Invalidenversicherung

Invalidenversicherung (IV) is the Swiss public disability insurance, part of the country’s social security system. It provides income replacement and supports rehabilitation and integration for people whose earning capacity is permanently reduced due to illness, injury, or disability. The aim is to prevent poverty and to promote participation in work and society.

Eligibility is for individuals aged 18 and older who have a lasting loss of earning capacity. An IV assessment determines the degree of disability and the remaining work capacity, and applications are handled by the cantonal IV offices. Decisions can be challenged through procedures and, if necessary, appealed to higher authorities.

The core benefits of the IV are pension payments (IV-Rente) and rehabilitation or integration measures. The IV pension compensates for the diminished ability to earn, with the amount reflecting the degree of disability and the insured’s past earnings. In addition, the IV funds vocational rehabilitation, retraining, and measures that facilitate return to work or continued participation in the labor market, such as job placement, workplace adjustments, and other supportive services.

Funding and administration are shared by employers, employees, and federal subsidies. The IV is administered by the Federal Social Insurance Office (BSV) in coordination with cantonal IV offices. Decisions are subject to review within the administrative framework and, if applicable, appeal processes. The IV also coordinates with other social insurances to support comprehensive protection for people with disabilities.