Old-age and survivors' insurance (AHV) is an essential part of the Swiss social security system. It provides financial support in old age and in other phases of life. But how does the AHV pension actually work? Here are the ten most important questions and answers about the AHV pension.
1 What is the AHV pension?
The AHV pension is a state old-age pension in Switzerland, which serves to ensure a livelihood in old age. It is financed by contributions from employees, employers and other sources.
2 From what age can I draw an AHV pension?
Thecurrent retirement age is64 for women and 65 for men. The AHV 21 reform will introduce a uniform retirement age of 65 for men and women.
3 How is the amount of my AHV pension calculated?
The amount of your AHV pension depends on various factors, including your contribution years, your average annual income and the current pension rate.
4. can I retire early?
Yes, it is possible to retire early, but this will result in a reduction in your monthly pension.
5. can I defer my pension and draw it later?
Yes, you can defer drawing your AHV pension. This usually leads to an increase in your monthly pension.
6 What happens if I have gaps in my contributions?
Gaps in contributions, for example due to longer stays abroad or inactivity, can reduce the amount of your pension. It is important to recognize these gaps at an early stage and take action if necessary.
7 What is the difference between the AHV pension and the occupational pension?
The AHV pension is the first pillar of the Swiss three-pillar system. Occupational pension provision (pension fund) forms the second pillar and is a supplementary pension provided by the employer.
8 What happens to my AHV pension if I move abroad?
In principle, you are entitled to your AHV pension even if you move abroad. However, there are certain regulations and agreements that may vary depending on the country of destination.
9. what is the current pension rate and how does it change?
The current pension rate is adjusted regularly and depends on various economic and demographic factors.
10. where can I find out more about my AHV pension?
For detailed information and individual questions, you should contact the AHV compensation office or visit the official website of the Federal Social Insurance Office (FSIO).
Conclusion
The AHV pension is a central element of the Swiss pension system. It is important to deal with it at an early stage in order to be well protected in old age. By informing yourself and, if necessary, seeking advice, you can ensure that you can enjoy your well-earned pension to the full.
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