Liechtensteinische AHV-IV-FAK

What Liechtensteinische AHV-IV-FAK does

The Liechtensteinische AHV-IV-FAK-Anstalten is a self-governing public-law institution (selbständige Anstalt des öffentlichen Rechts) of the Principality of Liechtenstein, established under the AHVG of 14 December 1952 (LR 831.10) and headquartered at Gerberweg 2/5, 9490 Vaduz. It administers four statutory social insurance branches — AHV (Alters- und Hinterlassenenversicherung, old-age and survivors' insurance), IV (Invalidenversicherung, disability insurance), FAK (Familienausgleichskasse, family allowance fund), and EL (Ergänzungsleistungen, supplementary benefits) — together with attendance allowances (HE) and care allowances (PG). The institution holds exclusive statutory monopoly authority over these mandatory schemes for the entire resident population of Liechtenstein (approximately 40,000) plus cross-border workers under EWR/EFTA and bilateral Swiss agreements.

Operations are delivered through a small core staff of 24 employees, supported by a digital platform that includes the AHVeasy employer portal, an Online-Beitragsrechner available for years 2013–2026, and standardized data exchange with Liechtenstein pension funds (2. Säule/BPVG). Core IT processing is provided by IGS GmbH and Verein GILAI, which together serve 20 public-law social insurance organizations across Switzerland and Liechtenstein. Web hosting is partially outsourced to iresults GmbH (Liechtenstein), recruitment is handled via Refline AG (Switzerland), and newsletter distribution runs on CleverReach (Germany), with all data processing under Art. 28 GDPR agreements.

The revenue model is not commercial but statutory: mandatory payroll contributions collected from employers and employees at legally fixed rates (AHV 8.25%, IV 1.35%, FAK 2.1%, VK 0.585%, ALV 1%, capped at CHF 126,000 annual salary for ALV), supplemented by reserve investment returns. Revenue is not publicly disclosed. Benefits are uniformly priced — for example, AHV minimum pension CHF 1,225/month and maximum CHF 2,450/month effective January 2025 — and include cost-of-living adjustments, rehabilitation-first disability policies (Eingliederung vor Rente), and a full family allowance stack (children's allowances, birth grants, single-parent supplements, maternity/paternity/parental benefits). Distribution is via direct service at Vaduz headquarters, municipal community offices, the AHVeasy self-serve portal, and international consultation days in Dornbirn and Zürich.

Name

Liechtensteinische AHV-IV-FAK

Legal name

Liechtensteinische AHV-IV-FAK-Anstalten

Website

https://ahv.li

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

11–50 employees

Short description

The Liechtensteinische AHV-IV-FAK is a statutory public-law institution administering mandatory social insurance — old-age/survivors (AHV), disability (IV), family allowances (FAK), and supplementary benefits (EL) — for Liechtenstein's entire population and cross-border workers, funded by legally fixed employer/employee contributions and delivered with a 24-person staff using shared IT via IGS GmbH and GILAI.

Ownership category

akta.pro rank

Product category

Government Social Insurance

NAICS

Health and Welfare Funds (525120), Pension Funds (525110)

SIC

Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Social insurance administration
• Old-age pensions
• Disability insurance
• Family allowances
• Supplementary benefits

Headquarters

HQ city

Vaduz

HQ country

Liechtenstein

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. AHV Contributions (Old-Age and Survivors Insurance): Mandatory contributions from employees (4.025%) and employers (4.225%) totaling 8.25% of applicable wages, funding the old-age and survivors pension system.
2. IV Contributions (Disability Insurance): Mandatory contributions split equally between employees and employers at 0.675% each, totaling 1.35% of wages for disability insurance.
3. FAK Contributions (Family Allowance Fund): Family allowance contributions paid entirely by employers (1.9%) and employees (0.2%), totaling 2.1% of wages.
4. VK Administration Cost Contributions: Administrative cost contributions of 0.585% paid solely by employers to cover operational costs of the social insurance institutions.
5. ALV Contributions (Unemployment Insurance): Unemployment insurance contributions of 0.5% each from employers and employees (1% total), capped at CHF 126,000 annual salary maximum.

Pricing tiers

Distribution channels5 records

Marketing channels5 records

Core offering

The Liechtensteinische AHV-IV-FAK-Anstalten is a self-governing public-law social insurance institution of the Principality of Liechtenstein that administers mandatory statutory social security schemes, including Old-Age and Survivors' Insurance (AHV), Disability Insurance (IV), Family Allowances (FAK), Supplementary Benefits (EL), Attendance Allowances (HE) and Care Allowances (PG). It collects mandatory contributions from employers and employees and pays out pensions, family allowances, disability benefits and parental benefits, with digital services such as the AHVeasy employer portal and the online contribution calculator.

Product overview

The Liechtensteinische AHV-IV-FAK is a government social insurance institution organized as a unified authority offering six interconnected social insurance products. The core offerings include: AHV (old-age and survivors' insurance), IV (disability insurance), FAK (family allowance fund), EL (supplementary benefits), HE (attendance allowances), and PG (care allowances). Digital services include an Online-Beitragsrechner (online contribution calculator) spanning 2013-2026, the AHVeasy employer portal for secure online transactions, and standardized data exchange with pension funds. The institution operates as a unified authority rather than a platform-plus-modules architecture, with all services administered through a single organization under public law.

