Workers over 65: doubled in 20 years

Contesto

In brief - 220,000 workers over 65 in 2025 - +133% in 20 years - 1 in 20 employees is 65+ years old ## Key facts - What: Increase in workers over 65 - When: 2005-2025 - Where: Switzerland - Who: Awp Agency, Federal Statistical Office - Amount: 220,000 workers in 2025 Working after 65 is becoming increasingly common in Switzerland. Over the past twenty years, the number of professionally active people of retirement age has grown significantly, according to an analysis by the Awp agency on data from the Swiss Labor Force Survey (SLFS) by the Federal Statistical Office (FSO). In 2025, around 220,000 people continued to work after reaching the standard retirement age, a figure more than double the 87,000 recorded in 2005. ### The demographic transformation The share of workers over 64 among all employees has risen from 2.1% to 4.5%. In other words, today one in twenty workers is at least 65 years old. The trend reflects the country's demographic transformation. The so-called baby boomers, born during a period of strong population growth, are now entering the post-retirement age group, making the over-64 group numerically larger. ### Changes in work behavior However, general behavior is also changing: more and more people choose to remain active in the labor market even after formal retirement. Currently, 12% of people aged 65 and over are employed, double the 7% recorded in 2005. This phenomenon affects men and women equally. ### New forms of employment At the same time, employment patterns are changing: among those who continue to work, more than half are self-employed and the vast majority work part-time. This change could have significant implications for cross-border workers in Ticino, especially those approaching retirement age but wishing to continue working. ##...

Dettagli operativi

Practical implications for cross-border workers The decision to continue working after the age of 65 can have various practical implications for cross-border workers. First of all, it is important to consider how this choice may affect AVS and LPP contributions. Cross-border workers must ensure that they pay the necessary contributions to maintain their pension rights. Furthermore, it is crucial to understand how continuing to work may affect withholding taxes and tax refunds. ### Comparison with the previous situation Before 2005, the proportion of workers over 65 was significantly lower. This change reflects not only a demographic transformation but also an evolution of pension and tax regulations. Today, cross-border workers have more opportunities to continue working, but they also face new challenges, such as managing health insurance and taxes. ### Possible scenarios A cross-border worker who decides to continue working after the age of 65 might choose to reduce their working hours to part-time, as most workers over 65 do. This could allow them to maintain an additional income without overburdening themselves. However, it is important to consider how this choice may affect their health and overall well-being. ### Concrete procedures To continue working after the age of 65, cross-border workers must follow specific procedures. First of all, it is necessary to inform the Cantonal Tax Office and the INPS of their decision. Furthermore, it is advisable to consult a tax advisor to optimize their financial situation. Using tools such as the salary calculator can help estimate the additional income and plan for pension expenses. ### Tools and resources For cross-border workers who wish to continue working after the age of 65, it is useful to use tools such as the ins...

Punti chiave

What to do to continue working after 65 years For cross-border workers who wish to continue working after 65 years, it is important to follow some specific procedures. First of all, it is necessary to inform the Cantonal Tax Office and INPS of your decision. Additionally, it is advisable to consult a tax advisor to optimize your financial situation. ### Concrete steps 1. Inform the competent authorities: Contact the Cantonal Tax Office and INPS to communicate your decision to continue working after 65 years. 2. Consult a tax advisor: A tax advisor can help optimize your financial and pension situation. 3. Use useful tools: Use tools like the salary calculator to estimate additional income and the insurance comparator to evaluate pension options. 4. Keep track of deadlines: Use the tax calendar to keep track of important deadlines. ### Tools and resources For cross-border workers who wish to continue working after 65 years, it is useful to use tools such as the salary calculator to estimate additional income and the insurance comparator to evaluate pension options. Additionally, the tax calendar can help keep track of important deadlines. ### Conclusion The trend of working beyond 65 years in Switzerland offers new opportunities for cross-border workers, but it also requires careful planning of tax and pension implications. Using the right tools and consulting experts can make a difference for a smooth transition to retirement. Source: tio.ch

Punti chiave

{"q":"What are the tax implications for cross-border workers who continue working after the age of 65?","a":"Cross-border workers who continue working after the age of 65 must consider withholding taxes and tax refunds. It is advisable to consult a tax advisor to optimize your financial situation."},{"q":"How can I estimate my additional income after the age of 65?","a":"You can use the [salary calculator to estimate your additional income and plan your pension expenses."},{"q":"What are the procedures for continuing to work after the age of 65?","a":"To continue working after the age of 65, you must inform the cantonal tax office and the INPS of your decision and consult a tax advisor to optimize your financial situation."}]

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