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Old 19.01.2017, 17:57
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Contract working as cleaning lady

Hello everyone

I live in Luzern, married, one small kid and have a B Permit, been in the CH for 4 years.
I would like to put some questions related to my situation, but first I will tell you something about my work experience path.

I worked as a Housekeeping in Hotels, always "season/temporary work", the last contract was finished in the end of October 2015, I went to RAV in November 2015, did a "beschäftigungs programm" till the end of my RAV in September 2016.
Since September 2016 I have been in Home with my little one and I will start in Februar 2017 working as a cleaning lady in privat homes, they will hire me.

Since September I pay my accident insurance (krankenkasse, something like 20 chf for month).

Lady Y wants that I work 3 hours a week
Lady X wants that I work 4,3 hours a week


so I have all this questions:

1. Since I will not work for "Gastgewerbe" what happens to my money that it's in "Hotela" kasse? Last Employer gave me a paper and told me that I should give it to the new Employer, when I find a new one, and if I don't, I should put it in one account with my name, in less of 2 years, or I will loose that money. (Is this real?), what happens know? because I'll work a few hours for different people, where can I go, or speak with whom, to see this question solved?

2. Which taxes should I pay?

3. Will I pay BVG taxes since I'm working just a few hours for different people? (I'm concerned about retirement, if I get there I hope! )

4. Am I entitled to receive "13er. Monat and/or Ferien"?

5. Considering that I'm working for 35.- hour what will be my Nettolohn?

6. If I get pregnant in the future, will I have the right to have payed maternity leave? will I loose my "jobs"?

thank you very much, any help will be good received.
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Old 19.01.2017, 21:03
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Re: Contract working as cleaning lady

"1. Since I will not work for "Gastgewerbe" what happens to my money that it's in "Hotela" kasse? Last Employer gave me a paper and told me that I should give it to the new Employer, when I find a new one, and if I don't, I should put it in one account with my name, in less of 2 years, or I will loose that money. (Is this real?)"

Normally, the former employer should instruct the pension fund where to transfer his/ her BVG pension funds, e.g., a Freizügigkeitskonto at a bank. If no instructions are given, the pension fund may transfer it to the BVG Auffangeinrichtung or possibly to a bank in your name. It will not be "lost".

http://www.chaeis.net/en/home.html

2. Which taxes should I pay?

3. Will I pay BVG taxes since I'm working just a few hours for different people? (I'm concerned about retirement, if I get there I hope! )

4. Am I entitled to receive "13er. Monat and/or Ferien"?

5. Considering that I'm working for 35.- hour what will be my Nettolohn?

6. If I get pregnant in the future, will I have the right to have payed maternity leave? will I loose my "jobs"?

Attached is a link to a Domestic Help brochure which should answer your questions 3., 4. and 6. Generally speaking, you should be considered an employee and not self-employed:

https://www.ahv-iv.ch/p/2.06.e
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Old 20.01.2017, 14:36
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Re: Contract working as cleaning lady

Thank you very much!!!!!
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Old 25.01.2017, 22:52
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Re: Contract working as cleaning lady

I Have another question

For 3 hours per week I have to deduct, in this case, per Hour (Stundenlohn)

Sozialversicherungen (AHV/IV/EO) 5,125%
Arbeitslosenversicherung (ALV) 1,100%
Quellensteuer 5,000%

no Holidays...the Employer told me that the amount of the Brutto Stundenlohn is including Holidays (can be?) so if he goes in Holidays I'll not work = no money and if I go in holidays no work=no money??

My "Employer" wants that I pay 50% from the Unfallversicherung (privat one, not from SUVA, it costs 100chf a year) in the paper that she sended me says that I have to pay (1 chf per hour) for the Insurance.
But I read in this document https://www.ahv-iv.ch/p/6.05.d that the Employer should pay it and I should pay the one that I'm paying since I was unemployed.

"Arbeitnehmende, deren wöchentliche Arbeitszeit bei einem Arbeitgeber nicht mindestens 8 Stunden beträgt, sind jedoch nur gegen Berufsunfälle und Berufskrankheiten, nicht aber gegen Nichtberufsunfälle versichert (Achtung: Unfalldeckung der Krankenversicherung nicht sistieren!). Dabei gelten Unfälle auf dem Arbeitsweg als Berufsunfälle."

did I understood correctly?

