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Old 17.03.2015, 14:15
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Claiming unemployment for just 1 month, is it worth doing the paperwork?

Hi everyone,

I got fired at the end of my maternity leave and signed up with the RAV as soon as possible.
My notice period ended last month (February was my last pay-check) but I had already been with RAV 2 months filling in the 10-12 applications, german test etc... as I knew during my maternity leave that my contract would be ended.

Now the envelope for the unemployment payment office (UNIA) is ready on the table to be sent (LOTS of paperwork that took me a couple weeks to prepare)... but I got a job offer yesterday. Is it worth sending it? Would they pay for just 1 month??

Thanks for your insight.
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Old 17.03.2015, 14:17
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

No idea but congrats on the new job!
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Old 17.03.2015, 14:27
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

Hehe Thanks!
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Old 17.03.2015, 14:30
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

Had a similar situation years ago. If you have a signed contract then honestly, I wouldn't bother.
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Old 17.03.2015, 15:06
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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Is it worth sending it? Would they pay for just 1 month??
Yes and yes.

Yes, because you would be missing out on roughly 20 days of benefits (about 70% of your last job's gross monthly income) - probably at least CHF 3000 or more (minimum wage at 100% employment with no "waiting time" ("Wartezeit") assumed).

Yes, because RAV will contribute to your AHV, increasing your old age pension (by a fraction).

Yes, possibly, because the accident insurance of your previous job continues to cover you for exactly 30 days (and not, possibly the 31st day - obviously this depends on your exact duration of unemployment)
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Old 17.03.2015, 15:10
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

I've never claimed RAV, but to me it would depend on how much I was getting paid. Let's say you made the usual EF salary of 120K per annum, that's a monthly rate of 9230 and change (assuming 13 payments). Take 70% of that and you get 6461. Nothing to sneeze at, and you've already completed the paperwork. Even if you only made half of the EF usual you'd still be looking at about 3K. For me, my time already spent is worth that!
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Old 17.03.2015, 15:40
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

The first month you only get a certain amount of day money depending on your previous whole years earnings. So anything in the average EF member salary of the magical 120k means you have minus 15 tagegelder so in the end you will only get 5-6 days worth of money depending on month. still its free money but depends.
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Old 17.03.2015, 16:03
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

If you come to renew a residence permit, and at that time aren't working, but are financially independent, I think this counts against you.

Bit of a corner case, but worth bearing in mind.
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Old 18.03.2015, 08:28
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

It's not a lot of money as I was working 40% and I'm by far not on 120k per year.

However, I was more wondering if it would be a bad point to claim now, I mean is it like insurance where if you claim once, the next time you have to wait longer for the unemployment pay or try harder to get a new a job (20 applications/month??) or something...? Is there some sort of penalty because you've already claimed unemployment money previously?

Also, any source on how many days are paid the first month? Papasmurf mentions -15 Tagesgeld... So If I worked only 2days/week... that's more or less 8days/month, that's no Tagesgeld left at all...?

Thanks again.
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Old 18.03.2015, 09:13
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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I've never claimed RAV, but to me it would depend on how much I was getting paid. Let's say you made the usual EF salary of 120K per annum, that's a monthly rate of 9230 and change (assuming 13 payments). Take 70% of that and you get 6461. Nothing to sneeze at, and you've already completed the paperwork. Even if you only made half of the EF usual you'd still be looking at about 3K. For me, my time already spent is worth that!
Your forgetting about waiting periods, with 126k or above its 20 days waiting period, the 13th month salary is a red herring, salary is 10k a month

With a lower salary or if the OP had children then it would be worth claiming.
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Old 18.03.2015, 09:21
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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If the OP had children then it would be worth claiming.
Since she's currently on maternity leave I think that's a given.
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Old 18.03.2015, 09:40
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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It's not a lot of money as I was working 40% and I'm by far not on 120k per year.
It is not relevant how much you worked. Relevant is how much you claim to be wishing to work - i.e. 100% etc. Obviously this will have to be convincing.

There is no limit to the frequency of claiming RAV, no penalty for doing so.

