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Old 14.07.2018, 10:06
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Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

Hi All,

There are multiple threads on this topic, and I have multiple questions arising from those. I am posing all my questions here, hoping to gain some clarity on this. Requesting fellow members to correct my erroneous conclusions and clarify doubts.

My situation is - Employed full time since August 2010, two dependent children

Calculation :
Average monthly income of last SIX MONTHS (or one year, whichever is higher)
  • of which 80% ('cause dependendent kids)
  • divided by 20.7 (average days per month)
  • = my DAILY ALLOWANCE

I am eligible for a total of 400 'daily allowances' (in view of the length my contribution)

Taxes
In my tax declaration, I will fill up the total amount received into my bank account as 'income' .
But, how do I treat other Reimbursements (Language courses, bus pass etc) that I may be given, PLUS Allowances (food while on full day training / courses) that I may receive ?

Contributions
Old Age Insurance (AVS / AHV) & Invalidity Insurance (AI/IV) & Income Compensation Allowances (APG/ EO) : Regular contributions are automatically deducted from my daily allowance - so far so good.

Occupational benefit plans (LPP/BV) : I fill up yet another form asking to be exempted from this. Thus I will not be paying these till I'm unemployed. However, what happens to my contributions (the savings part) thus far?

Also, there are numerous mentions of 'Penalty' deductions in other threads, what exactly is this?


Thanks in advance for all your replies and (serious) comments.
Bonne weekend!

sva
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Old 14.07.2018, 10:27
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

Tax declaration: in early 2019 your Kasse will send you a certificate listing the gross amount minus deductions and a taxable amount paid to you for unemployment compensation. The taxable amount is what you put on your tax return.
- This certificate is to be included with your tax filing.

For information on what will be included in the taxable amount, see this link:

https://www.zg.ch/behoerden/finanzdi...entschaedigung
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Old 14.07.2018, 11:02
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

Thanks, Mullhollander,
The (translated) page on your links gives this:
  • Training, induction grants (Ausbildungs-, Einarbeitungszuschüsse) - taxed 100%
  • training costs (Ausbildungskosten) - Tax Free
  • unemployment benefits (Arbeitslosenhilfe) - Tax Free

So, how does one differentiate between Training GRANTS and training COSTS?
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Old 14.07.2018, 12:09
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

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Thanks, Mullhollander,
The (translated) page on your links gives this:
  • Training, induction grants (Ausbildungs-, Einarbeitungszuschüsse) - taxed 100%
  • training costs (Ausbildungskosten) - Tax Free
  • unemployment benefits (Arbeitslosenhilfe) - Tax Free

So, how does one differentiate between Training GRANTS and training COSTS?
Unemployment pas is fully taxable.

Just make normal deductions as working, a fixed amount or actual costs. I always deducted lunch for 240 days but then I did do a lot of work when unemployed. My pillar 2 payments were higher as my original employer only paid on min salary as allowed by law.
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Old 14.07.2018, 12:29
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

They will send you a form similar to that an employer sends, nothing more to do.

Tom
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Old 14.07.2018, 13:39
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

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They will send you a form similar to that an employer sends, nothing more to do.

Tom
I was my past employer, and never sent myself this form - so i've no idea
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Old 14.07.2018, 18:09
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

Penalty is like resigning from a job without securing a new job, if it is without any valid reasons then it can go up to 3 months penalty, if there are valid reasons/proofs/elements it could be one month unpaid for example. the caisse de chomage will determine on their own what is considered valid.
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Old 14.07.2018, 18:17
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

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Penalty is like resigning from a job without securing a new job, if it is without any valid reasons then it can go up to 3 months penalty, if there are valid reasons/proofs/elements it could be one month unpaid for example. the caisse de chomage will determine on their own what is considered valid.
So, one is penalised if one resigns - the extent depending on the circumstances, but not if one is 'let go' for whatever reason?

Also, is there some kind of penalty for minor breach of chomage rules - f.ex. applying for less than the minimum number of jobs for a particular (exceptional) month?
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Old 14.07.2018, 18:25
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

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So, one is penalised if one resigns - the extent depending on the circumstances, but not if one is 'let go' for whatever reason?

Also, is there some kind of penalty for minor breach of chomage rules - f.ex. applying for less than the minimum number of jobs for a particular (exceptional) month?
If you don't follow the rules, don't expect any money. They are your employer whilst unemployed. Depending on salary you may not get paid anything for the first month before any punishment days.
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Old 14.07.2018, 18:35
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

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If you don't follow the rules, don't expect any money. They are your employer whilst unemployed. Depending on salary you may not get paid anything for the first month before any punishment days.
Sorry, but i really am not clear on this. So, I break ONE rule, and i dont get ANY money? Or is there some sort of proportional relationship. Also, I thought the 1 month waiting WAS the punishment days..
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Old 17.07.2018, 22:14
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

Penalties are if you don't do enough for your job search or don't follow the rules.

What happens? - they don't pay you! It may be 1 day, or more...
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Old 17.07.2018, 22:49
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

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Sorry, but i really am not clear on this. So, I break ONE rule, and i dont get ANY money? Or is there some sort of proportional relationship. Also, I thought the 1 month waiting WAS the punishment days..
Depends on your income, and number of children as well.

High income, no kids (married or not), 20 days.

Not enough job searches after your loss of job, another 5-10.

Tom
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Old 18.07.2018, 08:52
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

These links to RAV information in English should assist you in understanding RAV processes:

"Essential Information for RAV Clients":

https://www.awa.sg.ch/home/arbeitslo...8_englisch.pdf


Two online courses, "Rights & Obligations" and "Benefits & Time Limits", are at this link:

https://awa.zh.ch/internet/volkswirt.../englisch.html
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Old 18.07.2018, 09:39
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Re: Unemployment Allowance - Calculation, Taxes, Contributions & Deductions

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Penalties are if you don't do enough for your job search or don't follow the rules.

What happens? - they don't pay you! It may be 1 day, or more...
Quote:
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Depends on your income, and number of children as well.

High income, no kids (married or not), 20 days.

Not enough job searches after your loss of job, another 5-10.

Tom
So, from what i understand, there are two penalties:
1. As soon as you lose your job - a certain number of minimum days
2. During the job search, for breach of rules
and the extent of the penalty is at the discretion of the Counsellor? (apart from my family / income circumstances)
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