OASI, EVEN WITHOUT GAINFUL ACTIVITY
Even without income from gainful activity, you must remain insured and continue contributing to OASI (Old-Age and Survivors' Insurance). Your contributions are calculated differently from those of an employee or a self-employed person: they are based on your assets and pension income.
YOUR OASI SITUATION
From 1 January following your 20th birthday, you must contribute to OASI if you do not engage in gainful activity, or if your activity is insufficient. This obligation continues until you reach the reference age (65), whether due to early retirement, a period of study, a caregiving role, or any other situation without regular employment income. Unlike an employee or a self-employed person, your contributions are not based on income from work: they are recalculated each year on the basis of your actual financial situation, once your tax information is available.
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Affiliation from age 20
From 1 January following your 20th birthday. -
Calculated on assets and pension income
Not based on a salary. -
Quarterly billing
Instalments adjusted each year.
HOW IS YOUR CONTRIBUTION CALCULATED?
Your contribution is calculated on the basis of your net assets and your income received in the form of pensions (spouse's pension, 2nd pillar pension, etc.), multiplied by 20.
Situation | Annual OASI/DI/IC contribution |
|---|---|
Net assets + pension income × 20 below the minimum threshold | CHF 530 (minimum contribution) |
Between the minimum and maximum thresholds | Amount calculated on a sliding scale |
Net assets + pension income × 20 above the maximum threshold | CHF 26,500 (maximum contribution) |
For married couples, only half of the couple's assets and income are taken into account.
OUR FREQUENTLY ASKED QUESTIONS
I have just finished my studies. Do I need to register myself?
Yes. If you have never had an employer or have not been in gainful employment for more than 12 months, you must register with the OASI office in your place of residence.
What do I need to do if I take early retirement?
From the age of 58, if you take early retirement without resuming gainful employment or receiving unemployment benefits, you must register as a person not in gainful employment with the compensation office of your last employer.
What happens if my financial situation changes during the year?
Your contributions are initially invoiced on the basis of provisional instalments. If your assets or pension income change significantly, please let us know as soon as possible so that we can adjust your instalments.
YOUR OASI FORMS
Find the forms most commonly used for OASI. Need another form? Contact us and we will send it to you directly.
4 documents
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Contact person
Isa Ebibi
+41 21 613 35 14