Question 1

Assert or pay outstanding AHV contributions, including gap filling arrears, within five years of the end of the calendar year for which they are owed.: what starts the clock and how long does it run?

Accepted Answer

Ablauf des Kalenderjahres, fuer welches die Beitraege geschuldet sind, that is the end of the calendar year for which the contributions are owed. Within five years after the end of that calendar year (with a one year extension from finalization of the tax assessment for certain self employed and non employed contributions under Art. 6, 8 and 10) Sie koennen nicht mehr eingefordert oder entrichtet werden, that is the contributions can no longer either be demanded by the compensation fund or paid by the person or employer who owes them; the right is extinguished on both sides.

Question 2

Submit the AHV contribution refund (Rueckverguetung) claim once permanently settled abroad, for nationals of countries with no Swiss social security agreement: what starts the clock and how long does it run?

Accepted Answer

The applicant permanently settling abroad (sich endgueltig im Ausland niedergelassen), i.e. leaving Switzerland with the qualifying family members. As soon as the applicant has left Switzerland, the relevant claim form must be completed; the page does not state any further numeric time limit for filing the claim after departure. the source does not state what happens if this is missed.

Question 3

Withdraw vested benefits (Freizuegigkeitsguthaben) after reaching reference age if no longer employed, at the latest by the transitional deadline.: what starts the clock and how long does it run?

Accepted Answer

The date the insured person reaches the AHV reference age. Within five years of reaching reference age, but at the latest in the year 2029 (the worked example in the same document gives 31 December 2029 as the date the vested benefit must be drawn) the source does not state what happens if this is missed.

Question 4

If you left Switzerland without telling your occupational pension fund (2nd pillar) where to send your vested benefits, and did not take a cash payment, the fund must transfer the: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. At the latest two years after leaving the pension fund. The pension fund is obliged to transfer the amount to the Auffangeinrichtung (Substitute Occupational Benefit Institution) - the money leaves the original fund.

Question 5

Members of the Swiss voluntary OASI/DI scheme abroad must pay the full contributions owed for a calendar year before 31 December of the following year or they are thrown out of the scheme.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. By 31 December of the year following the contribution year (recurring annually) Exclusion from the voluntary insurance.

Question 6

Once you have deferred your Swiss old-age pension, you can no longer revoke the deferral after the minimum deferral period of one year has elapsed.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. Once one year of deferral has elapsed. You will no longer be able to revoke your deferral.

Question 7

Claim forgotten or unclaimed second pillar (BVG) occupational pension assets before the insured person reaches notional age 100: what starts the clock and how long does it run?

Accepted Answer

The page does not state a separate start date beyond the terms of the rule itself. Because the rule is expressed as the insured's 100th year of age, the effective anchor is the insured's date of birth. When the insured person sein 100. Altersjahr vollendet hat oder vollendet haette, that is upon completion of the insured's 100th year of age, or the age they would have completed had they lived that long. The claim verjaehrt, that is it prescribes and is legally extinguished; the statute does not separately spell out what becomes of the corresponding assets beyond stating that the claim itself lapses.

Question 8

An application to draw the Swiss old-age pension early must reach the authorities by the last day of the month before the month in which early drawing is to start.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. By the last day of the month preceding the intended start of early drawing. the source does not state what happens if this is missed.

Question 9

If you want to defer your Swiss old-age pension to increase it, you must register the deferral no later than one year after reaching the reference age.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. At the latest one year after reaching the reference age. the source does not state what happens if this is missed.

Question 10

To join the Swiss voluntary OASI/DI (AHV/IV) scheme after leaving compulsory Swiss insurance, the application form must be submitted within one year of the end of compulsory insurance.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. Within one year of ending compulsory insurance. the source does not state what happens if this is missed.

Question 11

An employee posted or working abroad who wants to stay in the Swiss OASI/DI scheme by continued insurance must apply no later than six months after the day the conditions are met.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. No later than six months after the day on which the employee meets the conditions. the source does not state what happens if this is missed.

Question 12

You have only 30 days after an individual account (IK) statement is delivered to demand a correction of the contribution entries that will determine your Swiss pension.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. Within 30 days of delivery of the individual account statement. If no statement or correction was requested, or the correction request was rejected, then when the insured event occurs a correction of IK entries can only be demanded to the extent that their incorrectness is obvious or full proof of it is provided.

Question 13

Lebensbescheinigung SAK: what starts the clock and how long does it run?

