Liechtenstein - Invalidity
This chapter describes the benefits that may be received in the event of a invalidity. The following benefits are addressed:
In what situation can I claim?
Invalidity insurance in the 1st pillar includes integration measures and pensions. The principle of reintegrating a person before awarding a pension applies.
First, if the requirements have been met, attempts will be made to integrate a disabled person back into employment by means of reintegration measures (for example, retraining while paying a daily allowance, career advice, job placement, gradual professional reintegration (work trials), wage subsidy to the employer when employing a disabled person, adaptation of the workplace or other support aids).
If reintegration measures cannot be given or are without success, the disabled person will receive a invalidity pension (provided that the person has paid contributions for at least an entire year). The amount depends largely on the period of insurance and the contributions paid (partially notional contributions). The pension is granted to ensure the livelihood of the person entitled to the benefit.
In the second pillar, the pension scheme is subject to the assessment of the Liechtenstein Invalidity Insurance with regard to the existence of invalidity and the level of invalidity.
What conditions do I need to meet?
For a full contribution period (if contributions were paid between the age of 19 and the claim without any gaps), the person is entitled to a full pension. The full pension varies between a minimum pension of CHF 1,190 per month and a maximum pension of CHF 2,380 per month. For an incomplete contribution period, the person is entitled to a partial pension.
For a person to qualify for an invalidity pension of the 2nd pillar, they must be a member of a pension scheme and the IV body must have determined a IV level.
What am I entitled to and how can I claim?
In order to determine the degree of invalidity, previous earnings and earnings that are still possible despite the disability are compared and the difference is calculated as a percentage.
For a degree of invalidity of 40 %, the person is entitled to a quarter pension; for 50 %, the person is entitled to a half pension and for 67 % or above the person is entitled to a full pension. However, a person is only entitled to this pension if the inability to work in the previous area of responsibility has existed for a year and is likely to continue. It is paid out 13 times a year, with two pension payments in December (known as the 'Christmas allowance'). In the 2nd pillar, a full invalidity pension of annually 30% of the insured wage is insured. In case of partial invalidity the level of invalidity (or pension) can be set correspondingly lower. In individual cases the regulations of the pension schemes can also include a higher insurance. The pension schemes are subject to the findings of the invalidity insurance with regard to the level of invalidity. Child pensions amounting to 6% of the insured wage are also insured as a minimum benefit.
Should the benefits of the pension scheme coincide with benefits of other insurances, the benefits may be reduced if, taken together with all other allowable income, they exceed 90% of the supposedly lost income
The pensions are granted until the end of the invalidity or until they are replaced by an old-age pension.
Jargon busters
Invalidity: Invalidity is a long-term, health-related restriction of the ability to work. It does not matter whether the disability was present at birth or is the result of an illness or accident.
Forms you may need to fill in
- IV form (invalidity insurance)
- https://www.ahv.li/fileadmin/user_upload/Dokumente/Online-Schalter/FORM/AHV-IV-FAK-FORM-3-01--Antrag_Erwachsene.pdf
Know your rights
The links below provide additional legal information; they do not link to European Commission websites and do not reflect its views.
European Commission publications:
Who do you need to contact?
1st pillar:
Liechtensteinische AHV-IV-FAK
Gerberweg 2
Postfach 84
9490 Vaduz
LIECHTENSTEIN
Tel. +423 2381616
Fax +423 2381600
Email: ahv@ahv.li
2nd pillar:
Liechtenstein Financial Market Authority
Landstrasse 109
Postfach 279
9490 Vaduz
LIECHTENSTEIN
Tel. +423 236 73 73
Fax +423 236 73 74
E-Mail info@fma-li.li