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Old 24.04.2020, 15:35
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Insured salary

Hi friends,

What if the insured salary is higher than the cap of 148K? In case of unemployment only 148K will be used for the calculation? If that's the case what is the point of insuring more than that?

Sorry if its a stupid question. :-)

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DK
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Old 24.04.2020, 16:15
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Re: Insured salary

There are different kind of "Insured salaries".

AHV/AVS/OASI (Normally all, but payout is capped at 28,440‬)
ALV/AC/Unemployment (capped at 148k)
BVG/LPP/2dn pillar (depending on your pension plan it is all or all - 24'885. max. by law is 853'200).
Krankentaggeld/Indemnité journalière/Sick payment (optional and depends, AFAIK there is no legal cap and payout is usually 80% of insured salary)
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Old 24.04.2020, 16:33
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Re: Insured salary

Due to the 2008/ 2009 financial crisis, the unemployment compensation fund had a deficit of CHF 7 billion. As a result, a 1% "solidarity contribution" was deducted from wages greater than CHF 148'200, the maximum insured wage. According to this 2019 SRF article, it was planned to stop the solidarity contribution in 2021 (German). How the world can change in a month:

https://www.srf.ch/news/wirtschaft/s...h-schuldenfrei
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Old 26.04.2020, 11:42
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Re: Insured salary

Thanks! So for unemployment it is capped to 148K. That's bad as I contribute more due to a higher insured salary. :-(
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