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Old 23.09.2020, 16:09
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Unpaid Sick Leave

I was made redundant recently. During my last six months employment I was on two months unpaid sick leave but worked the final four months. I have been with the same employer for two years. Before that I was on unpaid sick leave for 3 months (In total 5 months unpaid sick leave). It was a serious sickness and I had no alternative. How would this be treated by the RAV in their calculation? Would be grateful for any advice.
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Old 23.09.2020, 16:38
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Re: Unpaid Sick Leave

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I was made redundant recently. During my last six months employment I was on two months unpaid sick leave but worked the final four months. I have been with the same employer for two years. Before that I was on unpaid sick leave for 3 months (In total 5 months unpaid sick leave). It was a serious sickness and I had no alternative. How would this be treated by the RAV in their calculation? Would be grateful for any advice.
Calculation is average earnings over the last 6 / 12 months whichever is the best for you.
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Old 23.09.2020, 16:47
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Re: Unpaid Sick Leave

Many Thanks. Is unpaid sick leave treated as an employment period at the normal monthly salary in the calculation? I was paid by the insurance company for the 5 months unpaid sick leave.
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Old 23.09.2020, 16:53
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Re: Unpaid Sick Leave

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Many Thanks. Is unpaid sick leave treated as an employment period at the normal monthly salary in the calculation? I was paid by the insurance company for the 5 months unpaid sick leave.
Were unemployment insurance premiums deducted from your payout?
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Old 23.09.2020, 16:57
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Re: Unpaid Sick Leave

It was an employer insurance scheme which kicked in after the first 3 months (paid sick leave) finished. I think this is something they offered to all employees. I was sick for 8 months (3 paid by employer and 5 paid by insurance company) before I went back to work and worked for 4 more months.
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Old 23.09.2020, 17:07
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Re: Unpaid Sick Leave

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It was an employer insurance scheme which kicked in after the first 3 months (paid sick leave) finished. I think this is something they offered to all employees. I was sick for 8 months (3 paid by employer and 5 paid by insurance company) before I went back to work and worked for 4 more months.
What did the pay slip say? AHV / Pilar 2 Pension etc?
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Old 23.09.2020, 17:08
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Yes unemployment insurance premiums were deducted from my salary except for the 5 months on unpaid sick leave as I had no salary from them. During that period they deducted my pension contribution (employee contribution) directly from my bank

AHV-Beitrag on my payslip for all the months I was paid a salary.

Last edited by roegner; 23.09.2020 at 17:13. Reason: Merging consecutive posts
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Old 24.09.2020, 10:04
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Re: Unpaid Sick Leave

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Yes unemployment insurance premiums were deducted from my salary except for the 5 months on unpaid sick leave as I had no salary from them. During that period they deducted my pension contribution (employee contribution) directly from my bank

AHV-Beitrag on my payslip for all the months I was paid a salary.
Then no unemployment cover for those 5 months unfortunately.
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Old 24.09.2020, 11:11
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Re: Unpaid Sick Leave

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Many Thanks. Is unpaid sick leave treated as an employment period at the normal monthly salary in the calculation? I was paid by the insurance company for the 5 months unpaid sick leave.
If you were paid by the insurance company, then it was not unpaid sick leave. It doesn’t matter who pays you. The insurance company should have paid your deductions.
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Old 24.09.2020, 12:23
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Re: Unpaid Sick Leave

Many Thanks for your response. I am uncertain as to how the RAV will consider this even though I had no control over this. I am not clear about what RAV means by "insured salary" as there is no definition provided.
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Old 24.09.2020, 16:55
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Re: Unpaid Sick Leave

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Many Thanks for your response. I am uncertain as to how the RAV will consider this even though I had no control over this. I am not clear about what RAV means by "insured salary" as there is no definition provided.
70 or 80% of earnings over the previous 6 / 12 months with a cut off point for the very highly paid.
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Old 24.09.2020, 17:46
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Re: Unpaid Sick Leave

Thanks. Insured salary is unclear though. If someone works for 5 years on a fixed salary making ALV contributions and then on unpaid sick leave for a few months is the insured salary his fixed salary or how much he actually received in the last 6 months or 1 year? In an extreme example if somebody is on 11 months unpaid sick leave and received a month's pay and daily sickness insurance during the unpaid sick leave period of 11 months what is his insured salary?
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Old 24.09.2020, 17:52
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Re: Unpaid Sick Leave

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Thanks. Insured salary is unclear though. If someone works for 5 years on a fixed salary making ALV contributions and then on unpaid sick leave for a few months is the insured salary his fixed salary or how much he actually received in the last 6 months or 1 year? In an extreme example if somebody is on 11 months unpaid sick leave and received a month's pay and daily sickness insurance during the unpaid sick leave period of 11 months what is his insured salary?
It's 100% clear, stop playing the fool.

