{"id":38921,"date":"2025-03-12T08:41:19","date_gmt":"2025-03-12T07:41:19","guid":{"rendered":"https:\/\/fidulex.ch\/?p=38921"},"modified":"2025-04-28T14:31:19","modified_gmt":"2025-04-28T12:31:19","slug":"social-security-contributions-in-switzerland","status":"publish","type":"post","link":"https:\/\/fidulex.ch\/en\/social-security-contributions-in-switzerland\/","title":{"rendered":"Social security contributions in Switzerland"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"38921\" class=\"elementor elementor-38921\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e1f214c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e1f214c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19851ebe\" data-id=\"19851ebe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-686c0b73 elementor-widget elementor-widget-heading\" data-id=\"686c0b73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overview of social security contributions in Switzerland<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae951dc elementor-widget elementor-widget-text-editor\" data-id=\"3ae951dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Switzerland, <strong>social security charges<\/strong> are an integral part of the social security system. Indeed, contributions, made by both employer and employee, help protect employees from the hazards of working life.<\/p><p>In fact, these contributions cover various aspects of a worker's life, such as illness or other physical disabilities, retirement, loss of employment, or pregnancy and maternity for women.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11fd79b elementor-widget elementor-widget-image\" data-id=\"11fd79b\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-11fd79b{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3316764 elementor-widget elementor-widget-heading\" data-id=\"3316764\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Breakdown of payroll taxes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2122e49e elementor-widget elementor-widget-text-editor\" data-id=\"2122e49e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <strong>contributions<\/strong> social security contributions in Switzerland are generally divided between the employee and the employer, except in the case of an activity <a href=\"https:\/\/fidulex.ch\/en\/contributions-to-lavs-as-a-self-employed-person\/\">independent<\/a>where the worker must pay all social security contributions.<\/p><p>Each month, employees contribute a portion of their salary to finance these social charges. Employers, for their part, must join a social security fund. <strong>compensation fund<\/strong>to be able to make contributions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f181de2 elementor-widget elementor-widget-heading\" data-id=\"5f181de2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Social security contributions in Switzerland<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79e6b72f elementor-widget elementor-widget-text-editor\" data-id=\"79e6b72f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Switzerland, when employees receive their pay slips, they can see the various social charges deducted from their salaries, which are specific to Switzerland. The various <strong>expenses<\/strong> <strong>social security charges<\/strong> are as follows:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a0d1dab elementor-widget elementor-widget-heading\" data-id=\"4a0d1dab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Old Age and Survivors' Insurance (AVS)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62dea5be elementor-widget elementor-widget-text-editor\" data-id=\"62dea5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the Swiss pension system, <strong>AHV<\/strong> (or \"1st pillar\") is a social security benefit that enables retired workers (aged 65 and over) to receive a minimum income, for which they have paid contributions throughout their working lives.<\/p><p>This coverage also extends to the pensioner's dependants, such as spouses and\/or children, in the event of the pensioner's death. In 2025, the AHV contribution rate will be <a href=\"https:\/\/www.ahv-iv.ch\/p\/2.01.f\" target=\"_blank\" rel=\"noopener\">8.7%<\/a>.<\/p><p>The employee and employer must each pay half of the contribution (<strong>4.35%<\/strong>). The AHV can be supplemented by the 2nd and 3rd pillars, which enable you to maintain a better standard of living in retirement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad01d4e elementor-widget elementor-widget-heading\" data-id=\"7ad01d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Occupational pension plans (LPP)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186d71b0 elementor-widget elementor-widget-text-editor\" data-id=\"186d71b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Switzerland, the BVG, also known as the 2nd pillar, enables retirees to enjoy a better standard of living after retirement.<a href=\"https:\/\/fidulex.ch\/en\/etirement-age-in-switzerland-issues-and-trends\/\">retirement age<\/a> reached (age 65 for men and women). It complements the 1st pillar.\u00a0<\/p><p>As with LAA\/UVG, the contribution rate varies and can be <strong>between 7% and 18%<\/strong> of the employee's salary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e4211e5 elementor-widget elementor-widget-heading\" data-id=\"4e4211e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The 3rd pillar<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6611e8 elementor-widget elementor-widget-text-editor\" data-id=\"b6611e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Switzerland, the 3rd pillar complements the other two pillars. In fact, contributions to the <a href=\"https:\/\/fidulex.ch\/en\/how-the-swiss-3rd-pillar-works-2\/\">3rd pillar<\/a> provide a standard of living comparable to that of an employee once retirement age is reached. Contributions to the 3rd pillar are optional and entirely at the employee's expense.<\/p><p>Taking out a 3rd pillar is also interesting from the point of view of <strong>taxes<\/strong> since you can deduct these contributions from your taxable income and therefore pay less tax.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fb4c12d elementor-widget elementor-widget-heading\" data-id=\"7fb4c12d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Disability Insurance (AI)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1930dd67 elementor-widget elementor-widget-text-editor\" data-id=\"1930dd67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Switzerland, disability insurance is a social security benefit that helps employees when they are unable to work (due to illness, for example). This insurance is paid either on a daily basis, or as a pension. The contribution rate for invalidity insurance is <strong>1.4%<\/strong>. Here too, the employer and employee each pay half (<strong>0.7%<\/strong> each).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5909f9 elementor-widget elementor-widget-heading\" data-id=\"1e5909f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Income Loss Allowance (APG)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e70d5c5 elementor-widget elementor-widget-text-editor\" data-id=\"e70d5c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The APG compensates for unavoidable loss of earnings during military or civilian service. It is also there to help workers on maternity and paternity leave. Employer and employee each contribute <strong>0.25%<\/strong>for a total contribution rate of <strong>0.5%<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55ae3bc5 elementor-widget elementor-widget-heading\" data-id=\"55ae3bc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Unemployment Insurance (UI)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14b992b3 elementor-widget elementor-widget-text-editor\" data-id=\"14b992b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All employees and employers affiliated to the AVS must contribute to <strong>CA<\/strong>. The latter allows an employee who has lost his or her job to benefit from financial assistance while he or she looks for a new job.