Wartezeit ("Wartetage") completely depends on your personal circumstances. Please undress yourself, provide total compensation received, credit card details, complete communication with your employer on why you were let go - and then some non-qualified guesses could be made by those nosy folks here. Or just talk to the RAV who may actually not bite and be rather competent in providing this information

If you cannot be bothered to talk to the RAV, then it is best to simply drop this whole conversation.
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Old 18.03.2015, 09:48
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

You should claim as you have done most of the work. HR and job offers go pear shaped all the time, touch wood it does not happen to you but if it does you are not facing more delays.
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Old 18.03.2015, 09:56
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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Since she's currently on maternity leave I think that's a given.
So why was 3wishes talking about 70% ?

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It is not relevant how much you worked. Relevant is how much you claim to be wishing to work - i.e. 100% etc. Obviously this will have to be convincing.
.
An unusual spin as RAV benefits are based on earnings in the last 6 months of working, so only working 40% will have a huge impact on benefits payable in most cases.
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Old 18.03.2015, 10:08
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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Now the envelope for the unemployment payment office (UNIA) is ready on the table to be sent (LOTS of paperwork that took me a couple weeks to prepare)... but I got a job offer yesterday. Is it worth sending it? Would they pay for just 1 month??
It does not matter, send it anyway. The Swiss being the Swiss it will come back to haunt you some time later....
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Old 18.03.2015, 10:18
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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So why was 3wishes talking about 70% ?
No idea.

If I were the OP I would send all the paperwork off anyway since it's already completed. She's got nothing to lose and may end up with a bit of cash for her efforts.

Last edited by Belgianmum; 18.03.2015 at 10:34.
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Old 18.03.2015, 10:34
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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No idea.

If I were the OP I would send all the paperwork off anyway since it's already completed. She's got nothing to lose and may end up with a bit of cash for her efforts.
Not necessarily good advise & potentially lots to loose, by claiming a rahmenfrist is opened, if the OP's new job pays more & subsequently becomes unemployed, benefits are payable on the old salary & the rahmenfrist is 2 years from the date it's opened. As the past job was 40% this is important, if the new job lasted 11 months there would only be 12 months of benefit payable. ( 1 month claimed 11 months job & 12 months of rahembfrist )
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Old 18.03.2015, 11:01
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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With a lower salary or if the OP had children then it would be worth claiming.
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Not necessarily good advise & potentially lots to loose, by claiming a rahmenfrist is opened, if the OP's new job pays more & subsequently becomes unemployed, benefits are payable on the old salary & the rahmenfrist is 2 years from the date it's opened. As the past job was 40% this is important, if the new job lasted 11 months there would only be 12 months of benefit payable. ( 1 month claimed 11 months job & 12 months of rahembfrist )
You're contradicting yourself here. First you say it's worth claiming if she has a low salary and children and then you say it might not. You're being very confusing.

I think what you're saying is if the new job pays more than the old one or has longer hours then it's not worth claiming in case she loses her job within the next two years. It all boils down to what the new job is I guess. I based my comment on the new job being equivalent to the old one.
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Old 18.03.2015, 11:12
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

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You're contradicting yourself here. First you say it's worth claiming if she has a low salary and children and then you say it might not. You're being very confusing.

I think what you're saying is if the new job pays more than the old one or has longer hours then it's not worth claiming in case she loses her job within the next two years. It all boils down to what the new job is I guess. I based my comment on the new job being equivalent to the old one.
I thought about it a bit more, it's not as straightforward as it seems, it's the consequences of claiming. ( same is often true with any insurance....... )

The length of future claim will be reduced if the salary is the same.

I would not claim in the circumstance myself for the reasons outlined in my second post.

Last edited by fatmanfilms; 18.03.2015 at 11:34. Reason: Removed the words risk of
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Old 18.03.2015, 11:57
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Re: Claiming unemployment for just 1 month, is it worth doing the paperwork?

So if I understand it correctly the only situation in which it would be worth the OP putting in her claim now for the one month would be if the new job is shorter (or the same) hours and lower pay.
Anything else would mean she'd run the risk of reducing her benefits in the future if she were to lose her job again within the next two years.
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