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Old 15.03.2020, 10:33
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RAV Unemployment Benefit

I've just been given my notice; last working day is 30 June.
As I've worked for the same company for over 15 years, I will be given a significant redundancy payment.
How will this affect any benefits I receive from the RAV?

Can anyone recommend an adviser who can advise on RAV benefits & pensions (early retirement is one option I'm considering).

Thanks for any answers
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Old 15.03.2020, 10:56
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Re: RAV Unemployment Benefit

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I've just been given my notice; last working day is 30 June.
As I've worked for the same company for over 15 years, I will be given a significant redundancy payment.
How will this affect any benefits I receive from the RAV?
It won't.

Unless they were to include your redundancy payment as part of your salary (but I don't think they can) in which case it might increase your total earnings, on which your payments are based, if they were previously below the maximum threshold.

But there's no way the payment could decrease or delay RAV benefits, which I guess is what you're concerned about.
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Old 15.03.2020, 11:31
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Re: RAV Unemployment Benefit

A voluntary severance payment of up to CHF 148'200 has no influence on the ability to register and collect unemployment compensation. Payments in excess of this threshold are to be viewed as wages which will delay eligibility for unemployment compensation. See this Beobachter article for more details (German):

https://www.beobachter.ch/arbeit/arb...igung-stempeln

To learn more about RAV, it might be worthwhile to take an elearning course available at this link in multiple languages:

https://awa.zh.ch/internet/volkswirt...formation.html

Translations of key RAV documents are at this link:

https://www.englishforum.ch/employme...ranslated.html

On a side note, RAV and Kasse Ct. Zurich offices are closed for visits due to the virus. They continue to work via telephone and email according to Friday's NZZ:

https://www.nzz.ch/zuerich/coronavir...men-ld.1546294
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Old 15.03.2020, 13:32
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Re: RAV Unemployment Benefit

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I've just been given my notice; last working day is 30 June.
As I've worked for the same company for over 15 years, I will be given a significant redundancy payment.
How will this affect any benefits I receive from the RAV?

Can anyone recommend an adviser who can advise on RAV benefits & pensions (early retirement is one option I'm considering).

Thanks for any answers
Do not consider early retirement until after you have consumed all your unemployment benefits. I can’t remember the figures but you have about 2 years and bit at 70% or 80% of the insured salary before you need to consider that. And there is always the possibility of a few temp jobs extending the period.
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Old 15.03.2020, 13:42
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Re: RAV Unemployment Benefit

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Do not consider early retirement until after you have consumed all your unemployment benefits. I canít remember the figures but you have about 2 years and bit at 70% or 80% of the insured salary before you need to consider that. And there is always the possibility of a few temp jobs extending the period.
It's based on number of working days, 400 if you're over 50, IIRC, but within a maximum of 2 years elapsed time.

But having been in this situation I'd advise the opposite to what you're saying. Two years of having to stupidly apply for jobs you neither will get nor really want, and inability to just get on with things that you want to do. I was even restrained from going off on ski instructor training camps, that sort of thing, as it wasn't considered relevant and it would make me unavailable for work.

Two years of being shackled isn't worth the pain - if you're actually thinking of early retirement make it easy on yourself and do it sooner rather than later.
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Old 15.03.2020, 17:47
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Re: RAV Unemployment Benefit

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It's based on number of working days, 400 if you're over 50, IIRC, but within a maximum of 2 years elapsed time.

But having been in this situation I'd advise the opposite to what you're saying. Two years of having to stupidly apply for jobs you neither will get nor really want, and inability to just get on with things that you want to do. I was even restrained from going off on ski instructor training camps, that sort of thing, as it wasn't considered relevant and it would make me unavailable for work.

Two years of being shackled isn't worth the pain - if you're actually thinking of early retirement make it easy on yourself and do it sooner rather than later.
Well first of all given that the OP has been terminated, I assume early retirement means living of savings until pension age and then just access to the accumulated amount on the pension savings account, plus maybe early access to the state old age pension at a reduced rate.

Also, from my records I see that since I was over 55, the number of days was actual 520 days.

