Go Back   English Forum Switzerland > Help & tips > Employment
Reply
 
Thread Tools Display Modes
  #1  
Old 27.03.2014, 18:37
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Unemployment Benefits calculation

Good evening everyone,


I would like to know if by any chance, any of you have a more deep knowledge of how the arbeitslosenkasse's make the salary calculation.

Since sadly I unemployed, and I can't seem to find how the did the calculations.

So my gross last year, was 83674CHF, and if I'm correct, the unemployment benefits should be calculated more of less like this:

83674/12 = 6973chf average salary per month

and then on those 6973 we would divide by 21.7, to get your 100% gross per day, that in this case would be 321CHF.

Then we would calculate the 70% of this, because I have no children, and the result would be 224.7CHF, giving a 4875.99CHF without the 6% taxes per month.

So my question is, where am I missing? Because the calculations from the RAV they "calculated" somehow that my gross would be 6122CHF... and the brutto without taxes 4286CHF, meaning there's around 600CHF missing...

Any that can help me with this?

Thank you in advance,
Cheers all
Reply With Quote
  #2  
Old 28.03.2014, 14:11
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

Any idea?

So I just received the money on my account, and was even less than expected...

According the letter they sent me, they would "cut" me 10 days:

Allgemeine Wartezeit: 10 Tage

So that mean's if they money they calculate is refering to 21.7 average day's per month, that would give:

197.50*11.7= 2310.75 - 7% = 2149.05

And they paid me 1875CHF... I'm starting to wonder if they know how to make even mathematics, with the values they "calculate"...

Best Regards,
Reply With Quote
  #3  
Old 28.03.2014, 14:19
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,716
Groaned at 209 Times in 181 Posts
Thanked 11,029 Times in 6,254 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
Good evening everyone,


I would like to know if by any chance, any of you have a more deep knowledge of how the arbeitslosenkasse's make the salary calculation.

Since sadly I unemployed, and I can't seem to find how the did the calculations.

So my gross last year, was 83674CHF, and if I'm correct, the unemployment benefits should be calculated more of less like this:

83674/12 = 6973chf average salary per month

and then on those 6973 we would divide by 21.7, to get your 100% gross per day, that in this case would be 321CHF.

Then we would calculate the 70% of this, because I have no children, and the result would be 224.7CHF, giving a 4875.99CHF without the 6% taxes per month.

So my question is, where am I missing? Because the calculations from the RAV they "calculated" somehow that my gross would be 6122CHF... and the brutto without taxes 4286CHF, meaning there's around 600CHF missing...

Any that can help me with this?

Thank you in advance,
Cheers all
What was your last 6 months earnings, they seem to use that rather than 1 year now.
Don't be surprised if you get a punishment of 5-15 days as well as the waiting time, it's quite common.

You will also pay for full non work accident insurance, nudging 3% also each month is calculated based on no of working days so from 20-23
Reply With Quote
  #4  
Old 28.03.2014, 15:04
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

Well they can use the last 6, but still it shouldn't be possible, they asked for the 12, because my ex work, the salary each month was very different, because I worked in Shifts and some months, I had to work more etc.

So from what other colleagues that were informed, in our case should be the 12 months, but even so, if wasn't the 12 and only 6, the last six would give:

40768.6/6 = 6794.7 Average per month, instead of 6122 like they said...

The taxes as far as i know, are at max 7%, on top of my brutto per month, still the calculations they did, don't match anything...

And fatmanfilms, the punishment was 10 days, and that why I don't get it, a colleague that did the same exact schedule that I did, he has no kids, eactly like me, he got 2020CHF, and even according the values they present on the letter that is what I should get aswell, not 1875CHF...

Kinda doubting they are good at mathematics....
Reply With Quote
  #5  
Old 28.03.2014, 15:14
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 10,959
Groaned at 542 Times in 342 Posts
Thanked 10,565 Times in 5,405 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: Unemployment Benefits calculation

You could visit your Pensionskasse and ask them.
Reply With Quote
This user would like to thank Sbrinz for this useful post:
  #6  
Old 28.03.2014, 15:16
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,716
Groaned at 209 Times in 181 Posts
Thanked 11,029 Times in 6,254 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Unemployment Benefits calculation

Quote:
View Post
Well they can use the last 6, but still it shouldn't be possible, they asked for the 12, because my ex work, the salary each month was very different, because I worked in Shifts and some months, I had to work more etc.



