Workers beyond retirement age in Ticino: +220% in 20 years
In 2025, 220,000 people in Switzerland were working beyond retirement age. Here's what changes for cross-border workers in the Canton of Ticino.
Contesto
In brief - In 2025, 220,000 Swiss workers were over 65 years old - The share of employed over 64 has increased from 2.1% to 4.5% in 20 years - 12% of those over 65 are professionally active ## Key facts - What: Increase in workers of pensionable age - When: From 2005 to 2025 - Where: Switzerland, with impact on Ticino and cross-border workers - Who: Federal Statistical Office (UST) and Awp Agency - Amount: 220,000 workers over 65 in 2025 vs 87,000 in 2005 In 2025, around 220,000 people in Switzerland continued to work after reaching the ordinary retirement age. This data, which emerges from an analysis by the Awp agency on the data of the Swiss Labor Force Survey (RIFOS) of the Federal Statistical Office (UST), represents more than double the 87,000 recorded in 2005. The share of workers over 64 among all employees has increased from 2.1% to 4.5%, with one in twenty workers being at least 65 years old. ### The demographic transformation The trend reflects the demographic transformation of the country. The so-called baby boomers, born during a period of strong population growth, are entering the post-retirement age group, making the group of over 64 numerically larger. 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. ### Forms of employment The phenomenon affects both men and women similarly. Among those who continue to work, more than half are self-employed and the vast majority work part-time. This change has significant implications for the labor market, especially in regions like the Canton of Ticino, where the presence of cross-border workers is high. ### Impact on cross-border workers...
Dettagli operativi
Analysis of implications for cross-border workers The increase in workers of retirement age in Switzerland has several implications for cross-border workers employed in Ticino. In particular, it is important to consider the tax and pension aspects, especially in terms of double taxation and returns. ### Double taxation and returns Double taxation is a crucial issue for cross-border workers. In Switzerland, cross-border workers are subject to withholding tax, which is deducted directly from their salary. However, it is possible to benefit from bilateral agreements between Italy and Switzerland to avoid double taxation. It is essential to consult a tax expert to understand how to optimize returns and minimize the tax impact. ### AHV and BVG The AHV (Old-Age and Survivors' Insurance) and BVG (Occupational Pension Provision) are two fundamental pillars of the Swiss pension system. For cross-border workers, it is important to continue paying AHV contributions even after the age of 65 to maintain pension rights. The BVG, on the other hand, is a professional pension system that can offer additional benefits, but it is necessary to verify the specific conditions of your employment contract. ### Insurance coverage With age, health risks also increase. It is therefore important to check whether your health insurance policy, such as the LAMal (Mandatory Health Insurance), adequately covers your new needs. In some cases, it may be necessary to adjust the coverage or take out supplementary policies. ### Procedures to continue working If a cross-border worker decides to continue working beyond the age of 65, there are several procedures to follow: 1. Renewal of the work permit: Check if it is necessary to renew the G permit or other required documents. 2. Update of pension contri...
Punti chiave
Concrete actions for cross-border workers If you are a cross-border worker in Ticino and are considering continuing to work beyond the age of 65, here are some concrete steps to follow: ### 1. Consult a tax expert Double taxation is a complex issue, but with the help of a tax expert, it is possible to optimize returns and minimize the tax impact. A consultant can help you understand how to benefit from the bilateral agreements between Italy and Switzerland and plan your tax situation effectively. ### 2. Update your pension contributions It is essential to continue paying AVS and LPP contributions even after the age of 65 to maintain your pension rights. Check with your employer or a pension consultant to adjust your contributions according to your specific situation. ### 3. Renew your work permit If necessary, renew your work permit, such as the G permit, to continue working legally in Switzerland. Make sure you have all the documents in order and respect the deadlines. ### 4. Verify your insurance coverage With age, health risks increase. Verify if your health insurance, such as LAMal, adequately covers your new needs. You may need to adjust the coverage or subscribe to additional policies to ensure complete protection. ### 5. Plan for the future Planning for the future is essential for making informed decisions. Consider your financial, pension, and health needs and plan accordingly. A financial consultant can help you create a personalized plan to ensure a peaceful future. ### Useful tools To help you manage your situation effectively, you can use various tools available on the Frontaliere Ticino website: - Salary calculator: To estimate your net income after taxes. - Insurance comparator: To find the health insurance policy that best suits your needs. - Guide...
Punti chiave
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Frequently Asked Questions
- What happens if I continue working beyond the age of 65?
- If you continue working beyond the age of 65, it's important to update your AVS and LPP pension contributions, renew your work permit if necessary, and check your insurance coverages. Consulting a tax expert can help you optimize your tax situation and benefit from any bilateral agreements.
- How can I avoid double taxation?
- To avoid double taxation, you can benefit from the bilateral agreements between Italy and Switzerland. Consulting a tax expert can help you understand how to optimize returns and minimize the tax impact.
- What are the advantages of continuing to work beyond the age of 65?
- Continuing to work beyond the age of 65 can offer several advantages, such as additional income, the ability to maintain pension rights, and the opportunity to continue contributing to professional pensions. However, it's important to also consider the tax and insurance aspects.