<\/p><p>Once again, both employer and employee are responsible for this contribution, which amounts to <strong>2.2%<\/strong> of an employee's annual salary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2536ba5 elementor-widget elementor-widget-heading\" data-id=\"2536ba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Accident Insurance (LAA) <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-530917be elementor-widget elementor-widget-text-editor\" data-id=\"530917be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This insurance protects employees against work-related accidents. The employer takes <strong>LAA<\/strong> at the employee's expense. If the accident in question is not related to the employee's work, he or she is responsible for paying for it. There is no fixed rate for this insurance, which varies from one workplace to another.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-181a1463 elementor-widget elementor-widget-heading\" data-id=\"181a1463\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Family Allowances<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1963cb8a elementor-widget elementor-widget-text-editor\" data-id=\"1963cb8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As long as your salary is taxable, you are entitled to family allowances. Benefit amounts depend on the canton in which you work, but are generally between <strong>0.7% and 3.5%<\/strong> of your gross salary. In Switzerland, benefits are paid entirely by the employer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6946aa2a elementor-widget elementor-widget-heading\" data-id=\"6946aa2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3096ddef elementor-widget elementor-widget-toggle\" data-id=\"3096ddef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-8151\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8151\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> What are social charges in Switzerland?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8151\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8151\"><p>In Switzerland, social security contributions are an integral part of the social security system. Contributions, made by both employer and employee, help protect employees from the hazards of working life.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-8152\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8152\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What risks are covered by social security contributions in Switzerland?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8152\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8152\"><p>These contributions cover various aspects of a worker's life, such as illness or other physical disabilities, retirement, loss of employment, or pregnancy and maternity for women.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-8153\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8153\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How are social security contributions distributed in Switzerland?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8153\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8153\"><p>Social security contributions are generally divided between the employee and the employer, except in the case of self-employment, where the employee must pay all social security contributions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-8154\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8154\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Who manages social security contributions in Switzerland?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8154\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8154\"><p>Each month, an employee contributes a portion of his or her salary to finance these social charges. Employers, for their part, must join a compensation fund in order to make these contributions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-8155\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-8155\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is Old Age and Survivors' Insurance (AHV) in Switzerland?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8155\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-8155\"><p>In the Swiss pension system, the AVS (or 1st pillar) provides retired workers (aged 65 and over) with a minimum income, for which they have paid contributions throughout their working lives. This coverage also extends to dependants, such as spouses and children, in the event of the retiree's death.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Qu\\u2019est-ce que les charges sociales en Suisse ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>En Suisse, les charges sociales font partie int\\u00e9grante du syst\\u00e8me de s\\u00e9curit\\u00e9 sociale. En effet, les cotisations, r\\u00e9alis\\u00e9es par l\\u2019employeur et l\\u2019employ\\u00e9, permettent de prot\\u00e9ger les salari\\u00e9s des al\\u00e9as de la vie active.<\\\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Quels risques sont couverts par les charges sociales en Suisse ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Ces contributions couvrent diff\\u00e9rents aspects de la vie d\\u2019un travailleur comme les maladies ou autre incapacit\\u00e9s physiques, la retraite, la perte d\\u2019emploi ou encore la grossesse et maternit\\u00e9 pour les femmes.<\\\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Comment sont r\\u00e9parties les charges sociales en Suisse ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Les contributions aux charges sociales sont g\\u00e9n\\u00e9ralement divis\\u00e9es entre l\\u2019employ\\u00e9 et son employeur, sauf dans le cas d\\u2019une activit\\u00e9 ind\\u00e9pendante, o\\u00f9 le travailleur devra s\\u2019acquitter enti\\u00e8rement des charges sociales.<\\\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Qui g\\u00e8re les cotisations aux charges sociales en Suisse ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Chaque mois, un salari\\u00e9 cotise une partie de son salaire pour financer ces charges sociales. L\\u2019employeur, quant \\u00e0 lui, doit s\\u2019affilier \\u00e0 une caisse de compensation, afin de pouvoir proc\\u00e9der aux cotisations.<\\\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Qu\\u2019est-ce que l\\u2019Assurance Vieillesse et Survivants (AVS) en Suisse ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Dans le syst\\u00e8me de retraite suisse, l\\u2019AVS (ou 1er pilier) permet aux travailleurs retrait\\u00e9s (65 ans et plus) de recevoir un revenu minimum, pour lequel ils ont cotis\\u00e9 tout au long de leur vie active. Cette couverture s\\u2019\\u00e9tend \\u00e9galement aux personnes \\u00e0 charge du retrait\\u00e9, comme les \\u00e9poux et enfants, si ce dernier d\\u00e9c\\u00e8de.<\\\/p>\"\n            }\n        }\n    ]\n}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>In Switzerland, social security contributions are an important aspect of the social security system. In this article, we present all the information you need to know about these charges.<\/p>","protected":false},"author":1,"featured_media":38922,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-38921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-divers"],"_links":{"self":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/38921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/comments?post=38921"}],"version-history":[{"count":78,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/38921\/revisions"}],"predecessor-version":[{"id":39019,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/38921\/revisions\/39019"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/media\/38922"}],"wp:attachment":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/media?parent=38921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/categories?post=38921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/tags?post=38921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}