{"id":1736,"date":"2021-10-09T17:07:31","date_gmt":"2021-10-09T16:07:31","guid":{"rendered":"https:\/\/ajooda.ch\/en\/?p=1736"},"modified":"2022-10-03T16:33:15","modified_gmt":"2022-10-03T15:33:15","slug":"how-much-is-my-ahv-pension-in-switzerland","status":"publish","type":"post","link":"https:\/\/ajooda.ch\/en\/how-much-is-my-ahv-pension-in-switzerland\/","title":{"rendered":"How much is my AHV pension in Switzerland"},"content":{"rendered":"\n

How much pension will I\nreceive and what is the maximum AHV pension?<\/h2>\n\n\n\n

The maximum\nAHV pension for individuals in 2021 is CHF 2,390 per month and CHF 28,680 per\nyear.<\/p>\n\n\n\n

You can\nonly claim this maximum AHV pension if you have paid into the scheme for 44 contribution\nyears and have an average AHV income of CHF 86,040.<\/p>\n\n\n\n

If you miss\ncontribution years due to a late move to Switzerland, unemployment where you\nwere no longer entitled to unemployment benefits (retired) or stays abroad,\nyour pension will be reduced by 2.27% for each missing contribution year.<\/p>\n\n\n\n

AHV pension calculation<\/h2>\n\n\n\n

It is also logical that not everyone can have an average AHV of CHF 86,040. Accordingly, the AHV pension is reduced according to the AHV pension table (scale 44).<\/p>\n\n\n\n

Those who\nhad few AHV deductions or made few AHV contributions due to low wages and have\nan average income of less than CHF 14,340.- without a contribution gap receive\na minimum AHV pension of CHF 1,195.- per month.<\/p>\n\n\n\n

The\ncorresponding education and care credits<\/strong> are still added to the annual\nincome.<\/p>\n\n\n\n

This is\nmainly so that the spouse who had to stay at home because of the children does\nnot miss out.<\/p>\n\n\n\n

Nevertheless,\nmost of them do not even get close to the maximum AHV pension.<\/p>\n\n\n\n

In\naddition, many housewives and part-time employees will also receive a very low\nor no BVG pension due to their low workload.<\/strong><\/p>\n\n\n\n

It is therefore advisable to make an individual provision with the 3rd pillar so that you do not end up empty-handed.<\/a><\/p>\n\n\n\n

How much pension do\nmarried couples receive?<\/h2>\n\n\n\n

The AHV\npension for cohabiting couples is a maximum of CHF 4,780 per month if both\npartners are entitled to a maximum pension.<\/p>\n\n\n\n

However,\nthe AHV pension for married couples is only a maximum of 150% of the maximum\nAHV individual pension of CHF 2,390.-, i.e. a maximum of CHF 3,585.-.<\/p>\n\n\n\n

If the sum\nof the two pensions exceeds the limit, the pension is reduced accordingly.<\/p>\n\n\n\n

The\nretirement pension of the first spouse is calculated on the basis of the\naverage annual salary and credits.<\/p>\n\n\n\n

If the\nsecond spouse retires, the income during the marriage period is divided. That\nis, half is credited to the couple.<\/p>\n\n\n\n

Since\nearned income is often unequally distributed between men and women, many\npensioners receive a maximum personal pension until their wives retire.<\/p>\n\n\n\n

On the\nother hand, female pensioners usually receive only a minimum AHV pension until\ntheir husband retires.<\/p>\n\n\n\n

What happens to my\nspouse’s pension when I am no longer around?<\/h2>\n\n\n\n

When one of\nthe spouses dies, the AHV pension is recalculated.<\/p>\n\n\n\n

The\nsurviving partner receives the old-age pension as a single person, but the\nwidow’s or widower’s supplement is 20%.<\/p>\n\n\n\n

Nevertheless,\nwidows and widowers with this supplement receive a monthly pension of up to CHF\n2,390.<\/p>\n\n\n\n

A widow who\nalso qualifies for a survivor’s pension receives the higher amount of the two\npensions.<\/p>\n\n\n\n

Am I entitled to\nsupplementary benefits?<\/h2>\n\n\n\n

If the pension is not sufficient to live on, you are entitled to AHV supplementary benefits<\/a>.<\/p>\n\n\n\n

Supplementary\nbenefits come in 2 forms:<\/p>\n\n\n\n