AHV helplessness allowance – financial help when care is needed

What is the helplessness allowance?

The helplessness allowance is a financial benefit paid by the AHV (Swiss old-age and survivors’ insurance) to support people with health impairments. Anyone who permanently depends on help in everyday life – e.g. with dressing, eating or personal hygiene – can apply for this allowance.

Who is entitled?

The following conditions must be met:
– Place of residence and habitual abode in Switzerland
– The helplessness has lasted for at least six months
– Permanent help with everyday activities is needed
– No simultaneous allowance from accident or military insurance

What does “helpless” mean?

A person is considered helpless if they regularly need support with basic activities. These include, among others:
– Getting up, sitting down and lying down
– Personal care and hygiene
– Dressing and undressing
– Eating and drinking
– Getting around in everyday life
– Using the toilet

What benefits are available?

Depending on the degree of helplessness, a monthly flat-rate amount is paid:
– Mild helplessness: CHF 245 per month
– Moderate helplessness: CHF 613 per month
– Severe helplessness: CHF 980 per month

A medical report helps to assess which degree applies.

How does the application work?

The application is submitted to the responsible AHV compensation office. You will need the official application form and a medical report. After reviewing the application, the office decides on entitlement and the amount of the payment.

Is my income taken into account?

No. The helplessness allowance does not depend on income or assets. It is granted regardless of your financial situation and complements other services, such as care provided by family members or by Spitex (home care).

FAQ – frequently asked questions about the helplessness allowance

• Who can apply for the helplessness allowance?
  → People insured with the AHV who live in Switzerland and have a recognised need for care.
• What amounts are paid?
  → Mild: CHF 245 / moderate: CHF 613 / severe: CHF 980 per month.
• Do I need to apply?
  → Yes, via the responsible AHV compensation office, with a medical report.
• Do my assets count?
  → No, the benefit is independent of income and assets.
• Does the entitlement also apply if care is provided by family members?
  → Yes, the type of care makes no difference.

Conclusion: important support for everyday life

The AHV helplessness allowance helps people with impairments to cope better with everyday life. It promotes independence, eases the financial burden and is a firm part of the Swiss social security system – regardless of whether care is provided by professionals or by family members.