In today's article we are going to delve into the topic of Social security in Switzerland, exploring its different facets and its relevance in today's society. Social security in Switzerland is a topic that has captured the attention of people of all ages and backgrounds, and its importance has been increasing in recent years. Through this article, we hope to offer a broad and detailed overview of Social security in Switzerland, giving our readers the opportunity to gain deeper knowledge about this topic and its impact on our lives. From its origin to its implications in various areas, we will immerse ourselves in an exhaustive analysis that allows our readers to better understand Social security in Switzerland and its implications in today's society.
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The social security in Switzerland (in German Sozialversicherungen) includes several public and private insurance plans to assist the welfare of the population.
The basic principles of social insurance are found in Articles 111 to 114 and Articles 116 and 117 of the Swiss Federal Constitution.
Article 111 defines the so-called "three-pillar principle", which regulates the structure of retirement, survivors', and disability benefits. Article 112 provides the basis for the old-age, survivors', and disability insurance, in Article 113 that of occupational pensions. Article 114 regulates the basis of the unemployment insurance; provisions for family allowances and maternity insurance are laid down in Article 116. Finally, in Article 117 sickness and accident insurance is regulated by constitutional law.
The old-age and survivors' insurance (Alters- und Hinterlassenenversicherung - AHV), together with the disability insurance (Invalidenversicherung - IV) and supplementary benefits, forms the first (state) pillar of the Swiss three-pillar system and serves to adequately safeguard the need for subsistence.
Social insurance is mostly financed by direct deductions from individual wages. The contributions are based on an individual's income. They are carried "on a parity basis," half by employers and half by employees. The only exception is health insurance, where income-independent head premiums are paid. In addition, there are also contributions from the public sector, for example old age pensions and disability pensions are financed by 5% from tobacco tax.
Social security insurance was introduced in Switzerland in 1948.
Social security services in Switzerland includes: