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Old 16.10.2020, 18:17
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RAV and temporary contracts

In March 2019 I signed on to RAV after finishing a 5 year stint permanently employed.
No problems with the RAV at all.
I am 62 years old next Month

15 months later (1 July 2020) I got offered a fixed period temporary contract ending Dec 31 paying me almost double RAV which I took up.

The company is talking about extending my contract until end of June 2021.

The issues Im worrying about are:

If the contract is not extended can I go back on the RAV with those 6 months I worked credited to my days remaining ?

if the contract is extended and I work until end Jun 2021 does the RAV clock reset. ie am I entitled to another 400 days because I have worked a full year albeit on temporary contracts (2)

Would they base a new RAV payment on my old job from Mar 2019 or would they recalculate base on the temporary salary.
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Old 16.10.2020, 19:27
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Re: RAV and temporary contracts

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In March 2019 I signed on to RAV after finishing a 5 year stint permanently employed.
No problems with the RAV at all.
I am 62 years old next Month

15 months later (1 July 2020) I got offered a fixed period temporary contract ending Dec 31 paying me almost double RAV which I took up.

The company is talking about extending my contract until end of June 2021.

The issues Im worrying about are:

If the contract is not extended can I go back on the RAV with those 6 months I worked credited to my days remaining ?

if the contract is extended and I work until end Jun 2021 does the RAV clock reset. ie am I entitled to another 400 days because I have worked a full year albeit on temporary contracts (2)

Would they base a new RAV payment on my old job from Mar 2019 or would they recalculate base on the temporary salary.
Your original rahemfrist ends on the same day regardless.

A min of 12 months work in a 24 month period (your old rahenfrist) will count. As long as you do 12 months work you will be entitled ta a brand new rahemnfrist.
If you have less than 12 months you should do ANY work to make up 12 months in 24 months,
new insured salary based on last 6 or last 12 months earnings, whichever is the higher. Because of this it is possible to have a higher insured salary than previously 12 months earnings. If you earned 20k x 6 + 5k x 6 =150k that will give you the max RAV payout possible, curiously they do not seem to cap very high months.

Last edited by fatmanfilms; 16.10.2020 at 19:58. Reason: 'ends' not earns
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Old 16.10.2020, 19:38
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Re: RAV and temporary contracts

To add to FMF's comment, if you can obtain a new Rahmenfrist (qualified period) within four years of ordinary retirement age (male=65, female=64), then the new Rahmenfrist will be for four years.

Also, since you were over 55 when the unemployment occurred after working for five years, you should have been eligible for 520 work-days of unemployment compensation.

To determine the number of days of unemployment compensation still available and also to double-check when your Rahmenfrist expires, review the last Abrechnung (statement) from the Kasse. These figures should be on the lower right.

Post 32 at this link is a translation of a Kasse Abrechnung:

https://www.englishforum.ch/employme...nslated-2.html
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Old 16.10.2020, 22:04
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Re: RAV and temporary contracts

you are right it was 520 days - 2 years
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Old 21.10.2020, 18:16
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Re: RAV and temporary contracts

I hope I'm not hijacking this thread but it feels quite closely related to the OP's concerns.

I'm also RAV-registered, and like the OP am over 60. I've had a letter from the RAV advising me to apply for a 7-month temporary admin job with a non-profit. I'd actually be quite happy to do the job as it would make a change and introduce me to some new people. I presume I'm obliged to apply, and to take the job if offered, which gives me one or two concerns:

1. I presume it's quite low paid i.e. lower paid than I receive from the RAV/Kasse today, and much less than I used to earn. I'd happily do it for the same money as I get from the Kasse, perhaps even slightly less, but suppose it's significantly less? At what point am I allowed to say 'Sorry, I can't afford to do it for that amount?'

2. Once the contract ends and I re-sign with the RAV, is my new Rahmenfrist evaluated on these 7 months combined with my RAV income, or do I automatically revert to my previous rate? A recalculated 70% of these temp earnings + what I get from the Kasse will be a lot less than my current income, based on previous salary.

3. A side issue perhaps but re Covid-19: I've been on a personal lockdown for 7 months due to my age, and advice from my doctor. This temp contract is office-based and is in central Zurich, so I'm not greatly keen on that sort of daily routine while the pandemic is becoming serious again. It's not a deal-breaker but would it be regarded as a legitimate reason to turn down the offer?

Thanks for any thoughts.
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Old 21.10.2020, 18:22
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Re: RAV and temporary contracts

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I hope I'm not hijacking this thread but it feels quite closely related to the OP's concerns.

