Notes from the Federal Palace comes into force) will be entitled to compensation. Firstly, women in this age bracket can draw their pension from the age of 62 and receive lower reduction rates. Secondly, they will receive a lifelong monthly OASI supplement if they do not draw their pension early. The amount of the supplement will depend on the person’s year of birth and their OASI contributions. Provided they have no gaps in OASI contributions, their pension supplement will be at least 12.50 Swiss francs and a maximum of 160 Swiss francs per month. Change 3: Greater flexibility in the choice of retirement date It has already been possible for some time for men and women to draw their OASI oldage pension one or two years early or defer it for up to five years after the statutory retirement age. However, it was only for the The most important changes from 1 January 2024: ■ Greater flexibility in the choice of retirement date ■ Incentives to work beyond the age of 65 ■ Retirement age (now called the reference age) to increase to 65 for women (1 January 2025 onwards) Change relating to voluntary OASI If you pay contributions under the voluntary OASI scheme, a specific change now applies to you from 2024. Until now, you would have been automatically excluded from making further voluntary OASI contributions if you drew your old-age pension early. However, you can now take your pension early but continue to pay voluntary contributions until you reach the reference age. There is a good chance that these contributions and the subsequent contribution periods that you acquire will help to boost your pension when you reach the reference age. The CCO – your central hub for information and advice In the last 12 months, the Central Compensation Office (CCO) has adapted all its systems to work in accordance with the new statutory provisions that came into force on 1 January 2024. This applies to centralised systems like ACOR (pension calculation tool) as well as various registers and specialist applications used within the CCO. Our customer advisers underwent intense training to familiarise themselves with the flexible new options on pension withdrawal and on pension recalculation after the reference age, so that they can provide you with the best possible advice and support. Practical advice If you are considering various options (such as drawing your pension early or continuing to work) and are unsure how much your pension will be worth, we recommend that you obtain a pension forecast calculation as soon as possible via our website (revue.link/ prognosis). Women born in the years 1961 to 1969 can also go on the Federal Social Insurance Office (FSIO) website and work out the date on which they reach the reference age and how much their pension supplement and reduction rate will be (see “Individuelle Abfragen” at revue.link/individuell; French and Italian also available). OASI 21 provides more opportunities for flexible retirement, but also involves challenges. Which is why there are some practical things that all those affected by the changes can do in preparation. The CCO will be happy to help you in this process. EVA GORI, COMMUNICATION, CENTRAL COMPENSATION OFFICE CCO Further information: Further general information on the reform to stabilise OASI (OASI 21), available in German, French and Italian: revue.link/ahv21 More on pensions: revue.link/pensions What is changing? revue.link/merkblatt31 OASI benefits: revue.link/entitlements Flexible pension withdrawal: revue.link/flexibility Pension forecast calculation: revue.link/forecast Pension recalculation after the reference age: revue.link/recalculation Explanatory video providing a simple, easy-to-understand overview of the reform package to stabilise OASI: revue.link/oasivideo You have greater flexibility on when to draw your pension, but careful planning is necessary to work out what is best for you before you make any decision. If you pay contributions under the voluntary OASI scheme, you can now continue with these contributions even if you take your pension early. There is a good chance that this will help to boost your pension. full pension amount. Thanks to the OASI 21 reform, it is now also possible to draw a partial pension. For example, you can withdraw 20 per cent of your old-age pension at the age of 63 and withdraw the remaining 80 per cent at the age of 65. The same applies if you wish to defer your retirement. This level of flexibility may be attractive in theory, but it also opens up numerous options that need to be considered depending on your individual circumstances. 25 Swiss Review / March 2024 / No.2
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