Thanks you for your help
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Old 30.01.2017, 15:45
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Re: Contract working as cleaning lady

Nobody to help me?
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Old 30.01.2017, 16:56
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Re: Contract working as cleaning lady

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I Have another question
no Holidays...the Employer told me that the amount of the Brutto Stundenlohn is including Holidays (can be?) so if he goes in Holidays I'll not work = no money and if I go in holidays no work=no money??
If you do not get paid holidays, there should be a 'ferienzuschlag' of 8.33% on your hourly brutto wage (if you are between 20 and 50 years old, otherwise it is more).

You and your employer share the AHV/IV/ALV contributions 50/50 - they take your share out of your brutto wage - there is a calculator for brutto/netto hourly wage here:

https://www.svazurich.ch/internet/de...gestellte.html

in the 'vereinfachtes abrechnungsverfahren' the employer is also responsible for deducing 5% taxes - you get a confirmation of how much is paid at the end of they year and can use it on your tax declaration.

Your employer should pay ALL of your occupational accident insurance (BU, berufsunfall). Employing houshold help myself I can recommend handling the accident insurance over quitt.ch. You pay 45CHF/year for an abo, but then the occupational insurance only costs 0.60% of the employees' wages.
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Old 30.01.2017, 18:12
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Re: Contract working as cleaning lady

My cleaning lady is employed by mamieexpress. There are many companies that employ cleaning ladies and - if you want to be employed - they take care of all those things.
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Old 16.03.2017, 12:51
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Re: Contract working as cleaning lady

What about Krankentaggeldversicherung?

They have made me a contract in which I pay these taxes:

Sozialversicherungen (AHV/IV/EO) 5,125%
Arbeitslosenversicherung (ALV) 1,100%
Quellensteuer 5,000%


I noticed that I have no KTG in my "taxes"
1. what happens if I get sick?
2. or my little one gets sick and I need to stay at home?
3. or if I get pregnant in the future ( because it's impossible to work to the end of pregnancy)?

am I entitled to receive the salary in those days? No, right? but I'm working...and paying taxes, like a regular employee.

4.What can I do to have a Krankentaggeldversicherung? can I made on by myself?
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Old 16.03.2017, 14:23
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Re: Contract working as cleaning lady

Only the quellensteuer is a tax (you can correct the amount on your yearly tax declaration), the others are social insurances. If you read some German all the info you need is here:

https://www.unia.ch/uploads/media/Br...bruf_dt_A6.pdf

Page 13 explains that your employer will have to pay you full salary for 3 weeks in the first year that you work with them when you get sick. They are not obliged to get a KTG insurance for you. Yes you can get a private one.

You will get 80% of your average salary during 14 weeks after you have the baby, but this will be paid from the social insurances, not your employer. Have a look at the links on the bottom in English:

https://www.svazurich.ch/internet/de...g.showall.html

If you cannot work before you have the baby you will have to go on sick leave.

Last edited by mgosia; 16.03.2017 at 14:35.
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Old 16.03.2017, 15:14
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Re: Contract working as cleaning lady

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Page 13 explains that your employer will have to pay you full salary for 3 weeks in the first year that you work with them when you get sick. They are not obliged to get a KTG insurance for you. Yes you can get a private one.
Thanks for the information, so that means, if I get sick in the day that I have to clean, lets say, 4 hours, my employer is obligated to pay me that hours?
if she doesn't want to make a Krankentaggeldversicherung it's her problem? she has to pay my sick day by herself?
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Old 16.03.2017, 15:28
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Re: Contract working as cleaning lady

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Page 13 explains that your employer will have to pay you full salary for 3 weeks in the first year that you work with them when you get sick. They are not obliged to get a KTG insurance for you. Yes you can get a private one.
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Thanks for the information, so that means, if I get sick in the day that I have to clean, lets say, 4 hours, my employer is obligated to pay me that hours?
For 3 weeks, after that it is your KTG insurance that would kick in
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