The age and leaving insurance (AHV) is the old age pension insurance of Switzerland. It forms the first - national - column of the Swiss three-column principle and serves the appropriate safety device of the existence need. Old-age pensions receive women starting from completed 64. Age year, men starting from completed 65. Age year. There is the possibility, already before that 64. /65. To refer age year AHV pensions, however only under certain editions and with a pension shortening. Leaving pensions receive widows and widowers, if they have minor or children in the common household, in training.

Emergence and history

1925 were already taken up to the Federal Constitution an article to the AHV. The Verabschiedung of an appropriate law, and its acceptance by the people lasted however until 1947. In the year 1948 finally then the AHV could be introduced. In order to adapt the AHV to the needs of the time and the changed demography, so far altogether 10 revisions were made. 11. Revision became to 16. May 2004 the people for tuning submitted and of this rejected.

Organization

Only two ranges of the AHV are central organized. The Federal Office for social security ensures a uniform application of the legal regulations. The center matching position leads the total bookkeeping of the AHV and assigns the insurance numbers. All other tasks are noticed by the balance cashes. Over one hundred the cashes are carried by federations, employers, cantons and the federation. The balance cashes are also the partners of the insured ones.

Versicherte

Mandatorily with the AHV insured are:

• all persons resident in Switzerland. Thus also children, students and not employed person persons. Excluded of it are however persons, who are obligation-insured due to intergovernmental contracts (esp. the "“bilateral II"”) in other states.
• Employees those abroad live, but work in Switzerland.

Voluntarily insure to let can itself

• Foreign Swiss

Financing

The financing is made mainly by the contributions of the insured ones. Except children all insured ones are contributory. Further Finanzierungsquellen are federal contributions (from value added tax portions, as well as tobacco and liquor taxes) and canton contribution with acquiring employers and employee the premium ever (ever 5,05% of the gross wage) divide. With independently acquiring the contribution depends on the income. 9,5% of the net income. Degressive scale starting from incomes under CHF 50' 700.00. The AHV finances the pensions after the allocation procedure, i.e. she accumulates no capital, but gives the incomes immediately for the payment of the pensions.

Achievements

With entrance of a performance demand the pension is paid off by the responsible balance cash. The pensions are adapted every two years of the wage and price history. If the price increase in one year than 4% is higher the pension is in former times adapted. If the pension does not cover the existence need, auxiliary achievements so mentioned are paid off.

AHV number

Each insured person receives, if she becomes employed, a AHV number. The AHV number is developed as follows:

• First 3 numbers: Designation of the name
• Next 2 numbers: Birth year
• Next 3 numbers: Birthday and sex

The 1. Number of this group: Quarter and sex

2. and 3. Number of this group: Number of days from the beginning of quarter to the birthday, a new month always begins after 31 days (573 = woman with birthday at the 11. March [31 + 31 + 11 = 73])

• Last 3 numbers: Ordinal number, designation of foreigners, check digit

1. Number of this group: Ordinal number, from 1 to 92. Number of this group: For Swiss from 1 to 4, for foreigners and stateless people from 5 to 83. Number of this group: Check digit, can be computed from all preceding numbers

Between the individual number blocks is in each case a point example of a AHV number: only the center matching position in Geneva the 11-digit AHV number assigns 123.45.678.113 (from this it can be determined that the person is womanlike, Swiss, on 16 June 1945 born and the first letters its (of single) name As or RK). Like that it is guaranteed that there is no number doubly.

Related links

• Internet side of the AHV - IV institution
• Internet side of the federal office for social security
• To determine Tool around AHV number from particulars or in reverse
• Explanation of the check digit computation

See also: Invalidity insurance

Articles in category "Age and leaving insurance"

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