Hi, I am currently trying to decide whether or not to participate in the
"Freiwillige AHV" program. Does anyone have some experience, professional
contacts, and/ or resources as to how to best make this decision? For
example, when I spoke with a representative of Freiwillige AHV in Montreal a
few ago, she advised me AGAINST participating, given the high cost involved
and the fact that, once I would reach retirement age, I would not be able to
obtain full Swiss AHV anyways given there was bilateral agreements between
CH and the USA regarding social security payments. Where can I find out
more? I am currently still employed in Switzerland but planning on
transitioning to the US full-time.
Thanks for your input.
Monica B. Rosier
San Francisco, CA
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Hi Monica,
I think it all depends on how long you intend to stay here in the US.
Yes, it is costly to pay both SS and AHV, but if it is just for a couple
of
years it might be worth not incurring the gap in your AHV payments. And
you
won't get any significant payment out of SS after just a couple of years
contribution anyway.
At the time I decided against contributing to the AHV. Now that I have
been
in the US (San Francisco) for well over 10 years (with no end in sight)
I think it
was the right thing to do. So there must be some cost/benefit
calculation versus
time which others may be able to comment on.
Good luck
Jan
-----Original Message-----
From: swiss-list-
[mailto:swiss-list-] On Behalf Of Monica Bigler
Sent: Sunday, May 15, 2011 12:45 PM
To: swiss-
Subject: [Swiss-list] Question regarding Freiwillige AHV
Hi, I am currently trying to decide whether or not to participate in the
"Freiwillige AHV" program. Does anyone have some experience,
professional
contacts, and/ or resources as to how to best make this decision? For
example, when I spoke with a representative of Freiwillige AHV in
Montreal a
few ago, she advised me AGAINST participating, given the high cost
involved
and the fact that, once I would reach retirement age, I would not be
able to
obtain full Swiss AHV anyways given there was bilateral agreements
between
CH and the USA regarding social security payments. Where can I find out
more? I am currently still employed in Switzerland but planning on
transitioning to the US full-time.
Thanks for your input.
Monica B. Rosier
San Francisco, CA
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+++++++++ part2: ASCII English text, with very long lines
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)
I had decided not to contribute either when I moved to California in
2002, planning to stay long term. Next year, I will have enough
credits to be eligible for US SS finally.
I determined it was way too expensive for what I would eventually get
when I reach retirement age; I was 32 at the time.
So, to follow up on Jan's comment: it also depends on how old you are
and how many years you'll have to continue to pay in in order to get
the full payout.
Barbara
Sent from my iPhone
On May 16, 2011, at 9:52 AM, "Lauber, Jan" <>
wrote:
> Hi Monica,
>
> I think it all depends on how long you intend to stay here in the US.
> Yes, it is costly to pay both SS and AHV, but if it is just for a
> couple
> of
> years it might be worth not incurring the gap in your AHV payments.
> And
> you
> won't get any significant payment out of SS after just a couple of
> years
> contribution anyway.
>
> At the time I decided against contributing to the AHV. Now that I have
> been
> in the US (San Francisco) for well over 10 years (with no end in
> sight)
> I think it
> was the right thing to do. So there must be some cost/benefit
> calculation versus
> time which others may be able to comment on.
>
> Good luck
> Jan
>
> -----Original Message-----
> From: swiss-list-
> [mailto:swiss-list-] On Behalf Of Monica Bigler
> Sent: Sunday, May 15, 2011 12:45 PM
> To: swiss-
> Subject: [Swiss-list] Question regarding Freiwillige AHV
>
> Hi, I am currently trying to decide whether or not to participate in
> the
> "Freiwillige AHV" program. Does anyone have some experience,
> professional
> contacts, and/ or resources as to how to best make this decision? For
> example, when I spoke with a representative of Freiwillige AHV in
> Montreal a
> few ago, she advised me AGAINST participating, given the high cost
> involved
> and the fact that, once I would reach retirement age, I would not be
> able to
> obtain full Swiss AHV anyways given there was bilateral agreements
> between
> CH and the USA regarding social security payments. Where can I find
> out
> more? I am currently still employed in Switzerland but planning on
> transitioning to the US full-time.
>
> Thanks for your input.
>
> Monica B. Rosier
> San Francisco, CA
>
>
> +++++++ KILLMIME removed the following attachment(s):
> +++++++++ part2: ASCII English text, with very long lines
>
> _______________________________________________
> Swiss-list mailing list
> Swiss-
> http://www.swiss-list.com/cgi-bin/mailman/listinfo/swiss-list
> _______________________________________________
> Swiss-list mailing list
> Swiss-
> http://www.swiss-list.com/cgi-bin/mailman/listinfo/swiss-list
>
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