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Additional benefits on top of AHV and disability insurance
People who have reached AHV retirement age and disabled persons can secure an appropriate standard of living by means of additional benefits on top of AHV and disability insurance. You are entitled to them if your personal and financial circumstances meet the conditions.
The additional benefits on top of AHV and disability insurance are monthly social insurance contributions. They are awarded when the insured person's pensions and other income and assets do not amount to the minimum required to cover the cost of living. The cantons arrange for the payment of these contributions.
Calculation of the benefits
The annual additional benefits are equal to the difference between the recognised expenditure and the income that is to be taken into account. Not all earned income is taken into account as income.
A portion of a person's assets must be taken into account as income (asset depletion). Assets that have already been gifted and loans that have been granted are taken into account when additional benefits are calculated.
Payment of healthcare costs
Healthcare costs are reimbursed separately from and in addition to additional benefits. These include the excess or deductible for compulsory health insurance, dental treatment, household help, transport costs, convalescent therapies, etc.
Premium subsidy for additional benefits
With effect from January 2014, the premium subsidy for compulsory health insurance is no longer paid directly to the recipients of additional benefits. The relevant amount is paid directly to the relevant health insurer specifically for this purpose. The premium subsidy is then taken into account in the monthly premium.
The premium for compulsory health insurance – or the relevant average cantonal premium – is paid for people entitled to additional benefits.
Good to know
People entitled to additional benefits are freed from the obligation to pay radio and television licence fees. All they have to do is submit to Billag the official document confirming that they are entitled to additional benefits.
If you want to make a claim for additional benefits, you have to register with your local AHV office. People who have reached AHV retirement age can also contact Pro Senectute for advice. Disabled people can contact Pro Infirmis. On the Pro Senectute website you can easily calculate whether you can claim additional benefits and the level of benefits you can claim.