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Can force me to social authority, to obtain the AHV?

I'm 59 and unemployed. Currently, I am a daily unemployment allowance. I should not find a place, I'm going to be dependent on social assistance. The social assistance authority covers gutters logs with a 62 at the AHV to advance, and sets your payments. This has the consequence that the AHV is sensitive to cut. I would like to prevent. Could I bridge the time until retirement age with the money from my vested benefits account and with the AHV to wait? Or I could force the social assistance authority to the AHV / AVS amount of the advance withdrawal?

no, you can't. Only you yourself can register with the AHV. Thus, you can also decide for yourself whether you vorbeziehen the AHV pension or not.

However, as soon As the AHV is the amount of the advance withdrawal is possible two years before the AHV-age, the social assistance authority, in principle, all pension benefits count as income, and the setting of social assistance. You can also take into account the AHV pension you have from 62 to claim, in full, regardless of whether you make use of the advance withdrawal for use or not. Because the retirement benefits of the AHV and 2. Pillar of the social assistance. It says So in the guidelines of the Swiss conference for social assistance, where the majority of cantons follow.

if it comes to that, you may need to draw a social security benefit and this is set when you are 62, then you should consider the with the AHV / AVS amount of the advance withdrawal. You waive the early withdrawal, you would have to live up to the retirement age alone with the money from your vested account. This would reduce your Vested benefits.

If you vorbeziehen the AHV is reduced to, per vorbezogenes year to 6.8 percent, but you have a amount fix. You need less of your vested money to make ends meet. Thus, this lasts longer.

Andrea Fischer answered your questions to the employment law, consumer law, social security law and family law. Send them to

(editing Tamedia)

Created: 18.02.2019, 00:05 Uhr

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