So from what other colleagues that were informed, in our case should be the 12 months, but even so, if wasn't the 12 and only 6, the last six would give:



40768.6/6 = 6794.7 Average per month, instead of 6122 like they said...



The taxes as far as i know, are at max 7%, on top of my brutto per month, still the calculations they did, don't match anything...



And fatmanfilms, the punishment was 10 days, and that why I don't get it, a colleague that did the same exact schedule that I did, he has no kids, eactly like me, he got 2020CHF, and even according the values they present on the letter that is what I should get aswell, not 1875CHF...



Kinda doubting they are good at mathematics....

It used to be 12 months calculation, now it's 6, so it's possible to get more RAV money than you got when working, most people won't be lucky.

You have not had any punishment as yet, those were waiting days. Punishment come by letter in the first few months, you get a letter without any warning.
Reply With Quote
  #7  
Old 28.03.2014, 17:58
JanerMacP's Avatar
Forum Veteran
 
Join Date: Feb 2007
Location: Turgi, AG
Posts: 1,096
Groaned at 3 Times in 3 Posts
Thanked 787 Times in 424 Posts
JanerMacP has an excellent reputationJanerMacP has an excellent reputationJanerMacP has an excellent reputationJanerMacP has an excellent reputation
Re: Unemployment Benefits calculation

I have a RAV question and I don't want to start a new thread because the topic in this thread is similar...

At the end of my 16 week mat leave (my baby is due end of May, contract ends 30 Sept) I will need to enroll for RAV. I would like to "extend" my unemployment time for 2 months so that I can nurse my baby without the hassle of pumping/working for the last two months. Plus I will have my severance to live off of.

Is it possible to enroll for RAV as of Oct 1 but put the payments "on hold" for 2 months? I don't expect to be paid during this time as I wouldn't be applying for jobs.

If an employer can't fire you for wanting to stay home (unpaid) for 2 extra months, can RAV punish you for the same reasons?

Sorry to hijack, appreciate any answers.

I suppose I could always enroll Oct 1 and "pretend to look and apply" kind of thing but I don't want to take advantage of a system just because it's there.
__________________
"What we have is no where as useful as the wheel. We keep reinventing the piece of rock that is still square"
Reply With Quote
  #8  
Old 28.03.2014, 22:46
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

Quote:
View Post
It used to be 12 months calculation, now it's 6, so it's possible to get more RAV money than you got when working, most people won't be lucky.

You have not had any punishment as yet, those were waiting days. Punishment come by letter in the first few months, you get a letter without any warning.

I don't think I'll have some kind of punishments, I just did everything way behind date, and the RAV is happy, so i doubt I'll get a punishment without any reason

I'm going there on Monday, and I'll bring all my calculations, and I'll the the person there to make them in front of me, so I can understand, how 2 persons, with equal salary's have diferent unemployment benefits, and he's single and I'm married... I have no clue...
Reply With Quote
  #9  
Old 28.03.2014, 23:56
Forum Veteran
 
Join Date: Mar 2013
Location: Formerly in Neuchatel
Posts: 2,337
Groaned at 219 Times in 150 Posts
Thanked 3,860 Times in 1,537 Posts
porsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
I don't think I'll have some kind of punishments, I just did everything way behind date, and the RAV is happy, so i doubt I'll get a punishment without any reason

I'm going there on Monday, and I'll bring all my calculations, and I'll the the person there to make them in front of me, so I can understand, how 2 persons, with equal salary's have diferent unemployment benefits, and he's single and I'm married... I have no clue...
If you are married then your tax rate will be different?
Reply With Quote
  #10  
Old 29.03.2014, 00:17
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

We'll I shouldn't pay more taxes cause I'm married, my wife it's not even working, and she's not in Switzerland, and If by any chance I pay more taxes because I'm married, this is something new, usually the single's pay more, not the married...

