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  #1  
Old 26.03.2009, 15:12
Isambard Mews
 
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Unemployment benefit

Someone came round to explain unemployment benefit. They said we had to pay 2% for the unemployment benefit and in case of unemployment we get 80% of salary for up to 2 years. So far so good. Then he said, if we are offered a job, we cannot refuse it and maintain unemployment benefit even if job pays a lot lot less. Furthermore, when you take this job, the unemployment benefits stop such that ultimately you would only really get insurance for 'minimum wage' as it will be more cost effective for the insurer to offer you a min wage job than to pay out. Does this sound even remotely correct???
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Old 26.03.2009, 15:15
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Re: Unemployment benefit

Basically, yes. Have you tried the search for "unemployment"?
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  #3  
Old 26.03.2009, 15:16
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Re: Unemployment benefit

In theory yes.

But the idea is that you get the job you want or you are qualified within those 2 years.

So say if you are an software developer no one can force you to take a kiosk job, only because they offer one.

But if you are jobless for quite a time, they can come and say "you have to take whatever there is available".
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Old 26.03.2009, 15:28
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Re: Unemployment benefit

Actually the RAV can force you to take a lower paying job - and one that
is within a certain amount of travel time (using public transportation). If
you refuse, you get cut off!

Of course it is your plan to get a qualified job for your expertise... better
paying would be nice too!
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Old 26.03.2009, 15:53
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Re: Unemployment benefit

i agree with the posts above saying that they can't force you to take a job way outside your skills set.

but if you receive a lower paying job i was under the impression that the difference at least UPTO the 70/80% of your previous salary was still paid, but then on a reducing scale and up to the 2 year limit. This is/was in place to allow you to adjust to your new circumstances.

have i got that completely wrong?
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Old 26.03.2009, 16:25
Isambard Mews
 
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Re: Unemployment benefit

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In theory yes.

But the idea is that you get the job you want or you are qualified within those 2 years.

So say if you are an software developer no one can force you to take a kiosk job, only because they offer one.

But if you are jobless for quite a time, they can come and say "you have to take whatever there is available".
Hi. The person seemed to suggest within those 2 years and after 2 years you have no unemployment insurance anyway. e.g. if you are paid 100k CHF and are made redundant today, and on the same day somebody says, look there is a 40k CHF job available here and you must take it otherwise you get no unemployment benefit. Also, if you take the job you do not get benefits to pay difference between 40k and 100k. Is my understanding correct?
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Old 26.03.2009, 16:30
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Re: Unemployment benefit

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Hi. The person seemed to suggest within those 2 years and after 2 years you have no unemployment insurance anyway. e.g. if you are paid 100k CHF and are made redundant today, and on the same day somebody says, look there is a 40k CHF job available here and you must take it otherwise you get no unemployment benefit. Also, if you take the job you do not get benefits to pay difference between 40k and 100k. Is my understanding correct?
Well yes, sort of.

You will get unemployment benefits from RAV for 2 years, after that you are "ausgesteuert", means you look for yourself from then or go to the social service.

But most people can find a job within 2 years.

RAV is not interested in moving people to degraded jobs (viewed from their original qualification). But if you are qualified in a special area (rocket scientist or so), they can force you to re-orientate yourself into another economic sector - that might mean less pay.

But if unemployed, your first task is to find a job again. You can still fuss over the pay later on.
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Old 26.03.2009, 16:44
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Re: Unemployment benefit

My understanding is that if you get a job that pays less than your previous employment, you still get benefits, but based on the difference between the 2 salaries. The total (new salary + benefits) should be more than benefits alone.
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Old 26.03.2009, 17:06
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Re: Unemployment benefit

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RAV is not interested in moving people to degraded jobs (viewed from their original qualification). But if you are qualified in a special area (rocket scientist or so), they can force you to re-orientate yourself into another economic sector - that might mean less pay.
true, and they WILL help re-orientate you: skilled courses, language training, etc.
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Old 27.03.2009, 17:42
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Re: Unemployment benefit

I've not been in this position myself, however a good friend of mine did and his experience is that they naturally don't force someone into any job - the principle used is that if you are get a reasonable offer you must take it. This means that if you were a software developer on 90k p.a. they won't expect you to take a job as a barman on 45k p.a. or, that matter, a software developer on 45k p.a. - however (and this does happen) if you are offered a role as a software developer on 70k p.a. they'll expect you to take it (which is more or less what happened to my friend) and so some companies do take advantage of this to get people at a lower rate.

What the exact guidelines are, I'm afraid I can't tell, so it could simply be down to how well you personally get on with the people in the RAV dealing with your case.
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Old 27.03.2009, 18:12
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Re: Unemployment benefit

There is no obligation for the unemployment insurance to top up the difference between a previous salary and a new lower salary.

However, the RAV would help with learning on the job. Example: you are a Cobol programmer but job specifies a Java programmer. RAV can pay the employer a subsidy so that you can learn "on the job". But if your qualifications and experience are what the employer needs, then there is no training aspect and no RAV subsidy.

Salaries are decreasing to reflect the new market situation. The RAV does not compensate that.

The unemployment insurance is running a big deficit. Unemployment is increasing. The RAV has no choice except to become stricter.
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  #12  
Old 28.03.2009, 16:15
Isambard Mews
 
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Re: Unemployment benefit

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I've not been in this position myself, however a good friend of mine did and his experience is that they naturally don't force someone into any job - the principle used is that if you are get a reasonable offer you must take it. This means that if you were a software developer on 90k p.a. they won't expect you to take a job as a barman on 45k p.a. or, that matter, a software developer on 45k p.a. - however (and this does happen) if you are offered a role as a software developer on 70k p.a. they'll expect you to take it (which is more or less what happened to my friend) and so some companies do take advantage of this to get people at a lower rate.

What the exact guidelines are, I'm afraid I can't tell, so it could simply be down to how well you personally get on with the people in the RAV dealing with your case.
thanks. if that's the case, i'm not so worried. the guy i spoke to seemed to suggest that i could have to empty bins, or whatever and i would not be able to pay rent etc. on a very low salary.
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Old 28.03.2009, 17:25
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Re: Unemployment benefit

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thanks. if that's the case, i'm not so worried. the guy i spoke to seemed to suggest that i could have to empty bins, or whatever and i would not be able to pay rent etc. on a very low salary.
don't knock it! some of those bin wo/men are taking home more than 6kCHF a month.
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