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Old 13.10.2013, 11:54
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Permit B, B-to-C, if Retiring Early

I have a friend here in Lugano, not on the English forum, who asked me an interesting question today, which I haven't seen before in the threads in this forum. She is currently employed -- a US citizen -- and has been here about 4 years. Her B permit is tied to employment and is up for renewal in the middle of next year. At that time she is expecting to be moved to a C-permit. (I have told her to be sure to actively apply, following advice of others on the forum.)

She is considering retiring early (as in "now", I think) and would like to stay permanently in Switzerland for the long term. She said she has enough income to retire and so doesn't need to work anymore to pay her bills. If she resigns from her company job:

1. Does her B permit get rescinded? I looked at it and it is noted with "con attivita" Or, does it continue until her next renewal date?
2. Can she apply now (with about 10 months before her next renewal) for the C-permit early? That is, what is the likelihood of acceptance?
3. Can she at minimum continue with renewal of her B-permit as a retired person with independent income?

I've only known her about 2 years or so, but don't think she has ever used social services or her unemployment benefits.

Thanks for any help. I think I understand the permit policy and process reasonably well; but perhaps not well enough to give her advice.
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Old 13.10.2013, 12:35
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Re: Permit B, B-to-C, if Retiring Early

Cannot comment on the permit procedures but make sure the tax situation is understood. She will stay pay tax on the rental income of her property if she owns one. She will still need to pay AVS which will be calculated on her income and wealth. In Ticino she will have to pay a contribution to the LaMal, this is a Ticino ano only compared to other Cantons.
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Old 13.10.2013, 12:36
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Re: Permit B, B-to-C, if Retiring Early

Should say a Ticino anomaly
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Old 13.10.2013, 12:59
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Re: Permit B, B-to-C, if Retiring Early

Thanks Bichon. She is a renter. Is she required to continue to pay into AVS or is it only suggested in order to receive the fullest benefit possible (given her arrival in Switzerland late in her career). I have always thought it was the latter.

Also, I have to admit that I have never heard of LAMal. I Googled it and it seems to be related to pregnancy. Is that correct? She is beyond the childbearing age.
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Old 13.10.2013, 13:25
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Re: Permit B, B-to-C, if Retiring Early

AVS is payable by law until retirement age. If she retires as a person without a lucrative activity she will have to pay. The LaMal is the Swiss Children benefits system. She will make a contribution to that for the benefit of those bringing up children. More information can be found on www.ch.ch
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Old 13.10.2013, 15:14
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Re: Permit B, B-to-C, if Retiring Early

Thanks for your responses!
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Old 13.10.2013, 18:00
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Re: Permit B, B-to-C, if Retiring Early

Does anyone have info about the permit questions? Thanks.
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Old 13.10.2013, 19:03
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Re: Permit B, B-to-C, if Retiring Early

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Does anyone have info about the permit questions? Thanks.
If they are very rich they can possibly do a deal, as it normally takes 10 years to get a C permit for non EU it seems most unlikely.
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Old 13.10.2013, 19:39
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Re: Permit B, B-to-C, if Retiring Early

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If they are very rich they can possibly do a deal, as it normally takes 10 years to get a C permit for non EU it seems most unlikely.
Americans, although non-EU, can request a C permit after 5 years. Note 'request' - it's not necessarily automatic.
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Old 13.10.2013, 19:43
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Re: Permit B, B-to-C, if Retiring Early

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Americans, although non-EU, can request a C permit after 5 years. Note 'request' - it's not necessarily automatic.
So 4 years & 2 months certainly won't cut it then !
Do they insist on language skills, to show some form of integration?
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Old 13.10.2013, 22:06
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Re: Permit B, B-to-C, if Retiring Early

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Do they insist on language skills, to show some form of integration?
Depends on the canton.
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