At the reference age, your old-age pension is calculated according to various criteria.
The calculation elements of the old-age pensions are as follows:
- The contribution years, which can be taken into account;
- The income from gainful employment;
- Bonus years for the educative and/or assistance tasks.
You are entitled to a full pension if you have fulfilled your obligation to pay contributions without gaps from the year in which you turn 21 until the reference age.
If the contribution period is incomplete, you will receive a partial pension.
Income sharing or "splitting"
In Switzerland, the division of income between spouses is referred to as “splitting”.
The income earned by the spouses during the calendar years of marriage is divided and allocated equally to each spouse.
This splitting is made when:
- each of the two spouses is entitled to an old-age or disability pension;
- the marriage has been dissolved by a divorce or by a declaration of annulment or
- one of the two dies and the surviving spouse is already in receipt of a pension.
Upper limit of a married couple's pensions
The sum of the two individual pensions of a married couple must not be superior to 150% of the maximum pension. If this limit is exceeded, the two individual pensions are reduced accordingly.
OASI pension supplement for women
Women born between 1961 and 1969 who retire at or after the reference age are entitled to a pension supplement.
Last modification 14.04.2025
