For the insured
Employees will find here usefull Informations.
Maternity benefit
EO - Loss of income allowance
The insurance certificate makes administrative dealings with the compensation offices or implementing bodies easier.
In case of a change in job, the certificate must be submitted to the new employer so that he or she can register with the relevant compensation office. However, the certificate must no longer be submitted to the office by the employer. It is sufficient to transmit the data (preferably online via our portal connect).
Where do I order a new OASI certificate?
Employees who have changed their name (e.g. due to marriage or divorce) or have lost their OASI certificate can order a new certificate via their employer who requests it from his or her compensation office.
Correction of errors
Errors (such as incorrect spelling of the name, wrong date of birth or gender) can only be corrected by staff of the competent federal data register. Request correction of your personal details by using the form below and send it to the Residents' Registration Office for your place of residence:
Application for correction of personal details in an official federal data register (form in German).
Early retirement
Women are entitled to 14 weeks' maternity leave in accordance with the Swiss Code of Obligations as well as a maternity benefit pursuant to the Erwerbsersatzgesetz (Income Compensation Act).
They receive 80 per cent of their average earned income before the birth for a period of 14 weeks, but no more than CHF 220.00 a day.
Paternity benefit
They receive 80 per cent of their average earned income before the birth for a period of 14 weeks, but no more than CHF 220.00 a day.
If the new-born has to be hospitalized for at least 14 days directly after birth, the duration of the maternity allowance paiement can be extended by the duration of the hospitalization not exceeding 56 days (up to a total of maximally 154 days). This right is reserved to women who pursue their gainful activity after the maternity leave.
From the 1st of January 2021 two weeks of paternity leave are allowed for fathers at the birth of their child. The allowance is 80 percent of your gross salary subject to AHV contributions before birth or maximally 220 CHF per day.
Calculate the amount of the allowance for paternity with our online calcultor.
The EO (income compensation allowance) regulates the loss of income for persons who do military, civil defence or community service. The EO also pays loss of income in case of motherhood (maternity benefit), paternity leave (paternity benefit) as well as child-care benefits for parents who have to interrupt their working activity for the care of their minor child who suffers from heavy health problems.
Child-Care benefits
Parents who have to interrupt their working activity for the care of their minor child who suffers from heavy health problems either due to illness or accident, have a right to receive child-care benefits of 14 weeks.
Anmeldung Betreuungsentschädigung
Ergänzungsblatt zur Anmeldung Betreuungsentschädigung
Folgemeldung Betreuungsentschädigung
Your individual account
The benefits are 80 percent of the salary before the beginning of the right of child-care benefits. Maximally 98 daily allowances are paid within a qualifying period of 18 months. If both parents are entitled to benefit, they can split the receipt of benefits (for example 2 x 49 days).
Forms (only available in german, French or Italian)
Ergänzungsblatt zur Anmeldung Betreuungsentschädigung
Folgemeldung Betreuungsentschädigung
Basis for calculating the pension
The compensation offices manage an individual account (IK) for every person liable to pay contributions. After the end of the contribution year, the annual income of the individual employees is recorded there. The personal account serves as a basis for calculating the pension later on.
Extract of the individual account
The AHV number (OASI number), which you require for making the application, is listed on your OASI certificate as well as on your health insurance card.
Ordering an extract of the individual account
The account statement will be sent to your postal address after about three weeks. It is not possible to send it by email for security reasons.
Explanatory video «Individual account statement »
DI Application / early detection
The compensation offices manage an individual account (IK) for every person liable to pay contributions. After the end of the contribution year, the annual income of the individual employees is recorded there. The personal account serves as a basis for calculating the pension later on.
Extract of the individual account
The AHV number (OASI number), which you require for making the application, is listed on your OASI certificate as well as on your health insurance card.
Ordering an extract of the individual account
The account statement will be sent to your postal address after about three weeks. It is not possible to send it by email for security reasons.
