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  #1  
Old 21.02.2017, 17:42
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AHV Refund

After scouring the forum there is still some loose ends and would love to hear from anyone has done what I want to do.

I am a British Citizen and intend to retire / reside in a non-EU country and not one on the list of 12 that have a bilateral agreement with Switzerland which is New Zealand.

I would like to have my AHV contributions refunded as a lump sum.

The thing that is not clear and is contradicted in some of the Swiss AHV pdf documents is whether you have to be a citizen of that country (new Zealand) or just retiring there as a UK citizen
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  #2  
Old 21.02.2017, 20:20
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Re: AHV Refund

No, you don't have to be a citizen. Why would you need to?

https://www.sem.admin.ch/dam/data/se...zialvers-e.pdf
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  #3  
Old 22.02.2017, 08:56
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Re: AHV Refund

We left for NZ in 1991 and came back (not planned!) to Switzerland in 2001. At the time, I had my pillar 2 contributions paid out but not pillar 1. My nationality was not an issue.
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Old 22.02.2017, 09:11
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Re: AHV Refund

A friend (French) applied for refund of Pillar 1 after moving to Singapore. It was refused due to the country of citizenship (France/EU) having a social security agreement with Switzerland.

Pillar 2 is no issue to withdraw, have done it myself.
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Old 22.02.2017, 09:18
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Re: AHV Refund

Hmm

Medea Fleecestealer and atm82 seem to be saying an opposite point of view. And this is my confusion. Some say residency is the overriding factor and some say citizenship.

I will talk to the AHV and see if I can get a definitive answer.

its important for me personally as I have various health issues meaning living to 80 is unlikely - that age being the crossover point as to whether a monthly income is better than a lump sum payout.
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  #6  
Old 22.02.2017, 13:44
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Re: AHV Refund

reading the quoted document it keeps referring to 'your country' without explicitly stating your country of residence or your country of citizenship.
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Old 22.02.2017, 15:02
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Re: AHV Refund

Pillar 2, occupational pension, you can withdraw based on where you go after CH. This is not dependent on your citizenship but where you are resident.

Pillar 1, the AHV, can only be withdrawn by citizens of certain countries when they leave, as part of treaties between CH & that country. Here citizenship matters.

Hope this clarifies somewhat.
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Old 22.02.2017, 15:39
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Re: AHV Refund

Thanks DUTCH

Thats how I have unfortunately interpreted the rules as well.

A shame the document does not explicitly state that.

So thats a 100K I thought I might get that now seems I won't
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Old 22.02.2017, 16:30
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Re: AHV Refund

OK The definitive answer from AHV :


Dear ..

The reimbursement of AHV contributions depends indeed on the nationality. Only citizens of a country with which Switzerland has not signed any social security agreement may apply for the reimbursement of AHV contributions when leaving Switzerland definitively. This excludes British citizens since there are social security regulations between Switzerland and the EU Member States. There is also a bilateral agreement between Switzerland and the UK, that would still apply even if the dispositions between Switzerland and the EU Member States were no longer applied to the UK.

You’ll find more information on the reimbursement of contributions under: https://www.zas.admin.ch/zas/en/home...tisations.html

AHV pensions are paid worldwide to British citizens.

The brochure “Sojourn in Switzerland and departure” provides practical information as regards Swiss social insurances for the preparation of a definitive departure from Switzerland.

We hope this will help!

Kind regards,


Agreements Unit

Federal Department of Home Affairs FDHA
Federal Social Insurance Office FSIO
International Affairs

Effingerstrasse 20 ¦ CH-3003 Berne
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  #10  
Old 28.08.2017, 11:39
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Re: AHV Refund

Just confirming nationality as the defining factor. I called the Swiss Compensation Office today and they confirmed that what overrides is your nationality; I am EU, moving to a non-EU/non-agreement country, but I am still under the EU nationality rule. So I cannot get AHV contributions back, but yes 2nd column, and 3rd if I had put anything there.


I had a to wait a bit on hold but then they were very helpful and friendly: https://www.ahv-iv.ch/en/Contacts/Sw...ion-Office-SCO
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Old 28.08.2017, 11:44
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Re: AHV Refund

https://www.englishforum.ch/finance-...d-summary.html
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Old 08.09.2017, 09:28
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Re: AHV Refund

The information I have is in agreement with Fora's that nationality is the defining factor.

I am from a non-EU/non-agreement country moving to the US (agreement country) under a work visa, married to a US citizen.

I explained all of this to them and they said I can receive the refund as long as:

- Contributions to the OASI were paid for at least one full year;
- The person claiming the refund has left Switzerland for good;
- Their spouse, any minor children and any children under 25 who have not yet completed their education are not (or no longer) living in Switzerland either.

I am still suspicious the refund may not work out because I'm moving to the US with an american husband. For those in similar situation, soon as I receive the refund (~Dec 2017), I come back here to report.
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  #13  
Old 08.09.2017, 10:09
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Re: AHV Refund

I think it was fatmanfilms who mentioned that he - as a EU citizen - managed to get his pension fund paid out. Maybe it is in this stickie?

https://www.englishforum.ch/finance-...d-summary.html
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Old 08.09.2017, 10:13
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Re: AHV Refund

Quote:
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I think it was fatmanfilms who mentioned that he - as a EU citizen - managed to get his pension fund paid out. Maybe it is in this stickie?

https://www.englishforum.ch/finance-...d-summary.html
I got Pillar 2 back, Pillar 1 will be paid as a pension.
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Old 08.09.2017, 10:24
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Re: AHV Refund

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I think it was fatmanfilms who mentioned that he - as a EU citizen - managed to get his pension fund paid out.
And this is the thread he started on that:
https://www.englishforum.ch/finance-...s-pension.html

See also: https://www.englishforum.ch/2446452-post12.html - a post from yet another thread on the topic.
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Old 12.04.2020, 19:15
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Re: AHV Refund

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soon as I receive the refund (~Dec 2017), I come back here to report
Hi Isap, did you manage to get a full refund of the total AHV contributed?
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