pension

and if i take a lawyer how much will it cost me?

And for how many years can i have the right to receive his pension, if i have this right at all?
My condolences.

I am assuming that you were not in Switzerland with your husband and he married you much after leaving Switzerland in 2005, correct ?

Was he may be married previously or could he have withdrawn the AHV and Pillar 2 long before marrying you ?

Best is to ask the company he worked last in Switzerland
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Old 25.02.2020, 14:39
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Correct, i havent lived in Switzerland ever.
My husband is in the first pillar AHV state pension, and as i have read i am entitled to pension because the marriage have lasted longer than 5 years, regardless of the fact that we havent had children. I cannot contact my husband employers, because that was long time ago, i plan on giving all the neccesery document to an attorney, thats the best solution.
I thought that someone could answer me how much should i expect this pension to be, because i have information that a widows pension is 60% of the deceased husbands/wifes pension. So i dont know what sum to expect for 5 years of paid contributions.
Thanks for the replys

I can claim the pension after i turn 45 years, so thats in 5 years from now.
But i dont know for how many years can i receive it.

Last edited by roegner; 25.02.2020 at 15:38. Reason: Mergin consecutive posts
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Old 25.02.2020, 15:44
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Re: Pension contribution

Anspruch auf eine Witwenrente haben Frauen, deren Ehegatten verstorben ist, wenn sie zum Zeitpunkt der Verwitwung mindestens ein Kind haben oder wenn sie, ebenfalls zum Zeitpunkt der Verwitwung, das 45. Altersjahr zurückgelegt haben und mindestens 5 Jahre verheiratet waren.

You have to be married for 5 years and be 45 years old at the time your husband died or have kids

https://www.123-pensionierung.ch/de/...e-witwerrente/

https://www.ahv-iv.ch/p/3.03.e
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Old 25.02.2020, 16:16
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Re: Pension contribution

One needs to differentiate between

First Pillar (Old Age Pension)
Second Pillar (Company Pension)

First Pillar (Old Age Pension): Based on the OP's post it appears that she is referring to the extract of the AHV/IV/EO, which lists in which years his employer paid AHV/IV/EO contributions and on what salary amounts. In this case, one should not confuse the salary amounts stated in the extract with actual contributions. In case the OP has any questions as to whether she is entitled to any benefits as a widow, she can contact:
https://www.ahv-iv.ch/en/Contacts/DI...ng-abroad-OAIE

Second Pillar (Company Pension). Assuming that the OP's husband paid into a pension and considering that he left Switzerland in 2005 (and presumably stopped working for his Swiss employer) his accrued pension payments will have either been transferred to a bank account ("Freizügigkeitskonto"), to an account held by the "Auffangeinrichtung BVG" (https://web.aeis.ch/; if he did not give any instructions on what to do with the accrued pension payments), been paid out to him personally, if he left Switzerland for good and requested that the accrued pension payments be paid out (depending on where he left to i.e. within EU/EFTA or outside EU/EFTA the amount he could withdraw would be different). In any of these scenarios the OP would likely not be entitled to actual pension, since the OP's husband would no longer be "insured" with a pension company/institution. The OP would possibly be entitled to the cash amounts held on the Freizügigkeitskonto or the Auffangeinrichtung as a matter of matrimonial/inheritance law, if the OP had not otherwise already withdrawn the amounts. Again in case of questions, the pension company/insitution in which the OP's husband had been registered with should be able to assist, in particular state where any amounts were paid to; and/or the OP can check with the Auffangeinrichtung BVG, whether they hold an account for the OP's husband's name.
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Old 25.02.2020, 16:42
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Re: Pension contribution

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I can claim the pension after i turn 45 years, so thats in 5 years from now.
No, you have to be 45 at the time of his death, or have children under 18 years old.

You won't get anything at 45, but at 64 you should.

Tom
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Old 01.03.2020, 16:06
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Re: Pension contribution

Ok so my husband is not dead yet, he is terminally ill, im sorry to formulating the question that way.
Does anybody know what sum is the pension for 5 years contributions
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Old 01.03.2020, 16:16
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Re: Pension contribution

Isn´t pillar I calculated to be paid in over 45 years? So 1/9th of the amount.

https://www.123-pensionierung.ch/de/ahv/hoehe-ahv/
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Old 01.03.2020, 16:20
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Re: Pension contribution

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Ok so my husband is not dead yet, he is terminally ill, im sorry to formulating the question that way.
Does anybody know what sum is the pension for 5 years contributions
200/month, assuming that you are at least 45 or have children at the moment of death, otherwise 0.

Tom
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Old 01.03.2020, 16:22
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Re: Pension contribution

For Pillar 2 you can contact the "Auffanggesellschaft", they should be able to tell you how much and when (60% IIRC)
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Old 01.03.2020, 16:29
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Re: Pension contribution

Best is to quit prior to retirement or death so that you can take the cash.

Tom
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