But still makes no sense.
Reply With Quote
  #11  
Old 29.03.2014, 00:19
Forum Veteran
 
Join Date: Mar 2013
Location: Formerly in Neuchatel
Posts: 2,337
Groaned at 219 Times in 150 Posts
Thanked 3,860 Times in 1,537 Posts
porsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond reputeporsch1909 has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
We'll I shouldn't pay more taxes cause I'm married, my wife it's not even working, and she's not in Switzerland, and If by any chance I pay more taxes because I'm married, this is something new, usually the single's pay more, not the married...

But still makes no sense.
It depends were you live to be honest. I know in Neuchatel before my wife came to Switzerland I was still taxed as a married single earning couple.

I think other cantons require the partner to be in the country for that to occur.

But yes if you're married and a single earner then your tax should be lower than a single person's.
Reply With Quote
  #12  
Old 29.03.2014, 00:31
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

From what I have been speaking with my colleagues, all received more or less what they calculated, and from the values the Unia presented me, I should have received 2020 CHF like my colleague did, but no clue why I didn't get it...

So my only solution it's to go to the Unia's office Monday morning, and ask them to do the maths in front of me, to see if I can get it...

From what I know the taxes on top of the unemployment fund, are around 7% per month, and if actually the money missing was taxes, I paid around 14% of taxes, while unemployed, that's just plain stupid, If it's actually 14% means I'm getting 56% of my gross last 12 months, and that doesn't seem right...
Reply With Quote
This user would like to thank Kristan for this useful post:
  #13  
Old 29.03.2014, 01:30
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,716
Groaned at 209 Times in 181 Posts
Thanked 11,029 Times in 6,254 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
I don't think I'll have some kind of punishments, I just did everything way behind date, and the RAV is happy, so i doubt I'll get a punishment without any reason

I'm going there on Monday, and I'll bring all my calculations, and I'll the the person there to make them in front of me, so I can understand, how 2 persons, with equal salary's have diferent unemployment benefits, and he's single and I'm married... I have no clue...
The RAV don't do & have no idea of the calculations, thats done by the insurance kasse who will do their best to give you the run around. They told me on 2 occasions that I had not done enough days ......it's actually months but they don't seem to know that I ended up with 400 days benefit.
Reply With Quote
  #14  
Old 29.03.2014, 01:44
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

I also have 400 Days benefit, already confirmed by the RAV, and from what I know, you get penalty's if you for example register late to the RAV, if you don't make the 10/12 applications per month, that gives you penalty's not some illusion invented by Unia, and fulfilled 100% all that

You get the days cut, if by any chance your gross crosses a certain standart, I believe the level I'm in, is the one from 60K CHF to 90K CHF per year Gross, in that case you get the less 10 days in the first month, and you receive a pro rate daily value according the number of days in your current month, in this case March has 21, and ofc there's money missing, that vanished somewhere... This is not starting well
Reply With Quote
  #15  
Old 29.03.2014, 06:10
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,716
Groaned at 209 Times in 181 Posts
Thanked 11,029 Times in 6,254 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
I also have 400 Days benefit, already confirmed by the RAV, and from what I know, you get penalty's if you for example register late to the RAV, if you don't make the 10/12 applications per month, that gives you penalty's not some illusion invented by Unia, and fulfilled 100% all that

You get the days cut, if by any chance your gross crosses a certain standart, I believe the level I'm in, is the one from 60K CHF to 90K CHF per year Gross, in that case you get the less 10 days in the first month, and you receive a pro rate daily value according the number of days in your current month, in this case March has 21, and ofc there's money missing, that vanished somewhere... This is not starting well
As you say your married, if you have tax deducted at source, that could be the answer as to why a single person gets more.
Unia will send you a calculation sheet every month.
Reply With Quote
  #16  
Old 29.03.2014, 23:50
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

Yes I'm married, but my wife it's not here, and the taxes for married couples are less then single persons since around 2010...

