FAQ

• AHV Contributions: Pensioners do not pay AHV contributions up to a tax-free amount of CHF 1,400.
• ALV Contributions: Contributions to unemployment insurance are completely waived.
• Insurance: Pensioners are insured against accidents and illnesses up to the age of 70.

Diligo handles the complete administrative processing, including salary payment and compliance with legal regulations. This ensures lawful employment.

Diligo has several success stories in employing pensioners. Many have successfully worked for their former employers or other companies, often part-time, providing the perfect balance between work and leisure.

A freelancer, also known as an independent contractor, is a service provider who performs tasks for a client. There is no legally precise definition, but the term is widely recognized across many industries.

Key benefits include flexible scheduling and choice of workplace. Consultants often work from home or other locations of their preference and can usually negotiate their income themselves, which is often higher than that of permanent employees.

Yes, due to flexible working hours and locations, consultancy is particularly suitable for mothers who wish to work alongside childcare. This is supported by the increasing acceptance of remote work and the demand for skilled professionals.

Consultants must constantly market their services and may face financial uncertainty during extended gaps between contracts. Additionally, social security coverage, especially in cases of illness or accident, can be inadequate. Risks include pseudo self-employment and delayed payments from clients.

Yes, this is generally permissible. It's important that all employments are correctly reported, and freelancers inform their employers about other activities to avoid conflicts of interest.

Income from consultancy must be declared as primary or secondary income in the tax return. When employed through a payrolling provider, the consultant receives a salary statement for tax purposes. Income from self-employment must also be declared and forms the basis for social security contributions.

Yes, all individuals in Switzerland must pay AHV contributions from the age of 20 until retirement age. For self-employed secondary activities, contributions are required from an income of CHF 2,300 per year.

Consultants should register for VAT if annual turnover exceeds CHF 100,000. It's also advisable to arrange for retirement provision through a pension fund.

Important coverages include health, accident, disability, death, and orphan's pensions. These insurances are crucial to safeguard against financial risks.

consultants should either obtain proof of self-employment from the AHV or offer their services through a payrolling provider to eliminate the risk of pseudo self-employment.

Multiple employments are generally allowed. Consultants should, however, inform their employers about other positions and ensure correct accounting for taxes, AHV, etc., to avoid legal issues.