Hi to All,
I am an employed permanent resident living in Finland for 11 years.
This month I moved to swiss to take a managerial position, and I have
frontier commuter permit which allows to me to continue my residence
in Finland and work in Swiss. But, KELA has cancelled my
social security since in EU economic intergration area KELA
belongs to the country where one works. On the other hand
I need to pay tax in Swiss as well as in Finland.
I am a bit surprised at this decision. When my residence
continues in Finland, can my KELA benefits be cut off?
Hence, my question being posted to all of you to know your
experiences.
Thanks in advance for all your responses.
KELA benefits
Re: KELA benefits
Social security and tax are two different things.
For tax purposes, if you remain resident in Finland then you must pay tax in Finland. If there is a reciprocal tax agreement between Finland and Switzerland then you should be able to deduct any tax you pay in Switzerland from your Finnish tax liability. However, I am not familiar with the bilateral agreement between Finland and Switzerland. You should ask Vero about this, you might find it on the Vero website, otherwise you should call their helpline or visit their office.
As far as KELA is concerned, you must be contributing into the system in order for your benefits (eg health care) to continue. Within the EU there is a three month period when your previous country of residence continues to give you cover after you move to another EU country (this is thru the European Health card). Assuming your Swiss employer is not paying Finnish TEL contributions, then I see no way how you can be covered (eg for health and pension etc). So, you will have to pay into private health and pension schemes out of your Swiss salary (maybe your employer can advise you on this).
For tax purposes, if you remain resident in Finland then you must pay tax in Finland. If there is a reciprocal tax agreement between Finland and Switzerland then you should be able to deduct any tax you pay in Switzerland from your Finnish tax liability. However, I am not familiar with the bilateral agreement between Finland and Switzerland. You should ask Vero about this, you might find it on the Vero website, otherwise you should call their helpline or visit their office.
As far as KELA is concerned, you must be contributing into the system in order for your benefits (eg health care) to continue. Within the EU there is a three month period when your previous country of residence continues to give you cover after you move to another EU country (this is thru the European Health card). Assuming your Swiss employer is not paying Finnish TEL contributions, then I see no way how you can be covered (eg for health and pension etc). So, you will have to pay into private health and pension schemes out of your Swiss salary (maybe your employer can advise you on this).