So AHV are insured-retirees in addition to

at Least ten francs more. This amount is the minimum pension payable under the AHV increases in the coming year. It is newly 1185 francs and is available to all those who have fully paid at least the minimum contribution to the AHV. The maximum pension for a single person is new at 2370 francs, 20 francs more than in the past. Couples get in the future, up to 30 francs a month.

The old-age pension but is not the Only thing that can claim to be Retired. Depending on your personal Situation, other benefits are available to them, as the following Overview shows.

pension costs

Who in the AHV-age children, each child has a children's pension. The conditions are the same as in the case of the family allowance. The children's pension is also granted to young adults in training, but not for longer than until their 25. Birthday. It must also be not necessarily your own children: foster parents are entitled to a children's pension – if the foster Care is free-of-charge.

The children's pension makes up 40 percent of the old-age pension, which are full of AHV-contribution period of at least 474 francs (from 2019). The Maximum is located at 948 Swiss francs. Add to that a Children's pension from the pension Fund; it varies in practice, depending on the Fund. The non-retired parent is employed, gets a family allowance, in addition to a children's pension of the other parent.

Overall, since AHV-pensioners with children in education often a lot better than working parents with low or medium incomes. The latter only receive family allowances, and these are much lower than an average AHV's child's pension. There were therefore already motions in Parliament to abolish the children's pensions or to reduce them to the level of family allowances. You don't came through yet.

Important: children will be paid pensions as old – age pensions – also to persons domiciled abroad, provided that Switzerland has concluded with that state a social security agreement. A number of other States, in addition to the EU; Details are know at the Federal office for social insurance. In any case, but you get AHV-children's pensions until retirement age: early retired from during the time of the early pension payment will be empty.

Guaranteed existence

Who is not able to meet with his financial means, the minimum cost of living, is entitled to supplementary benefits (EL). In the calculation of the EL, the asset is taken into account, but only if this is above the exemption amount – currently, 37'500 Swiss francs for a single person–. Of EL must be Related to ten percent per year as a revenue credit.

On 2019, the amount of the EL-Recipients for General living needs, increased slightly. Depending on the rent and health insurance premiums for a single Person living at home comes with EL on an income of a maximum of 3100 to 3300 Swiss francs. Some cantons and municipalities to grant additional benefits. In the foreseeable future, significant Changes to the EL. The Parliament has decided, among other things, to reduce the asset exemption amount. In turn, EL can-Related in the future higher Rents.

Important: supplementary benefits only to retirees who live in Switzerland. Per year, EL must be Related to a maximum of three months at a time abroad to stop, otherwise, set the payments up to return to Switzerland.

Permanent help needed

dependent tasks pensioners in everyday Life such as dressing, eating or personal care support, you will be entitled to a helplessness allowance. The helplessness must have passed at least one year and doctor confirmed. Then the Person in need of care or their relatives may submit a request, and the specific need for support to clarify.

The clarification takes place at home, it is also examined whether the support can only be used with an auxiliary means provided, for example, a wheelchair for disabled people. Only those who needed despite AIDS regular support, they can get a disability allowance. This is a monthly fee, graduated according to the degree of helplessness. The Maximum is located at 948 Swiss francs for a severe helplessness.

Important: The helplessness allowance is independent of income or assets. You are not eligible Recipients of supplementary benefits as income (except for those who live in a home).

Less than the IV

Finally, the AHV are granted in contributions for AIDS, such as hearing AIDS or wheelchairs. However, you will pay in comparison to the IV for only a few tools, and your contributions are lower.

That the IV is in the auxiliary funds as well as the helplessness allowance is more generous, can be explained with their function. So, the IV for the measures that are necessary for a disabled Person exercising a professional activity and generate income. With the retirement of the purpose of vocational integration. A Person is only instructed in the retirement age due to disability, to support, to be expected of you so that you bear at least part of the cost of the required assistance itself.

Important: Who has already obtained before the AHV-age tools, or a helplessness allowance of the IV, gets the same benefits in the pension age. Tools such as the attendance allowance, there is only one residence in Switzerland.

(editing Tamedia)

Created: 10.12.2018, 10:23 PM