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Residence permits: How EU and EFTA citizens can live, work and stay in Switzerland

For European Union and EFTA citizens, living and working in Switzerland is much easier. Here's what you need to know.

The city of Zurich, with Lake Zurich in the foreground, on a beautiful day. Zurich is a popular destination for foreign workers. Photo by Volodymyr on Unsplash
The city of Zurich, with Lake Zurich in the foreground, on a beautiful day. Zurich is a popular destination for foreign workers. Photo by Volodymyr on Unsplash

A small country with a strong economy, Switzerland is heavily reliant on its foreign workers. 

Approximately 25 percent of the country’s population is foreign, with the figure in some cantons as high as 50 percent. 

Switzerland has a dual system for allowing foreign workers in to the country: European Union (EU) and European Free Trade Association (EFTA) nationals are in one group and people from all other countries (third-country nationals) in a second group.

This means that citizens of the 27 countries currently in the European Union – along with the three EFA states other than Switzerland (Iceland, Liechtenstein and Norway) – have preferential access when it comes to living and working in Switzerland. 

While it is not as simple as just moving to Switzerland like you would in your own country, it remains much easier than if you come from a so-called ‘third country’. If you come from a country outside the EU/EFTA states, click the following link for more information. 

READ MORE: An essential guide to Swiss work permits

Here’s what you need to know. 

EU and EFTA nationals

Nationals from EU and EFTA countries are able to live and work in Switzerland under the terms of the Agreement on the Free Movement of Persons (AFMP).

People from these countries only require a residence permit, which also doubles as a work permit. These permits are not tied to a single canton, but you need to inform the authorities if you change your address. You can also change jobs or take up self-employment.

Note that you will only generally be granted a residence permit if you have a signed work contract detailing the number of hours to be worked and the duration of the position.

A red train carves its way though the Swiss mountains on a snowy day.

The scenic route. This is the way at least some people get to work in Switzerland. Photo by Johannes Hofmann on Unsplash

However, people from EU and EFTA countries who are not economically active, such as retirees and students, may be entitled to a residence permit if they can prove they have sufficient funds to support themselves and that they have health insurance. There is more information here.

If you are an EU or EFTA national, you can also come to Switzerland and look for work for a period of up to three months without needing to obtain a permit. If your job hunt lasts longer than three months and you have sufficient funds, you can apply for a temporary residence permit that will allow you to continue looking for a further three months.

This can be extended for up to a year if there is sufficient evidence that your job hunt could be successful.

Here are the main types of residence permits for EU/EFTA nationals in Switzerland

L EU/EFTA permit (short-term residents)

This permit is usually given to EU and EFTA who are going to be resident in Switzerland for a period of up to a year.

According to the State Secretariat for Migration, EU and EFTA nationals are entitled to this permit provided they are in possession of an employment contract valid from three up to twelve months. 

Reader question: Does owning a second home in Switzerland give me the right to live there?

B EU/ETFA permit (resident foreign nationals)

This permit is issued to foreigners with a work contract of at least 12 months, or of unlimited duration. This permit can be extended after the five years is up. However, if the applicant has been out of work for more than 12 consecutive months in the previous five-year period, the permit will only be extended for one year.

EU and EFTA nationals who don’t have work, or who plan to work on a self-employed basis, can also be granted a B permit if they can prove they have enough money to be self-sufficient and that they have adequate health and accident insurance.

C EU/FTA permit (settled foreign nationals)

After five or ten years’ residence, some EU and EFTA nationals can obtain permanent residence status by being granted a C permit.

G EU/EFTA permit

This permit is designed for cross-border commuters who work in Switzerland (either employed by a firm or self-employed) but who live elsewhere. Holders of this permit can work anywhere in Switzerland but must return to their place of residence outside Switzerland at least once a week.

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LIVING IN SWITZERLAND

What disability benefits in Switzerland are foreigners entitled to?

If you are suddenly unable to work for health reasons, are you, as a foreign national, able to collect Swiss disability payments?

What disability benefits in Switzerland are foreigners entitled to?

Disability insurance (DI), also known as invalidity insurance (IV / AI), is part of Switzerland’s compulsory social insurance scheme, which also includes the first and second-pillar state pensions, as well as unemployment benefits.

Anyone who has been contributing to the scheme (as all residents of Switzerland are required to do, regardless of their nationality), is entitled to apply for DI if such a need arises.

However, this doesn’t necessarily mean that if you become ill, you will automatically receive a monthly payment.

To receive this pension, your capacity to work must have been reduced by an average of at least 40 percent for one year, and the disability must be irreversible.

First, however, rehabilitation measures

According to the Federal Social Insurance Office (FSIO), DI’s priority is ‘rehabilitation before a pension’, which means the system “aims to restore or improve the earning capacity of individuals who are disabled as the result of a congenital or other illness, or as the result of an accident.”

If you are able to perform a job, even part-time, which is compatible with your disability, then you will receive a partial DI.

If the rehabilitation measures are not possible or insufficient, and you are totally unable to work, you will qualify for total insurance payment.

How can you know whether you are eligible?

“It doesn’t matter whether the impairment to health is physical, psychological or mental in nature, or whether it results from a congenital infirmity, illness or accident,” the FSIO explains. The only condition is that “there is incapacity for earnings if the said disability is objectively insurmountable.”

‘Objectively insurmountable” means that you need to have medical certificates attesting to the nature of your illness, and how it prevents you from working and leading a normal life.

You may also have to be examined by doctors appointed by your local social insurance office to confirm the initial diagnosis and determine the extent of your disability.

How much will you receive (if you qualify)?

For persons in full-time employment, the social insurance office assesses the disability by means of an income comparison.

It first determines the income that the insured person could have earned if they were not disabled. It then deducts from this amount the salary that the insured person could reasonably earn after the disability occurred and the rehabilitation measures were carried out (regardless of whether this salary is achieved or not).

This calculation results in a difference that is equivalent to the loss of earnings (in percentage) due to the disability. 

This is an example cited by the FSIO :

Income without disability: 60,000 francs

Income with disability: 20,000 francs

Loss of earnings: 40,000 francs

Disability rate: 100 x 40,000 divided by 60,000 equals about 67 percent.

The pension will therefore correspond to 67 percent of salary.

An important point to remember is that if you are approved for a full DI, you absolutely cannot take on a ‘side’ job to supplement your income.

How can you apply for disability insurance as a foreigner?

Pretty much the same way as a Swiss citizen — again, provided you have been contributing to the social security scheme in Switzerland.

You will need to fill out an application form in German, French, or Italian (English version is not available) and send it to a DI office in your canton.

They will review your request and decide whether you are entitled to the pension and, if so, to what type.
 

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