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Old 06.01.2010, 12:09
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Declaring your income as an independent (Effect on maternity insurance)

Did not find any information on this in the threads. Please reply if you have first hand experience.
My wife is an independent worker (selbsständig), and currently expecting. I spoke with AHV and they told me the following: She will receive the 14 weeks of maternity insurance equivalent to lost earnings. This will be calculated on the "expected earnings" declared by us in a year (This is the first year that she is working as an indpendent). The AHV lady told me something that confused me: She said, if the actual earnings for the year are higher, she will be paid more money retroactively later. However, if the actual earnings are lower, she does not have to give money back to AHV already received after birth!

Can somebody confirm this? Doesnt this motivate people to declare higher expected earnings just before the due date?
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