Explanatory video «Individual account statement »
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Your insurance certificate
The insurance certificate makes administrative dealings with the compensation offices or implementing bodies easier.
In case of a change in job, the certificate must be submitted to the new employer so that he or she can register with the relevant compensation office. However, the certificate must no longer be submitted to the office by the employer. It is sufficient to transmit the data (preferably online via our portal connect).
Where do I order a new OASI certificate?
Employees who have changed their name (e.g. due to marriage or divorce) or have lost their OASI certificate can order a new certificate via their employer who requests it from his or her compensation office.
Correction of errors
Errors (such as incorrect spelling of the name, wrong date of birth or gender) can only be corrected by staff of the competent federal data register. Request correction of your personal details by using the form below and send it to the Residents' Registration Office for your place of residence:
Application for correction of personal details in an official federal data register (form in German).
Early retirement - what should I do?
People who retire early are deemed to be non-employed under OASI legislation. In order to ensure that no contribution gaps occur and that a full pension can be paid later on, people who retire early must pay OASI, DI and EO contributions as non-working persons. To pay your contributions as a non-working person, contact the OASI office of your most recent employer or if your spouse already receives a pension from another one, contact that office using the following form :
Application for non-working people
Leaflet 2.03 - Non-employed contributions
Bringing forward the pension
Leaflet 3.04 - Flexible retirement age
The pension can be brought forward by 1 or 2 years, but it will be reduced accordingly. The obligation to pay contributions will continue even if the pension is brought forward.
Obligation to pay contributions in case of early retirement
The obligation for non-working persons to pay contributions ends when women turn 64 and when men turn 65. Your own contributions will lapse if your spouse is deemed to be employed (minimum 50%) within the meaning of OASI and pays contributions amounting to at least double the minimum contribution (CHF 1028).
A comparative calculation is performed for persons who are employed for fewer than 9 months a year or who work less than 50% of the normal full-time workload. If the contributions resulting of the earned income amount to less than 50% of the contributions owed from non-employment, the person will be deemed to be non-employed and accordingly pays the contributions as a non-working person. The contributions from earned income can be offset.
Projected pension
People who retire early are deemed to be non-employed under OASI legislation. In order to ensure that no contribution gaps occur and that a full pension can be paid later on, people who retire early must pay OASI, DI and EO contributions as non-working persons. To pay your contributions as a non-working person, contact the OASI office of your most recent employer or if your spouse already receives a pension from another one, contact that office using the following form :
Application for non-working people
Leaflet 2.03 - Non-employed contributions
Bringing forward the pension
Leaflet 3.04 - Flexible retirement age
The pension can be brought forward by 1 or 2 years, but it will be reduced accordingly. The obligation to pay contributions will continue even if the pension is brought forward.
Obligation to pay contributions in case of early retirement
The obligation for non-working persons to pay contributions ends when women turn 64 and when men turn 65. Your own contributions will lapse if your spouse is deemed to be employed (minimum 50%) within the meaning of OASI and pays contributions amounting to at least double the minimum contribution (CHF 1028).
A comparative calculation is performed for persons who are employed for fewer than 9 months a year or who work less than 50% of the normal full-time workload. If the contributions resulting of the earned income amount to less than 50% of the contributions owed from non-employment, the person will be deemed to be non-employed and accordingly pays the contributions as a non-working person. The contributions from earned income can be offset.
How much will my pension be?
If you want to know approximately how much you can expect your old-age pension to be, you can use our online calculator to perform an online pension estimate.
You may also request a free projected pension calculation from us. However, this is only sensible a few years before receipt of the pension, because your circumstances could still change significantly if the calculation is made too early.
Form:
Request for a projected/provisional pension calculation
More details:
Leaflet 3.06 - Pension forecasts
Old-age pension application
If you want to know approximately how much you can expect your old-age pension to be, you can use our online calculator to perform an online pension estimate.
You may also request a free projected pension calculation from us. However, this is only sensible a few years before receipt of the pension, because your circumstances could still change significantly if the calculation is made too early.
