13th AHV pension: what changes for pensioners in Switzerland from 2026

What is the 13th AHV pension?

The AHV (Swiss old-age and survivors’ insurance) is the foundation of retirement provision in Switzerland. To better cope with the rising cost of living, a landmark decision was taken: on 3 March 2024, the Swiss electorate approved the introduction of a 13th AHV pension – an additional monthly payment that will be paid out every year from 2026. This supplementary pension is intended to noticeably improve the financial situation of many retirees.

Who is entitled to the 13th AHV pension?

Everyone who regularly receives an AHV old-age pension will automatically receive the additional payment. No separate application is required. It is paid out every December by the responsible compensation offices. Disability and survivors’ pensions remain at twelve monthly payments per year and are excluded from the new rule.

When will the 13th AHV pension be paid for the first time?

The first payment of the new supplementary pension will be made in December 2026. It corresponds to one twelfth of the regular annual pension – an increase of around 8.3%. For many older people with low pensions, this is an important financial gain.

How is the 13th AHV pension financed?

The additional annual costs of around CHF 4.1 billion are to be covered largely by a moderate increase in VAT – specifically by 0.7 percentage points. The Federal Council expects this to secure the financing of the AHV until at least 2030.

What does the 13th AHV pension mean for everyday life?

For many older people in Switzerland, the additional pension brings noticeable improvements:

– More financial security in old age: especially for retirees on a low income, the supplementary pension means greater stability.
– Maintaining independence: higher monthly income allows more independence in everyday life.
– Social recognition: the introduction of the 13th pension is also a strong sign of society’s appreciation.

FAQ – frequently asked questions about the 13th AHV pension

• Do I have to apply for the 13th pension?
  → No, it is paid out automatically.
• Does the new rule also apply to widows’ or disability pensions?
  → No, only old-age pensions are covered.
• When will it be paid for the first time?
  → In December 2026.
• Is the supplementary pension counted towards supplementary benefits?
  → No, entitlement to supplementary benefits (EL) remains unchanged.
• How high is the additional payment?
  → Around 8.3% of the previous annual pension.
• Is the financing secured in the long term?
  → According to the federal government, yes – thanks to the tax adjustment and stable AHV finances.

Conclusion: a milestone for retirement provision in Switzerland

The introduction of the 13th AHV pension is a significant step in the development of the Swiss social security system. It not only strengthens the purchasing power of many older people, but also stands for solidarity and social responsibility. For many retirees, the new rule brings important, noticeable relief – fair, sustainable and in step with the times.