I'm also RAV-registered, and like the OP am over 60. I've had a letter from the RAV advising me to apply for a 7-month temporary admin job with a non-profit. I'd actually be quite happy to do the job as it would make a change and introduce me to some new people. I presume I'm obliged to apply, and to take the job if offered, which gives me one or two concerns:

1. I presume it's quite low paid i.e. lower paid than I receive from the RAV/Kasse today, and much less than I used to earn. I'd happily do it for the same money as I get from the Kasse, perhaps even slightly less, but suppose it's significantly less? At what point am I allowed to say 'Sorry, I can't afford to do it for that amount?'

2. Once the contract ends and I re-sign with the RAV, is my new Rahmenfrist evaluated on these 7 months combined with my RAV income, or do I automatically revert to my previous rate? A recalculated 70% of these temp earnings + what I get from the Kasse will be a lot less than my current income, based on previous salary.

3. A side issue perhaps but re Covid-19: I've been on a personal lockdown for 7 months due to my age, and advice from my doctor. This temp contract is office-based and is in central Zurich, so I'm not greatly keen on that sort of daily routine while the pandemic is becoming serious again. It's not a deal-breaker but would it be regarded as a legitimate reason to turn down the offer?

Thanks for any thoughts.
If the salary is less than your payout, they will top up 70/80% of the difference so you actually want it to be slightly less. 1 CHF more than your RAV payout is nonexistent .

I know in my first month on RAV I ended up doing some work, then got paid 100 CHF overtime, I then had to pay back the RAV 1800 CHF. It does have the advantage that it counts as 100% working that month towards your next rahemnfrist, however that comes at a price.

Your Rahemnfrist remains the same till it's over.

If you turn down an offer you will be penalised very badly, up to 90 days which is roughly 4 months pay.
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Old 21.10.2020, 18:43
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Re: RAV and temporary contracts

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If the salary is less than your payout, they will top up 70/80% of the difference so you actually want it to be slightly less. 1 CHF more than your RAV payout is nonexistent .
Thanks, FMF. Sorry if I'm being thick but I don't fully understand that. It's good news that they top up the amount but why would it be a bad thing for me to be offered a payment from this temp contract higher than my current RAV payout? I've missed something here. If I was being paid more, I wouldn't mind missing out on the top-up. Or is there some disadvantage I'm not understanding?

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Your Rahemnfrist remains the same till it's over.
Do you mean that my current Rahmenfrist would continue through the life of this temp contract? i.e. that I wouldn't actually have to sign off from the RAV, and that my current payout continues after the end of the contract?
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Old 21.10.2020, 18:46
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Re: RAV and temporary contracts

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Thanks, FMF. Sorry if I'm being thick but I don't fully understand that. It's good news that they top up the amount but why would it be a bad thing for me to be offered a payment from this temp contract higher than my current RAV payout? I've missed something here. If I was being paid more, I wouldn't mind missing out on the top-up. Or is there some disadvantage I'm not understanding?

Do you mean that my current Rahmenfrist would continue through the life of this temp contract? i.e. that I wouldn't actually have to sign off from the RAV, and that my current payout continues after the end of the contract?
base salary 10,000 RAV payout 7,000

Job pays 6850 + 2205 = 9055

Job pays 7001 + 0 = 7001

If you sign off or not the rahemnfrist continues. You need to be looking for full time work for 3 months before your contract ends.
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Old 21.10.2020, 18:58
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Re: RAV and temporary contracts

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base salary 10,000 RAV payout 7,000

Job pays 6850 + 2205 = 9055

Job pays 7001 + 0 = 7001

If you sign off or not the rahemnfrist continues. You need to be looking for full time work for 3 months before your contract ends.
Gotcha, thank you. I WAS being thick, because as it's a temp contract then naturally I'd still be RAV-registered and would be submitting my monthly Zwischenverdienst through the term of the contract. Thanks again.
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Old 21.10.2020, 23:02
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Re: RAV and temporary contracts

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base salary 10,000 RAV payout 7,000

Job pays 6850 + 2205 = 9055

Job pays 7001 + 0 = 7001

If you sign off or not the rahemnfrist continues. You need to be looking for full time work for 3 months before your contract ends.
I donít understand this. How did arrive at 2205 from rav contribution exactly? Are you saying you get more take home by employer paying less?
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Old 21.10.2020, 23:09
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Re: RAV and temporary contracts

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You need to be looking for full time work for 3 months before your contract ends.
Not if you only get 2 months notice.

Tom
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