And I made around 1y and 6 months of taxes payment etc, and I have a colleague that only did 5 months, and got more money than me, so something is really not right.
Reply With Quote
  #17  
Old 31.03.2014, 18:56
Newbie 1st class
 
Join Date: Apr 2013
Location: Oerlikon - Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 12 Times in 6 Posts
Kristan has no particular reputation at present
Re: Unemployment Benefits calculation

So I went to the Unia today, and the answer was more than fun, so basically, vacations etc etc etc that come in the salary statement, and that pay taxes, according the Unia, do not enter the unemployment benefit calculation, Só from 83K per year they say, they want to pay me 70%-10% of taxes of 52K, so 30K chf, that mean nothing for them, and the persons are a piece of...

So they even told me that I should receive even less than I did...

Seems being married means nothing for this people, and 3200CHF to support a house and wife, +2 health insurance it's great, way to go!

Damm perfect!
Reply With Quote
  #18  
Old 31.03.2014, 21:32
nigelr's Avatar
Forum Veteran
 
Join Date: Apr 2009
Location: Aargau
Posts: 1,419
Groaned at 109 Times in 53 Posts
Thanked 1,482 Times in 715 Posts
nigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
So I went to the Unia today, and the answer was more than fun, so basically, vacations etc etc etc that come in the salary statement, and that pay taxes, according the Unia, do not enter the unemployment benefit calculation, Só from 83K per year they say, they want to pay me 70%-10% of taxes of 52K, so 30K chf, that mean nothing for them, and the persons are a piece of...

So they even told me that I should receive even less than I did...

Seems being married means nothing for this people, and 3200CHF to support a house and wife, +2 health insurance it's great, way to go!

Damm perfect!
Two things:

1. Some people work 42 hours a week for a gross salary of 3200CHF per month.
2. Name one other country where you would even get 50% Salary for 400 days if you were unemployed - or even 25% for that matter.

I would be grateful to get anything, and in some countries you wouldn't.

Btw - The health insurance will be paid for you in all probability, but maybe it will not kick in until the next tax year, but it will conitnue after you find a job again.
Reply With Quote
This user would like to thank nigelr for this useful post:
  #19  
Old 31.03.2014, 21:38
Forum Legend
 
Join Date: Feb 2008
Location: Near Zug
Posts: 3,412
Groaned at 18 Times in 16 Posts
Thanked 1,943 Times in 1,165 Posts
CH_Me has a reputation beyond reputeCH_Me has a reputation beyond reputeCH_Me has a reputation beyond reputeCH_Me has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
So I went to the Unia today, and the answer was more than fun, so basically, vacations etc etc etc that come in the salary statement, and that pay taxes, according the Unia, do not enter the unemployment benefit calculation, Só from 83K per year they say, they want to pay me 70%-10% of taxes of 52K, so 30K chf, that mean nothing for them, and the persons are a piece of...

So they even told me that I should receive even less than I did...

Seems being married means nothing for this people, and 3200CHF to support a house and wife, +2 health insurance it's great, way to go!

Damm perfect!
If only you put half as much effort into looking for a new job, you wouldn't need to deal with them.
Reply With Quote
The following 3 users would like to thank CH_Me for this useful post:
  #20  
Old 31.03.2014, 21:39
nigelr's Avatar
Forum Veteran
 
Join Date: Apr 2009
Location: Aargau
Posts: 1,419
Groaned at 109 Times in 53 Posts
Thanked 1,482 Times in 715 Posts
nigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond repute
Re: Unemployment Benefits calculation

Quote:
View Post
If only you put half as much effort into looking for a new job, you wouldn't need to deal with them.
This was what I was also thinking.
Reply With Quote
The following 3 users would like to thank nigelr for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Unemployment Benefits !! dodoGB Employment 23 12.07.2013 14:45
Paid unemployment benefits being reclaimed by unemployment office johnmayer Employment 6 21.09.2012 09:11
Unemployment benefits juice99 Employment 9 21.06.2010 09:51
Jobseekers / Unemployment Benefits craigchapman1980 Employment 2 26.01.2010 16:47
Working conditions/RAV calculation for unemployment pension/ quiting job lucy_sg Employment 5 19.03.2008 21:01


All times are GMT +2. The time now is 08:11.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0