Forums in Geneva > Geneva > claiming back pension contributions??
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claiming back pension contributions??
Mar 5, 2009 @ 16:44
Hello - I am leaving Geneva to go back to Uni in the UK. Now I dont normally try and scrounge back money from the system, but my money is v tight, and I think I have contributed enough in tax over here to cover it! I think I heard somewhere that you can claim back 'pension' contributions...? Is there an expert out there who knows? Would be very grateful for any info, likewise what authorities I have to inform of my departure. thanks!
The text you are quoting:
Hello - I am leaving Geneva to go back to Uni in the UK. Now I dont normally try and scrounge back money from the system, but my money is v tight, and I think I have contributed enough in tax over here to cover it! I think I heard somewhere that you can claim back 'pension' contributions...? Is there an expert out there who knows? Would be very grateful for any info, likewise what authorities I have to inform of my departure. thanks!
blondiMar 5, 2009 @ 16:44
blondiMar 5, 2009 @ 16:44
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Re: claiming back pension contributions??
Post 1
Mar 5, 2009 @ 18:14
Hello Blondi,
Well that would be me I guess. Yes you have this right, in fact its one of the biggest tax planning possibilities for expats working here.
Having said that, if (presumably) you are going back to an EU country, ie the UK, you only have the right to take the 'sur-obligatoire' element. The process is simple enough; Go to the OCP, who will verify that youve paid your taxes and provide you with a verification of your departure (an Attestation de Depart). Send this to your pension provider; most of them have forms online to notify them that you want to take the pension capital.
There is a pension capital tax, though this can usually be reduced with a little advanced planning
cheers
Phillip
The text you are quoting:
Hello Blondi,
Well that would be me I guess. Yes you have this right, in fact its one of the biggest tax planning possibilities for expats working here.
Having said that, if (presumably) you are going back to an EU country, ie the UK, you only have the right to take the 'sur-obligatoire' element. The process is simple enough; Go to the OCP, who will verify that youve paid your taxes and provide you with a verification of your departure (an Attestation de Depart). Send this to your pension provider; most of them have forms online to notify them that you want to take the pension capital.
There is a pension capital tax, though this can usually be reduced with a little advanced planning
cheers
Phillip
wilycoyote, Mar 5, 2009 @ 18:14
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Re: claiming back pension contributions??
Post 2
Mar 25, 2009 @ 20:36
Hi Phillip
thanks so much for your reply and so sorry for not replying sooner. It isn't actually a private pension fund that I have, instead whilst I worked in Grisons and in the Vallais, I paid some kind of state pension which was deducted direct from my wages - I don't think it was much, but if I can claim it back then why not? Do you know anything about this? Thanks again
The text you are quoting:
Hi Phillip
thanks so much for your reply and so sorry for not replying sooner. It isn't actually a private pension fund that I have, instead whilst I worked in Grisons and in the Vallais, I paid some kind of state pension which was deducted direct from my wages - I don't think it was much, but if I can claim it back then why not? Do you know anything about this? Thanks again
blondi, Mar 25, 2009 @ 20:36
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Re: claiming back pension contributions??
Post 3
Mar 25, 2009 @ 23:17
wilycoyote is right, but it is difficult to answer without a look at your pension financial documents. The easiest way is to ask either your HR rep or the pension fund company called "caisse de pension"
The text you are quoting:
wilycoyote is right, but it is difficult to answer without a look at your pension financial documents. The easiest way is to ask either your HR rep or the pension fund company called "caisse de pension"
Free, Mar 25, 2009 @ 23:17
Free, Mar 25, 2009 @ 23:17
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