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Old 13.10.2021, 14:51
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Claiming Unemployment Benefit over age 65

Please answer if you have direct experience (probably not that many on this site )


I notice on the RAV form you are ineligible for Unemployment benefit if you are receiving the CH state pension (1st pillar).

It is possible to defer your CH state OAP for at least two years I believe.

Does this mean if you become unemployed at 65 you will be able to get RAV, as your pension payment is deferred?
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Old 13.10.2021, 15:47
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Re: Claiming Unemployment Benefit over age 65

You may continue to work even if you have reached the normal retirement age.

In this case, you may postpone the receipt of your OASI (1st pillar) pension by at least 1 year and by a maximum of 5 years, or you may receive the pension despite being gainfully employed. The AHV contributions you pay after reaching the regular retirement age are solidarity contributions and no longer affect the amount of your pension.

AHV contributions
If you continue to work after retirement, AHV, IV and income replacement contributions will continue to be deducted from your salary. However, contributions to unemployment insurance will no longer be deducted, as you will no longer be entitled to unemployment benefits at retirement age
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Old 13.10.2021, 15:58
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Re: Claiming Unemployment Benefit over age 65

Ok thanks for this, but if you are NOT receiving your pension because you have deferred it prior to becoming unemployed (which I thing is a non-rescindable decision btw) then are you still eligible for unemployment benefit?
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Old 13.10.2021, 16:03
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Re: Claiming Unemployment Benefit over age 65

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Ok thanks for this, but if you are NOT receiving your pension because you have deferred it prior to becoming unemployed (which I thing is a non-rescindable decision btw) then are you still eligible for unemployment benefit?

No IŽd say, as you are entitled to AOP. If you postpone that, that is your free choice.



As ZR said:


However, contributions to unemployment insurance will no longer be deducted, as you will no longer be entitled to unemployment benefits at retirement age
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Old 13.10.2021, 16:04
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Re: Claiming Unemployment Benefit over age 65

No. As soon as you reach retirement age you will not get RAV money? Do you really think RAV would decide to pay you if they don't have to? And as their main job is to get you a job, I doubt they would be interested in having you on RAV.
AHV is here for exactly this reason.
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