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Old 12.01.2015, 15:09
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Taking sick leave right before a contract ends or while on RAV

Does anyone know what happens when one must take "sick leave" right before a contract ends or while on RAV? I have read that RAV no longer pays you, but then who does and how much might that be? And what if the condition is pre-existing, might that change things? I have searched the forum, but I could not find anything that answered these questions.

My contract is terminating at the end of this month, so I will start on RAV in February.

I would like to know how "sick leave" works in my situation - either needing to take sick leave before my contract terminates or afterwards when I am on RAV. If it occurs before my contract terminates, does an employer extend the termination of the contract??

RAV will be my only source of income after this month, and if that gets taken away in case of illness, I will up s%$#'s creek without a paddle!

Thanks so much.
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Old 12.01.2015, 16:33
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Re: Taking sick leave right before a contract ends or while on RAV

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Does anyone know what happens when one must take "sick leave" right before a contract ends or while on RAV? I have read that RAV no longer pays you, but then who does and how much might that be? And what if the condition is pre-existing, might that change things? I have searched the forum, but I could not find anything that answered these questions.

My contract is terminating at the end of this month, so I will start on RAV in February.

I would like to know how "sick leave" works in my situation - either needing to take sick leave before my contract terminates or afterwards when I am on RAV. If it occurs before my contract terminates, does an employer extend the termination of the contract??

RAV will be my only source of income after this month, and if that gets taken away in case of illness, I will up s%$#'s creek without a paddle!

Thanks so much.
If you are sick, you are sick and can provide a doctors' note that would stand up to scrtinisation by another doctor.

Yoiu are very fortunate being able to predict with such accuracy when you are going to be sick, i can only do this with a varying degree of accuracy for Saturday night/Sunday morning pavement pizza.

If you are genuinely sick, RAV still pays
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Old 12.01.2015, 17:18
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Re: Taking sick leave right before a contract ends or while on RAV

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If you are sick, you are sick and can provide a doctors' note that would stand up to scrtinisation by another doctor.

Yoiu are very fortunate being able to predict with such accuracy when you are going to be sick, i can only do this with a varying degree of accuracy for Saturday night/Sunday morning pavement pizza.

If you are genuinely sick, RAV still pays
Really? I read that if you cannot work, RAV will not pay.

I am not talking about a day or two here or there. I mean extensive sick leave - like maybe a few months. I think I am okay, but I have concerns about a health issue and would like to be as informed as possible...just in case.
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Old 12.01.2015, 17:40
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Re: Taking sick leave right before a contract ends or while on RAV

Do you live in Ticino?

Do you know anything about how RAV/ALK system works?
The ALK will pay you 70% of your salary up to 30 days if you get sick or have an accident.

You sound like you might need this Krankentaggeldversicherung (your own). It is expensive.
https://fr.comparis.ch/krankenkassen...entaggeld.aspx
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Old 12.01.2015, 17:40
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Re: Taking sick leave right before a contract ends or while on RAV

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Really? I read that if you cannot work, RAV will not pay.

I am not talking about a day or two here or there. I mean extensive sick leave - like maybe a few months. I think I am okay, but I have concerns about a health issue and would like to be as informed as possible...just in case.
Exactly the same if you work, the employer (RAV in your case) pays first 30 days (?) then insurance kicks in.
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Old 12.01.2015, 17:50
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Re: Taking sick leave right before a contract ends or while on RAV

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Really? I read that if you cannot work, RAV will not pay.

I am not talking about a day or two here or there. I mean extensive sick leave - like maybe a few months. I think I am okay, but I have concerns about a health issue and would like to be as informed as possible...just in case.
You can't start off at the RAV if your ill, you have to be looking for a job & fit to work.
You can be ill Upto 6 weeks in total & 4 weeks in a row when unemployed.

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Exactly the same if you work, the employer (RAV in your case) pays first 30 days (?) then insurance kicks in.
Very few people have long term sickness insurance, if you do it probably does not kick in for 3-6 months.
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Old 12.01.2015, 17:52
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Re: Taking sick leave right before a contract ends or while on RAV

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Do you live in Ticino?

Do you know anything about how RAV/ALK system works?
The ALK will pay you 70% of your salary up to 30 days if you get sick or have an accident.

You sound like you might need this Krankentaggeldversicherung (your own). It is expensive.
https://fr.comparis.ch/krankenkassen...entaggeld.aspx
I know a little of how RAV works as I will be getting it soon. But after 30 days, insurance pays. Okay, so is this insurance that I need already on my own (like the one you mentioned above?) or something that is included in RAV or from my soon-to-be former employer? Getting 70% of my current salary is okay for a while. But not 0%, 30% or 50%.

Any chance you could explain how the insurance works?

Many thanks.
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Old 12.01.2015, 18:01
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Re: Taking sick leave right before a contract ends or while on RAV

In case anyone reading is confused, here is OP's previous thread to provide some context (info on the current job, etc.):

Expected to continue working after being fired / time off for job interviews
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Old 12.01.2015, 18:01
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Exactly the same if you work, the employer (RAV in your case) pays first 30 days (?) then insurance kicks in.
Man, you don't know what you're talking about. This is true only for event of an accident. And even then, there are certain details, which one should know.

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Very few people have long term sickness insurance, if you do it probably does not kick in for 3-6 months.
This is not true. It depends on the contract. Think of it, what sense does make to conclude a contract where the payout begins only after 3-6 months? Under my policy, the payout would begin after 60 days (they sent me 3 offers: 15, 30 and 60 days, the latter being obviously being the cheapest). I.e. if I get seriously ill during the time I am looking for a job, RAV pays 30 days, 30 days fall out, then the insurance starts paying. Knock on wood, I hope I never need this, find a new job soon and can cancel the contract.

