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Old 25.02.2009, 14:47
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What am I entitled too

Hello,

I may well be let go in a matter of months, I have worked for the same company for 9 yrs, does any one know how much benifit you are entitled too, I understand it is 80% of wages, but then you still have various deductions, pension etc, so in reality you will come out with less than 80% and how long does it take before they pay you, and do they take into account your partners salary (unmarried) I am trying to plan for the "maybe" also what are redundany entitlements in Switzerland.

Any informaton gratefully receive.

thanks
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Old 25.02.2009, 15:12
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Re: What am I entitled too

It's 70% if your single. Your partners employment doesn't affect your claim.
As soon as you receive notice from your employer, register yourself you'll be liable to look for jobs during your notice period.
Hope for you it doesn't come to it.
Good luck.
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Old 25.02.2009, 15:21
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Re: What am I entitled too

And that will also depend om your salary. If it is above certain threshold (I think around CHF 90K, but someone please confirm), then the percentages above will only apply until that total.
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Old 25.02.2009, 15:23
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Re: What am I entitled too

Thanks, so do I . We have a 2yr old, so I want to plan for the "just in case" for his sake, I hope I am jumping the gun. is the 70% in the hand as they say, or then do you have deductions, is it 70% of your net or gross.? and how does tax work ? gosh so many things to think about.
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Old 25.02.2009, 15:25
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Re: What am I entitled too

and if you are opver 90K then what, you only get 70% of 90K ??
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Old 25.02.2009, 15:46
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Re: What am I entitled too

Buchs have you had a good search through unemployment benefit threads maybe they'll come up with some better answers.
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Old 25.02.2009, 16:25
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Re: What am I entitled too

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and if you are opver 90K then what, you only get 70% of 90K ??

they take the average of the last 24 months employment. if you are single you get 70% of that, if you are married/kids etc it can be bumped up to 80% but I don't know those details. there is a maximum, somewhere near 10KCHF a month I think. even if you earn 1Mil PA!

the 70% (or 80) is treated like any other salary, you pay health insewerance, unemployment insewerance (ironically!) etc just like being employed. but as you are 'earning' less you are in a lower tax bracket. you might even end up slightly better off than you are now.

As you have a kid you will actually be able to take days off from looking for work to look after him/her.

HTH, bill
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Old 25.02.2009, 20:32
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Re: What am I entitled too

As far as I know the max insured salary is 106k CHF. Reference is your average income in the past 6 months.

And yes, I also heard about a number of deductions from wht you get from ALV, but I don´t know what they are.
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Old 27.02.2009, 10:28
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Re: What am I entitled too

You seem to be fairly familiar with this unemployment insurance scheme. Do you know how long does one need to be working in Switzerland to qualify initially or how long do the benefits last assuming you are doing everything right in looking for a job and so on? Is is a factor of how long you worked before being made redundant?
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Old 27.02.2009, 19:45
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Re: What am I entitled too

You qualify if you have been paying ALV in at least 12 months in the last two years, as far as I know.
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Old 02.03.2009, 11:01
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Re: What am I entitled too

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You qualify if you have been paying ALV in at least 12 months in the last two years, as far as I know.
Correct and if you have the full 24 months you get the support for the 24 months. Have not heard it used but I think they have an option to pay you back the only the number of months you have 'paid up'. But Unemployment benefit laws are different from canton to canto. FR is the worst as far as I know, GE, VD much much better. ZRH I have limited knowledge.

bill
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Old 03.03.2009, 11:34
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Re: What am I entitled too

Thanks for all the interesting info.

Just to add more confusion to the discussion: How does owning a company affects your rights to unemployment payment when you fullfil all the other criteria? i.e. Can I keep my company running (obviously without me or the company earning any money) and receive unemployment benefits?

Thanks,
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Old 03.03.2009, 12:44
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Re: What am I entitled too

To work out how much you will get, you take your average gross salary over the last 6 months, and then multiply by either 70% or 80% (single vs married). They then deduct the usual taxes deductions, like if it was a normal salary. So your net (take-home) cash should be around 70 or 80% of your previous net salary.

The only exception to this is if you exceed the maximum insured amount (which I thought was around 120K, although that may vary dependent on canton?), in which case you will only get the 70 or 80% of 120K.
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Old 03.03.2009, 12:47
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Re: What am I entitled too

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Correct and if you have the full 24 months you get the support for the 24 months. Have not heard it used but I think they have an option to pay you back the only the number of months you have 'paid up'. But Unemployment benefit laws are different from canton to canto. FR is the worst as far as I know, GE, VD much much better. ZRH I have limited knowledge.

bill
I'd not come across that before. Certainly in GE, if you qualify then you qualify for the standard time period, which is 400 working days (around 18 months).

Also, you don't get anything for the first week you are unemployed.
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Old 03.03.2009, 13:36
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Re: What am I entitled too

70%, 80%... I am looking for job, I was reasonably well paid in my last job. They pay the same all over Switzerland, it is not a cantonal thing I am sure.

I was insured for 10,500 a month, the maximum. I get 80% of that cause I have a family to support. My allowance is 400 days. You pay AVS 5.05%, NBU 2.91% amd BVG (15.20) insurance on unemployment, as well as income tax, the rate of which will depend on your income that year.

They pay according to the number of days in the month, so in February they pay 20 working days, in January they paid 23 days. Here are the figures for those numerically challenged, gross 387.10 Sfr per day, comes to 369 Sfr after AVS,NBU and BVG excluding income tax. I also recieved 235SFr allowance for my child.
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Old 04.03.2009, 10:52
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Re: What am I entitled too

The limit is set at 108k or whatever because that is the limit of what you pay unemployment tax on while you are earning.

Daniel
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