Old-Age and Survivors' Insurance: Who Qualifies and What You Get
Learn how Old-Age and Survivors' Insurance works for residents and workers in Switzerland to secure future retirement and survivor benefits.
Old-Age and Survivors' Insurance is a social security system designed to provide financial support for your retirement and for your family if you pass away.
Who it's for
This scheme is for everyone living or working in the country.
What you get
You receive a pension once you reach retirement age. It also provides survivor benefits to help support your family members if you are no longer able to.
What it costs you
The cost is calculated as a percentage of your income. If you are a freelancer, contributing to this system is mandatory.
The catch to know
If you work for yourself as a freelancer, you are responsible for your own registration. You must register yourself directly with the cantonal compensation office.
How to apply
- Determine if you are an employee or a freelancer.
- If you are a freelancer, contact your cantonal compensation office to register.
- Ensure your income is reported correctly to calculate your contributions.
- Visit the official portal for more details: https://www.ahv-iv.ch