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-   -   1st and 2nd pillar benefits for surviving spouse with B permit (https://www.englishforum.ch/finance-banking-taxation/99271-1st-2nd-pillar-benefits-surviving-spouse-b-permit.html)

yacek 13.11.2010 18:29

1st and 2nd pillar benefits for surviving spouse with B permit
 
Hello,
I wonder what happens with a family with permit B, with one working spouse, when the working spouse dies before retirement. In theory the surviving spouse and children should get some pension. What with the B permit renewal? Will it be renewed? Doe the family have to stay in Switzerland to receive the pension?
Yacek

NotAllThere 13.11.2010 19:23

Re: 1st and 2nd pillar benefits for surviving spouse with B permit
 
Sadly this happened to a guy who worked for me. He was from South Africa and died while on a local, permanent contract. His wife (B-permit) did have to leave the country, but the authorities were sympathetic, and gave her plenty of time. She gets the benefits, as defined in the pension contract, paid in SA - widow and orphan's pension. Not sure about 1st pillar benefits though.

Our employer saw them right though. They made him an ex-gratia payment which bought his pension up to the maximum amount. He was only 33.

HappyCreature 22.09.2017 08:42

Re: 1st and 2nd pillar benefits for surviving spouse with B permit
 
Hi,
Reviving an old thread with slightly different topic. does anyone know what is the estimated pension amount per month from pillar 1 contributions for a working life of 10,20,30 or 40 years. is there a calculator that roughtly gives this information?

i know if you work less, your benefits would be less but there is no where i can find out what would be the expected payout from pillar 1 when i retire in 20 years. i wrote a letter to SVA asking for an account statement and they only sent me a letter with the salaries that i earned every year during all my previous years in Switzerland but it does not tell what these salaries mean and how much pension they can pay per month.


the expected payout from pillar 2 is somewhat clear (6.8% return per annum for every 100k in your pot). also, the pension statement sent from the company every January also clearly states the expected pension amount at normal retirement age.


cheers
happycreature

Mullhollander 22.09.2017 08:55

Re: 1st and 2nd pillar benefits for surviving spouse with B permit
 
Quote:

Originally Posted by HappyCreature (Post 2850730)
Hi,
Reviving an old thread with slightly different topic. does anyone know what is the estimated pension amount per month from pillar 1 contributions for a working life of 10,20,30 or 40 years. is there a calculator that roughtly gives this information?

cheers
happycreature

The Swiss AHV website provides a calculator to estimate a pillar 1 old-age pension at this link (English):

https://www.ahv-iv.ch/en/Leaflets-fo...estimate-ESCAL

aSwissInTheUS 22.09.2017 09:59

Re: 1st and 2nd pillar benefits for surviving spouse with B permit
 
Quote:

Originally Posted by Mullhollander (Post 2850735)
The Swiss AHV website provides a calculator to estimate a pillar 1 old-age pension at this link (English):

https://www.ahv-iv.ch/en/Leaflets-fo...estimate-ESCAL

You will have to click on "Editing Income" and then adjust the numbers according your pillar 1 statement.

Here an other calculator from the Federal Department of Finance where you can enter the periods and income directly.
http://v1.acor-avs.ch/?lg=en


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