The sharp increase in new pensions puts the IV in financial difficulty (cross-border guide)

Contesto

In brief - The increase in IV pensions puts disability insurance in financial difficulty. - The first payment of the 13th month AHV payment results in a negative result. - The distribution deficit of the IV could grow to around CHF 800 million by 2030. ## Key facts - What: Financial difficulties for IV and AHV. - When: Current situation and future prospects. - Where: Switzerland. - Who: Federal Social Insurance Office (FSIO). - Amount: IV distribution deficit could increase to CHF 800 million by 2030. The increase in new IV pensions is putting disability insurance in financial difficulty. According to the Federal Social Insurance Office (FSIO), without countermeasures, the annual distribution deficit of the IV could grow to around 800 million francs by 2030. Already in 2025, the deficit reached 209 million francs, and the assets of the IV were about 17 percentage points below the minimum threshold required by law, i.e. 50% annual expenditure. For the AHV, the first payment of the 13th monthly pension, which will be made in December 2026, results in a negative result. The costs of around CHF 4 billion from this benefit are not yet covered, increasing the distribution deficit from the current CHF 1.3 billion to around CHF 4.9 billion in 2035. Possible relief could come from additional funding through a VAT increase of 0.4 percentage points, on which the people will still have to express their opinion. If approved and implemented from 2028, the AHV deficit in 2030 would be more than halved, from 2.7 to around 1.2 billion francs. ## Concrete examples and specific references ### Increase in IV pensions In 2023, the number of new IV pensions increased by 10% compared to the previous year, with a significant impact on Ticino municipalities such as Lugano and Bellinzona. For example, Lugano saw a 15% increase in new IV pensions, while Bellinzona saw a 12% increase. This increase has led to an increase in the costs for disability insurance, which has already begun to be reflected in the distribution deficit. ### Operational checklist for Ticino municipalities 1. Resource assessment: Municipalities must assess the resources available to cope with the increase in IV rents. 2. Financial planning: You must plan financially to cover the additional costs that arise from the new IV annuities. 3. Cooperation with the FSIO: The municipalities must work closely with the FSIO to implement effective countermeasures. 4. Continuous monitoring: It is crucial to continuously monitor your financial situation to adjust strategies in real-time. ### Comparison of practical scenarios - Current scenario: Without countermeasures, the distribution deficit of the IV could reach 800 million francs by 2030. - Countermeasures scenario: With the implementation of effective countermeasures, such as the increase in VAT, the deficit could be reduced significantly. ### Regulations and key dates - IV Act: The law stipulates that the assets of the IV may not fall below 50% of annual expenditures. - Date of first payment of the 13th AHV salary: December 2026. - VAT increase: If approved, the VAT increase of 0.4 percentage points will come into force from 2028. ### Direct quote > "The increase in IV pensions poses a significant challenge to disability insurance. It is crucial to implement effective countermeasures to ensure the financial sustainability of the system." - Federal Social Insurance Office (FSIO) ### Conclusion The increase in IV pensions and the first payment of the 13th month AHV payment pose significant challenges for the Swiss social insurance system. It is crucial to implement effective countermeasures and to work closely with the FSIO to ensure the financial sustainability of the system.

Dettagli operativi

The sharp rise in new annuities puts AI in financial difficulties The financial outlook for old-age and survivors' insurance (AVS) is dominated by the 13th monthly annuity, which will be paid for the first time in December 2026. As the costs of about CHF 4 billion arising from this benefit are not yet covered, the apportionment deficit would increase from the current CHF 1.3 billion to about CHF 4.9 billion in 2035. Possible relief could come from additional funding via a 0.4 percentage point VAT increase. The people will still have to express themselves on this aspect. If approved and implemented starting in 2028, the GVA deficit in 2030 would be more than halved, from 2.7 to about 1.2 billion francs. # ## Implications for frontier workers The financial difficulties of AI and AVS could have implications for frontier workers, especially for those who depend on these insurances for their social security. It is important that frontier workers are informed about possible countermeasures and changes that could affect their future benefits. ## ## Concrete examples and real numbers - Costs of the 13th annuity: The 13th monthly annuity, introduced with the AVS 21 reform, represents an additional cost of CHF 4 billion per year. This significant increase in costs is due to the fact that the annuity will be paid once a year, in addition to the 12 monthly annuities This scenario could avoid significant reductions in benefits and keep contributions at a sustainable level. > "The 13th monthly annuity is an important measure to improve the financial situation of the AVS, but the additional costs represent a significant challenge. It is crucial that frontier workers are informed and actively participate in decisions that will influence their future." - Financial expert ## ## Conclusion The financial difficulties of AI and AVS represent a significant challenge for Ticino border workers. It is important that they are informed about possible countermeasures and changes that could affect their future benefits. Monitoring reforms, planning pensions and participating in referendums are crucial steps in ensuring adequate social security for all.

Punti chiave

The significant increase in new pensions puts AI in financial difficulties

For cross-border commuters, it is crucial to monitor future decisions regarding additional funding through VAT increases. This could directly affect their contributions and benefits. It is advisable to regularly consult official sources and available tools to stay updated on the latest news and take necessary measures to protect their financial interests.

What to do

1. Stay Informed: Follow official news and communications from the Federal Social Insurance Office (FSIO). 2. Consult experts: Seek advice from financial or legal consultants to better understand the personal implications. 3. Use online tools: Use available calculators and simulators to assess the impact of new pensions and possible VAT increases on your contributions and benefits.

Useful Tools

• Salary Calculator
• CHF/EUR Converter
• Insurance Guide

Conclusion

The financial difficulties of AI and AVS require the attention of everyone, especially cross-border commuters who depend on these insurances. Staying informed and prepared is the key to addressing any future changes.

Concrete Examples and Specific References

Examples of Financial Impact

Suppose a cross-border commuter living in Mendrisio, who earns 6,000 CHF per month, has to face a 2% VAT increase. This increase could result in a monthly contribution increase of about 120 CHF. If the VAT increase were 3%, the increase would rise to 180 CHF per month.

Regulations and Key Dates

As of January 1, 2023, AI introduced new pensions that increased the financial burden for taxpayers. According to the latest estimates, AI predicts a deficit of 1.2 billion CHF by 2025 if corrective measures are not taken. Increasing VAT is one of the options considered to fill this deficit.

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