Differentiator

Problem solved

Functional benefit

Brands

• AHVeasy: Online portal for employers to manage social security contributions and business transactions with the AHV-IV-FAK institutions.
• AHVeasy

Products and services

• AHV (Alters- und Hinterlassenenversicherung) — Old-Age and Survivors' Insurance Statutory old-age and survivors' insurance providing retirement pensions, widows/widowers pensions, orphans' pensions, children's pensions, supplementary benefits for disabled persons and flexible retirement options for Liechtenstein residents.
• IV (Invalidenversicherung) — Disability Insurance Statutory disability insurance providing rehabilitation measures, medical and occupational interventions, disability pensions (full/half/quarter based on degree of disability), assistive devices, attendance allowances, blindness allowances and Taggeld/Spesenersatz for insured persons with reduced earning capacity.
• FAK (Familienausgleichskasse) — Family Allowance Fund Statutory family allowance fund providing children's allowances (Kinderzulagen), birth grants (Geburtszulagen), single-parent allowances (Alleinerziehendenzulagen), Differenzausgleich cross-border compensation, maternity pay (Mutterschaftsgeld), paternity pay (Vaterschaftsgeld) and parental pay (Elterngeld).
• EL (Ergänzungsleistungen) — Supplementary Benefits Statutory supplementary benefits for AHV/IV recipients whose combined pensions, income and assets do not secure a minimum livelihood, plus coverage of disease costs and disability-related additional expenses.
• HE (Hilflosenentschädigung) — Attendance Allowance Statutory attendance allowance for persons requiring regular assistance with daily living activities due to physical or mental disability.
• PG (Pflegegeld) — Care Allowance Statutory care allowance for persons with health-related care needs requiring significant third-party assistance with daily living activities.
• Online-Beitragsrechner (Online Contribution Calculator) Web-based contribution calculator tool available for multiple years (2013-2026) that allows employers and individuals to calculate AHV/IV/FAK/ALV contribution amounts.
• AHVeasy Online Employer Portal Secure online portal for Liechtenstein employers to manage social insurance business transactions, report salaries and submit employee data electronically.
• Datenaustausch mit Pensionskassen (Data Exchange with Pension Funds) Standardized data exchange service with occupational pension funds (Pensionskassen) to avoid duplicate administrative processes and streamline life confirmations.

Quantifiable outcome

• AHV pension cost-of-living increase of 2.9% effective January 2025
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• IGS GmbHcoreTechnology or IntegrationIT service provider and shareholder of the AHV-IV-FAK institutions. Provides an integrated total solution for complete digital processing of social insurance business. 20 public-law social insurance organizations in Switzerland and Liechtenstein are connected to this IT network. The company is fully controlled by its shareholders with close supervision and high data protection standards.
• Verein GILAIcoreTechnology or IntegrationIT association and member of the AHV-IV-FAK institutions. Provides specific IT solutions for disability insurance (Invalidenversicherung). Together with IGS GmbH, serves 20 public-law social insurance organizations in Switzerland and Liechtenstein. Both organizations are fully controlled by their members with close supervision and high data protection standards.
• Stiftung ethosminorOthersSwiss sustainable investment foundation of which AHV Liechtenstein is a member. The ethos logo appears on the organization's website footer, indicating membership in this Swiss responsible investment organization.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Deutsche Rentenversicherung Bund: Germany's federal statutory pension insurer administering old-age, disability, and survivor benefits plus rehabilitation under SGB VI. Conceptually mirrors the AHV/IV combination operated by Liechtenstein's institution, although at vastly larger scale (~57 million insureds).
• Pensionsversicherungsanstalt (PVA) Austria: Austria's statutory pension insurance carrier administering old-age, disability, and survivor pensions plus rehabilitation for ~5 million insureds. Comparable as a national-level statutory social insurance body handling AHV/IV-equivalent functions, though operating at substantially larger scale.
• Försäkringskassan (Swedish Social Insurance Agency): Sweden's national social insurance agency administering parental benefits, sickness, disability, and old-age pensions under a single statutory framework. Comparable as a publicly mandated, multi-line social insurance operator, though at substantially larger scale and in a different regulatory jurisdiction.

Direct peers

• Ausgleichskasse Basel-Stadt: Swiss cantonal compensation fund administering AHV/IV/FAK/ALV and supplementary benefits for the Basel-Stadt canton. Operates identical statutory social insurance lines under Swiss federal law and uses the same IGS GmbH/GILAI IT backbone, making it a structurally near-identical peer.
• SVA Zürich (Sozialversicherungsanstalt des Kantons Zürich): Swiss cantonal social insurance institution administering AHV, IV, EO, and family allowances for the canton of Zürich. Operates on the same legal framework (AHVG/IVG) as Liechtenstein's AHV-IV-FAK and shares IGS GmbH IT infrastructure, making it the most functionally comparable peer.

Others

• Stiftung Ethos: Swiss foundation promoting sustainable investment, of which AHV Liechtenstein is a member. Comparable as the institution's ESG/sustainability governance partner, relevant given the AHV's role as a major institutional investor managing pension reserves.
• Verein GILAI: Member-owned IT association providing specialized solutions for disability insurance (Invalidenversicherung), jointly operated with IGS GmbH across 20 public-law social insurance organizations. Comparable as the dedicated IV IT infrastructure partner for the institution.
• IGS GmbH: Shared IT service provider and shareholder-owned by 20 public-law social insurance institutions including Liechtensteinische AHV-IV-FAK. Comparable as the mission-critical technology backbone and operational dependency for the institution's administration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/liechtensteinische-ahv-iv-fak

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liechtensteinische AHV-IV-FAK