INSURED SALARY IS BASED ON THE AVERAGE PAY DURING THE LAST 6 or 12 MONTHS.

If he worked 1 month in 6 months he would get 70/80% of 1/6 of his pay, If he worked 1 month in 12 months he would get 70/80% of 1/12 of his pay as that is what insurance premiums were paid out of salary.

Such a person is possibly not fit to work at all so will get ZERO as you need to be able to work to receive unemployment benefits.
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Old 24.09.2020, 17:54
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Re: Unpaid Sick Leave

This is how they have worded it.

What benefits are available in the event of unemployment?
Compensation for temporary loss of income due to unemployment.
Unemployment benefits represent 70 % of the insured salary and are paid out as a daily
allowance. This can rise to 80 % for individuals who have an obligation to care for children under
the age of 25, or who receive a daily allowance of less than 140 Swiss francs, or who claim an DI
pension due to a degree of disability of at least 40 %. The maximum insured salary corresponds
to that used for compulsory accident insurance, i.e. 12 350 Swiss francs. According to age,
periods of insurance and maintenance obligations towards a child or children, certain cases will
attract between 90 and 640 daily allowances. Besides unemployment benefits, unemployment
insurance also provides the following benefits
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Old 24.09.2020, 17:58
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Re: Unpaid Sick Leave

Like Island Monkey says when you're on sick leave with payment from an insurance company all the insurances - employment, health etc are paid by the insurance company behind the scenes. They're based on the normal salary amounts. When I was off sick my payslip only showed one entry, for the insurance, and I was assured by my employer that insurance and pension etc was being paid behind the scenes.
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Old 24.09.2020, 18:02
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Re: Unpaid Sick Leave

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70 or 80% of earnings over the previous 6 / 12 months with a cut off point for the very highly paid.



Isn't the "insured salary" a capped salary amount and when you claim you get 70 to 80% of this insured salary? I'm pretty sure it is. I'm not at all convinced your answers so far on this thread are accurate and probably best ignored, sorry.
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Old 24.09.2020, 18:05
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Re: Unpaid Sick Leave

Thank you for clarifying. Much appreciated.
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Old 24.09.2020, 18:43
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Re: Unpaid Sick Leave

When an employee is officially declared as ill (krankgeschrieben), then there are two ways that the employee can continue to be paid:

1. Employer continues to pay the employee from its own pocket or from funds provided by short-term disability insurance (Krankentaggeldversicherung) with an employer's payslip.
- Normal social charge deductions are taken for AHV/EO/ALV.

or:

2. Short-term disability insurance pays the employee directly which is a form of "replacement income" (Ersatzeinkommen).
- Normal social charge deductions are not taken for AHV/EO/ALV for "replacement income". This means that the employee is not considered insured for unemployment while receiving "replacement income".

See para. A24 in publication AVIG-ALE Praxis at this link (German):
https://www.arbeit.swiss/secoalv/de/...ig-praxis.html

As the OP has been ill for five months in the past two years, s/he should consider extending the short-term disability coverage under the former company's collective policy. Bear in mind that RAV/ ALK will only cover up to 30 days for one illness and up to 44 days for all illnesses during the qualified period (Rahmenfrist). More information is at post 38 at this link:

https://www.englishforum.ch/employme...nslated-2.html

Also, fatmanfilms is well informed about RAV and its processes and his input should not be discounted. I agree with his above comments.
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Old 24.09.2020, 18:50
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Re: Unpaid Sick Leave

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Isn't the "insured salary" a capped salary amount and when you claim you get 70 to 80% of this insured salary? I'm pretty sure it is. I'm not at all convinced your answers so far on this thread are accurate and probably best ignored, sorry.
70-80% of gross salary is insured, looking back I said nothing different. There is an upper earnings limit, you seem to be confused about something that has been explained quite clearly more than once.
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