Accepted Answer

Dispatch of the annual life-certificate form by the SAK / IV-Stelle für Versicherte im Ausland. Return within 90 days of receiving the form, annually. the source does not state what happens if this is missed.

Question 14

Swiss pensioners living abroad are sent a life-and-civil-status certificate every year and must return it, signed by their local authority and with a copy of their ID, within 90 days.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. Annually, within 90 days of receiving the form from the Central Compensation Office. The source states the form must be returned within 90 days "so that your pension can continue to be paid without interruption" - it does not describe the suspension procedure itself.

Question 15

AHV Rentenvorbezug and Aufschub: what starts the clock and how long does it run?

Accepted Answer

Reference age (65; transitional 64+3/6/9 months for women born 1961-1963): early drawing counts from age 63 (62 for women born 1961-1969); deferral counts from the reference age. Early drawing: from age 63 at the earliest (62 for women born 1961-1969); deferral: one to at most five years after the reference age. Early drawing: a reduced old-age pension for the entire duration of the pension. Deferral: an increased old-age pension for the entire duration of the pension.

Question 16

For people who move to Greece, the clarification needed for a cash payment of Swiss 2nd pillar vested benefits cannot take place until 366 days after departure from Switzerland.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. At the earliest 366 days after departure from Switzerland. the source does not state what happens if this is missed.

Question 17

For someone who has moved to an EU or EFTA state, the clarification with the foreign social insurance authority needed for a cash payment of Swiss 2nd pillar vested benefits can take place only from 90 days after departure from Switzerland.: what starts the clock and how long does it run?

Accepted Answer

The source does not state what starts the clock. At the earliest 90 days after departure from Switzerland. the source does not state what happens if this is missed.

Question 18

Freizuegigkeitsleistung transfer to Auffangeinrichtung: what starts the clock and how long does it run?

Accepted Answer

Freizügigkeitsfall (the exit event from the pension fund) Earliest six months, latest two years after the exit event. If the insured person gives no notice, the pension fund must transfer the exit benefit plus interest to the Auffangeinrichtung (Art. 60 BVG).

Question 19

Zentralstelle 2. Säule search: what starts the clock and how long does it run?

Accepted Answer

No clock; the page states no deadline for the request. No deadline stated; written request at any time. the source does not state what happens if this is missed.

Switzerland pension deadlines for people who left

Assert or pay outstanding AHV contributions, including gap filling arrears, within five years of the end of the calendar year for which they are owed.

Submit the AHV contribution refund (Rueckverguetung) claim once permanently settled abroad, for nationals of countries with no Swiss social security agreement

Withdraw vested benefits (Freizuegigkeitsguthaben) after reaching reference age if no longer employed, at the latest by the transitional deadline.

If you left Switzerland without telling your occupational pension fund (2nd pillar) where to send your vested benefits, and did not take a cash payment, the fund must transfer the

Members of the Swiss voluntary OASI/DI scheme abroad must pay the full contributions owed for a calendar year before 31 December of the following year or they are thrown out of the scheme.

Once you have deferred your Swiss old-age pension, you can no longer revoke the deferral after the minimum deferral period of one year has elapsed.

Claim forgotten or unclaimed second pillar (BVG) occupational pension assets before the insured person reaches notional age 100

An application to draw the Swiss old-age pension early must reach the authorities by the last day of the month before the month in which early drawing is to start.

If you want to defer your Swiss old-age pension to increase it, you must register the deferral no later than one year after reaching the reference age.

To join the Swiss voluntary OASI/DI (AHV/IV) scheme after leaving compulsory Swiss insurance, the application form must be submitted within one year of the end of compulsory insurance.

An employee posted or working abroad who wants to stay in the Swiss OASI/DI scheme by continued insurance must apply no later than six months after the day the conditions are met.

You have only 30 days after an individual account (IK) statement is delivered to demand a correction of the contribution entries that will determine your Swiss pension.

Lebensbescheinigung SAK

Swiss pensioners living abroad are sent a life-and-civil-status certificate every year and must return it, signed by their local authority and with a copy of their ID, within 90 days.

AHV Rentenvorbezug and Aufschub

For people who move to Greece, the clarification needed for a cash payment of Swiss 2nd pillar vested benefits cannot take place until 366 days after departure from Switzerland.

For someone who has moved to an EU or EFTA state, the clarification with the foreign social insurance authority needed for a cash payment of Swiss 2nd pillar vested benefits can take place only from 90 days after departure from Switzerland.

Freizuegigkeitsleistung transfer to Auffangeinrichtung

Zentralstelle 2. Säule search