Summary of legislative changes 2025

From January 1, 2025, a number of legislative changes will affect social insurance in Switzerland. The increase in minimum pensions, the gradual revision of the retirement age for women, and adjustments to family allowances and contribution rates mark a year punctuated by changes for employers and employees alike. Discover the new measures to bear in mind to anticipate these changes.

 

Telecommuting for cross-border commuters

There have recently been a number of changes in the way cross-border commuters, and more specifically those domiciled in France, can telework. Today, we’d like to take a step back from this complex issue and, in light of the latest changes, provide you with a few useful clarifications in this article.

Minimum AHV pension / Impact on BVG

AHV/IV pensions will be adjusted in line with price and wage trends, with a 2.9% increase from January 1, 2025. As a result, the minimum OASI/DI pension will rise from CHF 1,225 to CHF 1,260 per month. This change has an impact on the BVG key figures:

To find out more, read the article by the Federal Social Insurance Office (FSIO).

Phased retirement for women

The retirement age for women will be gradually increased from 64 to 65 from January 1, 2025.

Find out more here

Family allowances

The minimum child allowance will be increased from CHF 200 to CHF 215 per month, and the education allowance from CHF 250 to CHF 268 per month, from January 1, 2025. This change affects those cantons that pay the minimum child benefit. Currently, seven cantons pay the LAFam minimum amount for child benefit (ZH, GL, SO, BL, AG, TG and TI), and six cantons apply this minimum for training allowance (ZH, GL, SO, BL, AG and TI). Family increases in the canton of Valais will rise from CHF 305 to CHF 327 from 01.01.2025.

Read more

Focus on the canton of Geneva

Minimum wage Geneva
The minimum gross hourly wage for Geneva will be CHF 24.48 for 2025(source). CAF rate Geneva
The rate of contributions to family allowances will rise from 2.28% to 2.25% from January 1, 2025(source). LAMAT rate
The cantonal maternity insurance contribution rate will fall from 0.076% to 0.064% on January 1, 2025(source).

Other cantons

Changes in the amount of family allowances and the various family-related contributions are listed in the document on the OFAS website: Types and amounts of family allowances. This document is not yet up to date, but is updated every December for the following year (changes will be highlighted in bold in the document).