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Old 01.03.2015, 16:03
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RAV payments and 13th salary

Hello all,

I will be officially receiving unemployment this month (paid next month). I know that they ask for all 12 months of payslips to do an average of the last 6 months salary to determine what they should pay you - including the 13th month salary. I have also read that if the last 12 months would give you more, they will do that instead.

What I would like to know is that my last 6 months' worth of payslips obviously includes December, which had my 13th salary in it.

So, does anyone know if they would incorporate the entire 13th month salary as part of the average since that is technically part of my December payslip or do they only take a portion of it for those months that are part of this past 6 month period?

Thanks so much. I am just trying to prepare myself for what to expect financially as I sort of need every franc that I can get.
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Old 01.03.2015, 18:11
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Re: RAV payments and 13th salary

Isn't the RAV unemployment pay based on your past 12 monthss salary? Don't they ask all your employers, about ALL the money they paid you?

.

Last edited by Sbrinz; 01.03.2015 at 18:22. Reason: correction
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Old 01.03.2015, 18:16
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Re: RAV payments and 13th salary

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Isn't the RAV unemployment pay based on your past 2 years salary? Don't they ask all your employers, about ALL the money they paid you?
I have been asked about employment in the last 24 months; however, they have only asked for my payslips from the last 12.

They told me that they base the payout on the last 6 months or 12 if it works in the recipient's favour.

As far as I am aware, they ask about the previous 2 years of work to determine the length of RAV payments but not the actual amount.
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Old 01.03.2015, 18:21
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Re: RAV payments and 13th salary

http://www.awa.zh.ch/internet/volksw...html#a-content
Wie wird mein versicherter Verdienst berechnet?

Die Höhe der Arbeitslosenentschädigung hängt grundsätzlich vom AHV-pflichtigen Lohn ab, den Sie durchschnittlich in den letzten 6 oder – falls vorteilhafter – in den letzten 12 Monaten vor Ihrer Arbeitslosigkeit erzielt haben (= versicherter Verdienst). Der höhere Durchschnitt ist bis zu einem Höchstbetrag von CHF 10'500 versichert.



yes you are correct: the past 6 months, or the past 12 months if there is an advantage to you.
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Old 01.03.2015, 19:55
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Re: RAV payments and 13th salary

I think the OP is asking if his 13th month would be included in its entirety as part of his presumed income for the past six months as it's listed on his December salary slip, OR if it will be pro-rataed; so split and only half of it counted.
The first version would give him a higher amount due from the Unemployment Office.

Personally I think it will be split into twelve equal amounts and six of those added to his normal monthly salary then used to calculate his allowance (if the calculation is based on six months income).
The 13th month is basically your total annual salary split into thirteen portions and usually paid around Christmas, it's not a bonus or any other 'extra' payment.
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Old 01.03.2015, 20:04
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Re: RAV payments and 13th salary

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I think the OP is asking if his 13th month would be included in its entirety as part of his presumed income for the past six months as it's listed on his December salary slip, OR if it will be pro-rataed; so split and only half of it counted.
The first version would give him a higher amount due from the Unemployment Office.

Personally I think it will be split into twelve equal amounts and six of those added to his normal monthly salary then used to calculate his allowance (if the calculation is based on six months income).
The 13th month is basically your total annual salary split into thirteen portions and usually paid around Christmas, it's not a bonus or any other 'extra' payment.
Yes, that is what I am asking.

However, my salary was not constant over the last year. I got a decent raise in September (20%) and had to take a few unpaid days leave in both August and September, so dividing my salary into 12 payouts would actually be inaccurate if they were only looking at the last 6 months.

Do you think that it matters to them? if they were to divide it, I'd rather have them look at what the 13th salary should be for the past 4 months of 2014 than divide everything equally if you know what I mean since it will reflect my raise.

This might be tricky for them to follow but it is more apparent this year since I have my normal salary, but the 13th month payout for 2015 as separate.
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Old 01.03.2015, 20:30
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Re: RAV payments and 13th salary

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Yes, that is what I am asking.

However, my salary was not constant over the last year. I got a decent raise in September (20%) and had to take a few unpaid days leave in both August and September, so dividing my salary into 12 payouts would actually be inaccurate if they were only looking at the last 6 months.

Do you think that it matters to them? if they were to divide it, I'd rather have them look at what the 13th salary should be for the past 4 months of 2014 than divide everything equally if you know what I mean since it will reflect my raise.

This might be tricky for them to follow but it is more apparent this year since I have my normal salary, but the 13th month payout for 2015 as separate.
It's based on the last 6 months salary, which can mean your 70% insured exceeds your annual salary over the last 12 months.
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Old 01.03.2015, 20:34
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Re: RAV payments and 13th salary

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It's based on the last 6 months salary, which can mean your 70% insured exceeds your annual salary over the last 12 months.
Yes, my last 6 months salary would exceed my overall last 12 months salary (yet at 70%, I will still receive less than my first salary). Still, I cannot complain too much since the raise definitely helped, though I am not one of those people who earn a top income in Switzerland...yet!

I suppose that I should not get my knickers in a twist about how the 13th salary might be divided. It is what it is. I just want to prepare myself as I will have much less money now than when I worked.
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Old 01.03.2015, 20:38
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Re: RAV payments and 13th salary

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Yes, that is what I am asking.

However, my salary was not constant over the last year. I got a decent raise in September (20%) and had to take a few unpaid days leave in both August and September, so dividing my salary into 12 payouts would actually be inaccurate if they were only looking at the last 6 months.

Do you think that it matters to them? if they were to divide it, I'd rather have them look at what the 13th salary should be for the past 4 months of 2014 than divide everything equally if you know what I mean since it will reflect my raise.

