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Old 05.07.2021, 19:46
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Help understanding Swiss social security

Hello Everyone,


I am a Swiss citizen born and living abroad. I was naturalized in 2018 through my grandmother's lineage.

I work as a consultant so my income varies from year to year, and I would like to find out how I can pay into the social security system so I can benefit from it at the time of retirement.

Any advice or pointers where to start would be greatly appreciated!

Thanks!

Swissroots
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  #2  
Old 05.07.2021, 20:03
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Re: Help understanding Swiss social security

Start here

https://www.ahv-iv.ch/en/Social-insurances

Probably best to contact them directly to see if it's even possible, given your location.
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Old 05.07.2021, 20:54
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Re: Help understanding Swiss social security

As far as I know, it is possible no matter where you live. Why would the location matter if one is a Swiss citizen?
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Old 05.07.2021, 21:07
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Re: Help understanding Swiss social security

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Why would the location matter if one is a Swiss citizen?
It doesn't.

Tom
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Old 05.07.2021, 21:08
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Re: Help understanding Swiss social security

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I work as a consultant so my income varies from year to year, and I would like to find out how I can pay into the social security system so I can benefit from it at the time of retirement.
This should help
https://www.ahv-iv.ch/en/Social-insu.../International

The organisation of the Swiss abroad has information that could be interesting to you. I'd recommend signing up to their newsletter
https://www.swisscommunity.org/en/
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Old 05.07.2021, 21:14
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Re: Help understanding Swiss social security

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As far as I know, it is possible no matter where you live. Why would the location matter if one is a Swiss citizen?
Because, EU
  1. Schweizer, die in einem EU/Efta-Land leben oder arbeiten, können nicht weiter in die AHV einzahlen.
  2. Das Abkommen zur Personenfreizügigkeit PFZ zwischen der Schweiz und der EU schreibt vor, dass man nur in einem Sozialversicherungssystem sein kann.
  3. Renten aus dem EU/Efta-Ausland decken den Rentenausfall in der Schweiz oft nicht. Am Ende bleibt eine finanzielle Lücke, die man privat abfangen/versichern muss.
https://www.srf.ch/sendungen/kassens...in-der-eu-efta

not available in English, but deepl.com will help
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Old 05.07.2021, 21:19
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Re: Help understanding Swiss social security

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It doesn't.
Sorry Tom, it appears that it does. Yes, it came as a surprise to me too.
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Old 05.07.2021, 22:07
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Re: Help understanding Swiss social security

It used to be so that any Swiss person living anywhere in or outside of Switzerland couuld pay into the AHV / IV (social security for a pension), called OASI / IV in English. Now, this has been severely restricted for Swiss citizens but, interestingly, opened up for EU/EFTA citizens.

The Swiss government umbrella website www.ch.ch provides the basic information on many topics. Here, for example, about voluntary contributions to OASI, from abroad.

https://www.ch.ch/en/gaps-contribution/
Voluntary OASI / IV
If you are a Swiss or EU/EFTA citizen and relocate to a country outside the EU/EFTA, you can pay into the voluntary OASI/IV scheme provided you have been insured under the compulsory OASI/IV/EO/(ALV) insurance scheme for five consecutive years prior to moving abroad.

You must apply within a year of having been insured under the compulsory scheme to the Swiss representation (embassy or consulate) responsible for your place of residence or to the Swiss compensation office in Geneva.
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Old 06.07.2021, 01:32
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Re: Help understanding Swiss social security

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As far as I know, it is possible no matter where you live. Why would the location matter if one is a Swiss citizen?
In most cases it does, particularly if you have never been resident in the country and have never contributed while working in the country. And on top of this it depends if Switzerland has negotiated a social agreement with the country you are resident in as well.

You need to contact the offices in the link already provided to find out your situation and do it soon as there are often time limits as to when you can make contributions as well.
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