Continuing to Work After 65

An employment contract normally ends when the reference age is reached. Anyone wishing to continue working after this period requires the employer's consent.  Unless continued employment is explicitly stipulated in the employment contract.

The earlier, the better. After all, employers must also ­be able to plan whether a successor needs to be organised. You can talk to your employer about this a few years before you retire. However, you should inform your manager at least six months in advance, otherwise they will be looking for a possible successor.

Basically everyone, provided the employer agrees. It is also possible to retire and return to work after a while if you find a job. 

All pension funds allow you to defer your pension. However, anyone who retires and later goes back to work will only be insured again if they have not yet reached the statutory reference age. 

Yes, because pension funds work like a piggy bank, except that the money earns interest - and usually better than a bank account. Anyone who works longer and continues to make regular contributions to the pension fund will continue to benefit from the employer's contributions. This allows you to accumulate more money and receive higher benefits later on.

To be able to pay contributions into the pension fund, you must earn a minimum amount of money per year. If you continue to work beyond the statutory reference age and earn less, you cannot pay any further contributions and must draw the pension fund benefits.

If you continue to work, you can defer your AHV. Currently, this must be postponed for at least one year.  However, AHV benefits may only be deferred for a maximum of five years beyond the statutory reference age. If you are still working then, you will have to withdraw AHV.

Pillar 3a may be drawn at the earliest five years before the reference age - whether you are still working or not. If you continue to work, you can leave your Pillar 3a untouched for a maximum of five years beyond the statutory reference age. Then you have to withdraw the money

Yes, if you continue to be employed beyond the reference age, daily sickness benefits and accident insurance continue to apply. However, you must work at least eight hours a week to qualify for accident insurance. The conditions may vary depending on the employer. The health insurance will continue to be paid privately. Child allowances are retained, but may be transferred to an entitled person if the partner is still employed.

Anyone who does the same work as before should also receive the ­same pay. But it is a matter of negotiation. If you give up your ­management position, for example, you will have to reckon with a pay cut.

There is no upper age limit. As long as the employer agrees and it is physically and mentally possible. However, AHV and pension fund benefits must be drawn at the age of 70 at the latest.

No. You will then receive your AHV pension, your pension fund benefits and the money from pillar 3a as normal - unless you have already withdrawn it earlier.

Those who have already retired receive an AHV pension and pension fund benefits. If you start working again, you will continue to receive these benefits. The new salary is therefore a financial boost. However, you have to pay into the AHV again if your monthly salary is over CHF 1,400. This is because all working people must pay into the AHV - it's about solidarity. Such contribution payments lead to an improvement in AHV benefits.