In my case my benefits will run out next month, clearly at my age there was no chance of a permanent new job, but I did manage to find a few temp jobs along the way. The only RAV reuirements I have is 4 job applications per month and rock up for a meeting with the advisor once every two months or so and the meeting takes about 10 mins or so, because there is nothing to discuss. I don't find that much of a burden in order to collect 80% of my former salary.
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Old 15.03.2020, 17:57
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Re: RAV Unemployment Benefit

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But having been in this situation I'd advise the opposite to what you're saying. Two years of having to stupidly apply for jobs you neither will get nor really want, and inability to just get on with things that you want to do.....

Two years of being shackled isn't worth the pain - if you're actually thinking of early retirement make it easy on yourself and do it sooner rather than later.
Unless you're independently wealthy, this is extraordinarily bad advice. Applying for a handful of jobs every month is surely well worth the 70 - 80% of your salary the RAV will pay you. The fact that no one will actually offer me a job is not a disincentive. Some might say the opposite, though of course I personally take this duty very seriously, and live in constant hope that I may once again be allowed to relive the exciting daily cut-and-thrust of the corporate world I had to leave behind.
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Old 15.03.2020, 18:53
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Re: RAV Unemployment Benefit

as a 52 year old bricklayer, i was laid off when the small company i worked for was bought out by a very big company, we were all on swiss wages(9 of us)5500/7500,chf we were replaced by spanish bau hilferarbeirters, basically un recognised bricklayers(papers not recognised)on 3800/4000 chf
i was told by all that at my age a permanant job was never going to happen, well it did and i was on the rav for 2 months, it was more of a hinderance to getting a job, than a help, the form filling took up a piece of my day ,every day, however,what is important, along with the 4400 i got, was the fact that you are still insured against accidents, if you are on the rav, incidentally,i made better wages in the uk, i am only her for love
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Old 15.03.2020, 18:56
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Re: RAV Unemployment Benefit

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however,what is important, along with the 4400 i got, was the fact that you are still insured against accidents,
Is that correct? Always heard you need to get accident insurance because you are no longer covered by your employers insurance.
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Old 15.03.2020, 19:12
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Re: RAV Unemployment Benefit

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Is that correct? Always heard you need to get accident insurance because you are no longer covered by your employers insurance.
No, RAV (or more accurately the Arbeitslosenkasse) is in effect your employer, so they provide the Accident cover. Just as they also make statutory deductions for AVS etc.
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Old 15.03.2020, 19:23
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Re: RAV Unemployment Benefit

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Two years of being shackled isn't worth the pain - if you're actually thinking of early retirement make it easy on yourself and do it sooner rather than later.
Unless you're independently wealthy, this is extraordinarily bad advice.
I'm only passing on what I felt from my own experience. At 50-something, thinking about early retirement, with a redundancy package, the OP can quite likely afford to live without the income, but of course it won't always be the case.

The down side, for me. was that I spent two years doing nothing really productive. neither feeling retired nor employed and useful, unable to move on with my life. If you have no intention/desire/possibility to get back into your chosen career, the on-hold nature of that time can be very destructive, as it certainly was for me.

Had I not been on RAV it's quite likely that I would have retrained and done some work on an unpaid basis to get experience, and maybe moved on with working life, at least ad interim. But they were a massive hinderence to me, both physically and mentally, IYSWIM. So if I had my time again I wouldn't go through the pain.

(There are lots of specific reasons that it was more of a pain for me than it might be for some other people, including but not limited to geographic factors, meaning that I had to drive a four-hour round trip for each appointment, for example, and almost as much for the language courses they put me on.)
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Old 15.03.2020, 19:47
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Re: RAV Unemployment Benefit

I think there's probably a difference, too, in how that feels, depending on whether one is aged 51 or 59.
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Old 15.03.2020, 20:51
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Re: RAV Unemployment Benefit