This might be tricky for them to follow but it is more apparent this year since I have my normal salary, but the 13th month payout for 2015 as separate.
Difficult to second guess them from what I've read on the forum over the years! Perhaps you could ask them to base their calculations on the entire previous twelve months if that would give you a better number, but I don't think they're likely to agree to count the entire 13th month as simply part of your December salary given that it's normally based on your annual income.
What your 13th month will be in 2015 is irrelevant isn't it if you're unemployed?

FMF is a special case..... he seems to get away with pretty much anything!
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Old 01.03.2015, 20:41
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Re: RAV payments and 13th salary

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Difficult to second guess them from what I've read on the forum over the years! Perhaps you could ask them to base their calculations on the entire previous twelve months if that would give you a better number, but I don't think they're likely to agree to count the entire 13th month as simply part of your December salary given that it's normally based on your annual income.
What your 13th month will be in 2015 is irrelevant isn't it if you're unemployed?

FMF is a special case..... he seems to get away with pretty much anything!
Well, it would be better if they base my payout on the last 6 as I had a raise 5 months ago which is definitely worth something. And the 13th salary for 2015 does matter because it has been part of my last 2 payslips - "normal" salary plus 13th salary so it has added to it.

Yes, FMF does seem to live a good life! Something to aspire to.
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Old 01.03.2015, 21:02
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Re: RAV payments and 13th salary

Okay, I thought you meant what would have been the total amount of the 2015 13th month.

Hope they base it on the last six months then as living in Switzerland means you need every penny you can get.....

I suspect most of us aspire to FMF's lifestyle at times!!

Last edited by Anjela; 01.03.2015 at 21:03. Reason: Altered location.
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Old 01.03.2015, 22:52
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Re: RAV payments and 13th salary

Does anybody have an idea how the RAV would treat you if you had been on employers sickness insurance for 6 months out of the past 12? This is my case, although I'm back at 100 % there is a good chance of being given redundancy notice in the next couple of weeks. Thanks in advance.

Last edited by Rodica's children; 01.03.2015 at 23:13. Reason: Sense
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Old 05.03.2015, 12:40
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Re: RAV payments and 13th salary

It depends on whether you received the money as salary or Krankentaggeld. The latter has nothing to do with ALV insurance and is not taken into account when all (amount of days due to you, amount of money due per day) is calculated. I can give a more detailed explanation if needed.
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Old 08.03.2015, 11:36
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Re: RAV payments and 13th salary

Just in case anyone would like a follow-up...they do supposedly consider the 13th salary as part of one's overall salary for determining RAV (I did know this part).

However, they do not consider the entire 13th month salary but determine what one's 13th month salary is per month based on one's gross salary. Since I received a raise last year, they would NOT merely divide the 13th month into 12 equal parts, but would look at each month and then calculate it. They stated that this is only fair...which is true!
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Old 09.03.2015, 21:31
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Re: RAV payments and 13th salary

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It depends on whether you received the money as salary or Krankentaggeld. The latter has nothing to do with ALV insurance and is not taken into account when all (amount of days due to you, amount of money due per day) is calculated. I can give a more detailed explanation if needed.
Would like to have more details on this one. For example, if a person has been working for past 14months but has been on a sick leave for last 2 (which were mostly paid by insurance company and only 30% by employer meaning only 30% of normal UI / ALV was deducted), how would the RAV/amount of entitled unemployment money per day be calculated?
From the actual salary of last 12months, From ALV insurance payments from past 12 months or something different.
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Old 09.03.2015, 22:10
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Re: RAV payments and 13th salary

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Would like to have more details on this one. For example, if a person has been working for past 14months but has been on a sick leave for last 2 (which were mostly paid by insurance company and only 30% by employer meaning only 30% of normal UI / ALV was deducted), how would the RAV/amount of entitled unemployment money per day be calculated?
From the actual salary of last 12months, From ALV insurance payments from past 12 months or something different.
1) Below is the explanation of the general formula for the calculation of versicherte Verdienst - they take the average of your earnings for the last 6 months.

Leistungen:

Als Basis für die Auszahlung gilt der sogenannte versicherte Verdienst. Dieser wird von der Arbeitslosenkasse normalerweise aufgrund der Einkommen der letzten 6 Monate festgesetzt.
Aus dem versicherten Verdienst wird ein Taggeld berechnet, das je nach persönlichen Verhältnissen 70 oder 80% des versicherten Verdienstes beträgt.

Beispiel:

Versicherter Verdienst = CHF 4'500.--
Taggeld 80 % = CHF 165.90 = (CHF 4'500.-- : 21.7* x 80 %)
*21.7 = Durchschnitt Werktage pro Monat
Pro entschädigungsberechtigten Tag wird somit ein Bruttotaggeld von CHF 165.90 ausbezahlt.


2) However, only of those earnings from which deductions to ALV were made. So, in your case, if the deductions were made only from 30% of the monthly salary, only that amount will be considered for the purpose of calculation of Versicherter Verdienst.



I have a problem coming to the exact number in my own case. May have news when receive an answer from the person working on my file.
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Old 09.03.2015, 22:57
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Re: RAV payments and 13th salary

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1)

2) However, only of those earnings from which deductions to ALV were made. So, in your case, if the deductions were made only from 30% of the monthly salary, only that amount will be considered for the purpose of calculation of Versicherter Verdienst.

I have a problem coming to the exact number in my own case. May have news when receive an answer from the person working on my file.
Thank you, so if I understand correctly the entitled sum would be much lower because of the sick leave.
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