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Old 01.02.2011, 01:00
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Claiming for Extended Illness

Like many ex-pats i went home in August, and was ill very soon thereafter. i have been ill for almost 6 months, not receiving anythig from my Swiss company, as the company was not earning income whilst I was ill.
How can i proceed to claim, and against what body, for the past, present and likely for the next 2-4 months. I have not returned to Switzerlsnd yet and so have no file at RAV.
Before I was ill the company has a UVG policy, paid AHV, and I pay Krankenkasse.

Many thanks for all help
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Old 01.02.2011, 01:02
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Re: Claiming for Extended Illness

Get a lawyer!
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Old 01.02.2011, 01:47
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Re: Claiming for Extended Illness

I don't think you have told us the full story.

If you are employed your employer's insurance will pay you.

If you are self employed, your health insurance will pay you.
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Old 01.02.2011, 07:21
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Re: Claiming for Extended Illness

If you are regularly employed, your salary should not have been discontinued before (2 months)? of course, as long as you have warned your employer, and regularly provided a medical certificate. After that period, salary continuation is provided at 80% of your normal income (up to a roof), by the employer's insurance.
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Old 02.02.2011, 20:46
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Re: Claiming for Extended Illness

If employer insured also with Krankentaggeld insurance, then you get paid from them for the length of your illness, but up to some months (like 6 or so) and after that IV kicks in (Invalidenrente).
If there is no Krankentaggeldversiecherung, then standard waiting time is 1 month (contract can say different) and then employer is not obliged to pay when you do not work. Plus your contract can be terminated after 3 months of illness (unless your contract states otherwise). After that you can apply to RAV (and provide all the doctors notes I guess) untill IV starts.

Get well soon and good luck with the paperwork. I am not sure if there is any penalty for not informing in time. But surely nothing would be done without doctors notices (keep the originals in any case and give away only copies, as doctors notice is written for you, not for others).
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Old 02.02.2011, 21:13
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Re: Claiming for Extended Illness

You are not in Switzerland since being ill?

This will be a problem.

Tom
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Old 02.02.2011, 21:17
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Re: Claiming for Extended Illness

yes, this is what I was wondering. Surely you can't claim from abroad, without having properly informed your employer from the start and without doctor's certificates? Has somebody got the definite answer on this? Are in EU or not?
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Old 03.02.2011, 11:34
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Re: Claiming for Extended Illness

Thank you for the many replies. I am not in EU, and have been given the name of a lawyer who specialises in matters of this type. When I have a definitive answer from the lawyer (I know the fees may be quite high), i will then post a summary to this Thread.
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Old 03.02.2011, 12:07
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Re: Claiming for Extended Illness

I wish you the best of luck and a good recovery. The problem is, that there are people out there who might take advantage of a system that would pay benefits abroad without having the possibility of having proper medical reports from an appointed independent doctor, can you see that? I have no legal knowledge in this matter - but it seems really open to abuse by some unscrupulous people.
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Old 18.05.2011, 21:01
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Re: Claiming for Extended Illness

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If you are regularly employed, your salary should not have been discontinued before (2 months)? of course, as long as you have warned your employer, and regularly provided a medical certificate. After that period, salary continuation is provided at 80% of your normal income (up to a roof), by the employer's insurance.
so an employer can get their insurance to pay a sick employee? I did not know this. Much better than just sacking that employee!
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Old 18.05.2011, 22:14
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Re: Claiming for Extended Illness

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so an employer can get their insurance to pay a sick employee? I did not know this. Much better than just sacking that employee!
For the amount of time you were out, the employer's insurance probably already took over. That doesn't mean that it's in the employer's interest to keep you, though; that would result in higher premiums for the employer.
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