Last edited by 3Wishes; 12.01.2015 at 21:35. Reason: merging successive posts
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Old 12.01.2015, 18:15
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Re: Taking sick leave right before a contract ends or while on RAV

The bar is high together on IV.

If you're written off sick during the notice period, it should be extended.

You have been paying insurance for this while working.
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Old 12.01.2015, 18:19
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Re: Taking sick leave right before a contract ends or while on RAV

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This is not true. It depends on the contract. Think of it, what sense does make to conclude a contract where the payout begins only after 3-6 months? Under my policy, the payout would begin after 60 days (they sent me 3 offers: 15, 30 and 60 days, the latter being obviously being the cheapest). I.e. if I get seriously ill during the time I am looking for a job, RAV pays 30 days, 30 days fall out, then the insurance starts paying. Knock on wood, I hope I never need this, find a new job soon and can cancel the contract.
Well a 30 year old could be ill for 35 years before before getting a pension, so 3 to 6 months wait is nothing in the grand scheme of things. I have a policy taken out aged 21 with 3 months waiting period. Annual premium is rather less than 1 months health insurance in CH with 2500 excess.

Out of interest how much are you paying for this 'peace of mind'

Of course I retired at 52, can't take my UK pension till 55 or Swiss one till 60. Having far too much fun skiing to pull a sicky
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Old 12.01.2015, 18:25
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Re: Taking sick leave right before a contract ends or while on RAV

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Of course I retired at 52, can't take my UK pension till 55 or Swiss one till 60. Having far too much fun skiing to pull a sicky
You've retired?

You've kept that one quiet
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Old 12.01.2015, 18:43
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Re: Taking sick leave right before a contract ends or while on RAV

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You've retired?

You've kept that one quiet
He also makes it a point to occasionally rub it in He is thus breeding the next generation of retirees who will also occasionally drop such remarks so the youngins feel sufficiently depressed.

I can't wait until I can finally send posts like: "Yeah you can be bent over the barrel by today's job market, but of course, me being retired, I can just alternate between fapping and skiing until all my appendages are sore."



Ninja edit: oh god I missed the sarcasm! I've brought shame on my family!
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Old 12.01.2015, 18:48
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Mr. Connery, KTG (I hope) is up for discussion, not IV.

Mr. fatmanfilms, (1) the insurance company pays out only up to 720 days and even that with strings attached; (2) I am paying 4,9% (p.a.) of my former yearly gross income - as I took the police over from my employer the premiums are tied to it. I understand any employee can do it during 3 months after the termination of the employment relationship, provided that the employer has KTG insurance of course.

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I know a little of how RAV works as I will be getting it soon. But after 30 days, insurance pays. Okay, so is this insurance that I need already on my own (like the one you mentioned above?) or something that is included in RAV or from my soon-to-be former employer? Getting 70% of my current salary is okay for a while. But not 0%, 30% or 50%.

Any chance you could explain how the insurance works?

Many thanks.
If I were you, I'd make it my priority to learn exactly how the system works. It's not like you just have to show up to collect a check once a month.

Under a KTG insurance police, the insurer starts (after a certain grace period) paying a certain percentage (70-80%) of your salary in the event that you fall ill or have an accident.

http://www.bsv.admin.ch/kmu/ratgeber...x.html?lang=fr

Last edited by 3Wishes; 12.01.2015 at 19:02. Reason: merging successive posts
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Old 12.01.2015, 19:40
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Re: Taking sick leave right before a contract ends or while on RAV

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Mr. Connery, KTG (I hope) is up for discussion, not IV.

Mr. fatmanfilms, (1) the insurance company pays out only up to 720 days and even that with strings attached; (2) I am paying 4,9% (p.a.) of my former yearly gross income - as I took the police over from my employer the premiums are tied to it. I understand any employee can do it during 3 months after the termination of the employment relationship, provided that the employer has KTG insurance of course.



If I were you, I'd make it my priority to learn exactly how the system works. It's not like you just have to show up to collect a check once a month.

Under a KTG insurance police, the insurer starts (after a certain grace period) paying a certain percentage (70-80%) of your salary in the event that you fall ill or have an accident.

http://www.bsv.admin.ch/kmu/ratgeber...x.html?lang=fr
I would rather have an affordable insurance with a 90 day wait that will pay until retirement, than one which pays out in 30 days but stops 2 years later. Each to his own I suppose.
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You've retired?

You've kept that one quiet
I did turn down a days work in London today, had I realised how much glacier ice would have been showing through today I would have probably done the work
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Old 12.01.2015, 20:02
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Re: Taking sick leave right before a contract ends or while on RAV

Which do you have?

Tom
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Old 12.01.2015, 20:12
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Re: Taking sick leave right before a contract ends or while on RAV

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Which do you have?

Tom
www.unum.co.uk took over my original policy.
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Old 12.01.2015, 20:24
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Re: Taking sick leave right before a contract ends or while on RAV

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www.unum.co.uk took over my original policy.
Interesting. As it is a British company, they might not be keen to work with expats like me in CH. Could always ask, though...
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Old 12.01.2015, 20:26
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Re: Taking sick leave right before a contract ends or while on RAV

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Interesting. As it is a British company, they might not be keen to work with expats like me in CH. Could always ask, though...
Had my policy for 30 years, I just kept paying the premium.
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Old 12.01.2015, 20:28
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Re: Taking sick leave right before a contract ends or while on RAV

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Had my policy for 30 years, I just kept paying the premium.
I don't ski (BIG SIGH), but I am envious of your lifestyle freedom. Good going. Really. That is the way life should be.
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