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A voluntary severance payment of up to CHF 148'200 has no influence on the ability to register and collect unemployment compensation. Payments in excess of this threshold are to be viewed as wages which will delay eligibility for unemployment compensation. See this Beobachter article for more details (German):

https://www.beobachter.ch/arbeit/arb...igung-stempeln

To learn more about RAV, it might be worthwhile to take an elearning course available at this link in multiple languages:

https://awa.zh.ch/internet/volkswirt...formation.html

Translations of key RAV documents are at this link:

https://www.englishforum.ch/employme...ranslated.html

On a side note, RAV and Kasse Ct. Zurich offices are closed for visits due to the virus. They continue to work via telephone and email according to Friday's NZZ:

https://www.nzz.ch/zuerich/coronavir...men-ld.1546294
Hi one related point: rav go by the rules above, bear in mind though your redundancy payment is taxable as income therefore for example if you earn 150 and get a redundancy of 150 you will get full rav as your 150 redundancy does not count as extra earnings, however your yearly taxable income is 300k.
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Old 15.03.2020, 21:02
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Re: RAV Unemployment Benefit

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Is that correct? Always heard you need to get accident insurance because you are no longer covered by your employers insurance.
Yes it is correct and furthermore it counts for the state pension.
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Old 15.03.2020, 21:15
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Re: RAV Unemployment Benefit

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I think there's probably a difference, too, in how that feels, depending on whether one is aged 51 or 59.
There is also a very big difference with the attitude from the RAV after 55. My advisor seem to be more interested in ensuring I had plenty of hobbies and lots of social activities going on than anything else. She told me that over 55 they donít really expect you to find something, but they are worried about professional men in particular suffering from depression and if you cannot keep yourself occupied they will try and find you a course to go on.....
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Old 16.03.2020, 09:36
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Re: RAV Unemployment Benefit

Thank you to everyone who replied - these are really useful comments.
I may come back with a few more specific questions after I've had the time to take in all the information
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Old 16.03.2020, 10:41
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Re: RAV Unemployment Benefit

The Rahmenfrist (qualified period) for unemployment compensation is normally two years. However, for individuals who register as unemployed within four years of the normal AHV retirement age (men: 65, women: 64), the Rahmenfrist can be extended another two years. See para. B40, bullet 3 at this link (German):

https://www.koordination.ch/fileadmi...-b/ale_b35.pdf
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Old 16.03.2020, 11:46
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Re: RAV Unemployment Benefit

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I'm only passing on what I felt from my own experience. At 50-something, thinking about early retirement, with a redundancy package, the OP can quite likely afford to live without the income, but of course it won't always be the case.

The down side, for me. was that I spent two years doing nothing really productive. neither feeling retired nor employed and useful, unable to move on with my life. If you have no intention/desire/possibility to get back into your chosen career, the on-hold nature of that time can be very destructive, as it certainly was for me.

Had I not been on RAV it's quite likely that I would have retrained and done some work on an unpaid basis to get experience, and maybe moved on with working life, at least ad interim. But they were a massive hinderence to me, both physically and mentally, IYSWIM. So if I had my time again I wouldn't go through the pain.

(There are lots of specific reasons that it was more of a pain for me than it might be for some other people, including but not limited to geographic factors, meaning that I had to drive a four-hour round trip for each appointment, for example, and almost as much for the language courses they put me on.)
Fair enough, we all have different circumstances. If you're keen to move on in one direction, and have a plan, and think you can start earning soon, then it could definitely make sense to avoid the RAV and just get on with the plan. It's certainly true that being registered with the RAV involves regular paperwork but I see that as the 'work' that helps justify the payments!
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Old 20.03.2020, 11:53
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Re: RAV Unemployment Benefit

Can I ask some advice with regard to termination of contract, RAV and options to withdraw my notice of resignation? it happened that there was a continuous conflict within the team and in addition to horrible boss that made everything worse, at some point I could not stand it anymore and quit 3 months ago with a notice period of 3 months, I was actively searching for jobs, sent around 30 applications, but because of corona-virus all hiring process is postponed, all interviews are postponed, and for sure there are many rejections as well. Now I am registered at RAV, but because of self-unemployment it is likely i will not see any money in the near future... Now I learned that the person i had conflict with is leaving, and now it does not look bad to continue working, do you think one can annulate own notice? they didn't find any new software engineers and do not seem find anyone in the near future as well... I am worried i will not find any job in the current situation, is it feasible from legal point of view to reverse own notice?
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