Form:
Request for a projected/provisional pension calculation
More details:
Leaflet 3.06 - Pension forecasts
Where and by when must I apply for the OASI old-age pension?
Only individuals who apply for an OASI pension will receive one. We recommend you submit your application in time (approx. 3 to 4 months before reaching the reference age). As a rule, the compensation office which most recently received contributions is responsible. Employees get the address of the compensation office in question from their employer. If the spouse already receives a pension, the application must be lodged with the compensation office which pays the pension of the spouse
Registering an early pension withdrawal in time
The application for early pension withdrawal must be submitted no later than the last day of the month preceding the desired payment date. The pension withdrawal can be claimed from the following month at the earliest. Retroactive application is excluded.
Pension deferral - don't miss the deadline!
The deferral must be declared at the latest within one year of reaching the reference age by means of a so-called deferral declaration on the normal registration form.
You can find more useful information on OASI benefits here
Leaflet 3.01 - OASI old-age pensions and helplessness allowances
Leaflet 3.04 - Flexible retirement
Leaflet 3.06 - Pension forecasts
Old-age pension
Only individuals who apply for an OASI pension will receive one. We recommend you submit your application in time (approx. 3 to 4 months before reaching the reference age). As a rule, the compensation office which most recently received contributions is responsible. Employees get the address of the compensation office in question from their employer. If the spouse already receives a pension, the application must be lodged with the compensation office which pays the pension of the spouse
Registering an early pension withdrawal in time
The application for early pension withdrawal must be submitted no later than the last day of the month preceding the desired payment date. The pension withdrawal can be claimed from the following month at the earliest. Retroactive application is excluded.
Pension deferral - don't miss the deadline!
The deferral must be declared at the latest within one year of reaching the reference age by means of a so-called deferral declaration on the normal registration form.
You can find more useful information on OASI benefits here
Leaflet 3.01 - OASI old-age pensions and helplessness allowances
Leaflet 3.04 - Flexible retirement
Leaflet 3.06 - Pension forecasts
Individuals who have reached the reference age of 65 (women born between 1961 and 1963 are gradually being raised from 64 to 65) and have been insured in Switzerland for at least one year are entitled to an old-age pension.
The old-age pension can be drawn flexibly between 63 and 70. Women of the transitional generation (born between 1961 and 1969) can continue to draw their pension early at the age of 62. In addition to the option of a monthly early withdrawal or deferral, a partial early withdrawal or partial deferral (the proportion must be between 20% and 80% in each case and may also be stated in Swiss francs) can also be applied for, as well as a combination of both. During the entire term between the ages of 63 and 70, you have the opportunity to change the early withdrawal or deferral percentage once. For more details, please refer to Leaflet 3.04 - Flexible retirement
For children who have not yet reached the age of 18 or who have not yet reached the age of 25 and are still in education, a child's pension is paid in addition to the old-age pension.
Change of address (for individuals and self-employed)
The old-age pension can be drawn flexibly between 63 and 70. Women of the transitional generation (born between 1961 and 1969) can continue to draw their pension early at the age of 62. In addition to the option of a monthly early withdrawal or deferral, a partial early withdrawal or partial deferral (the proportion must be between 20% and 80% in each case and may also be stated in Swiss francs) can also be applied for, as well as a combination of both. During the entire term between the ages of 63 and 70, you have the opportunity to change the early withdrawal or deferral percentage once. For more details, please refer to Leaflet 3.04 - Flexible retirement
For children who have not yet reached the age of 18 or who have not yet reached the age of 25 and are still in education, a child's pension is paid in addition to the old-age pension.
Send us your change of address notification.
Please note: Employees send their change of address only to the employer.
Change of payment details
Please note: Employees send their change of address only to the employer.
As a recipient of OASI/DI benefits, you may change your payment address at any time.
Use one of these forms for this purpose:
Use one of these forms for this purpose:
