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Old 12.07.2010, 18:27
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Compensation upon re-employment at a lower rate

To what extent does the Arbeitslosenkasse/Caisse de Chomage top up your salary?

Is there some kind of limit that is connected with the 120k unemployment insurance level?

e.g. assume original salary of 150k
80% of this is 120k so you get the max payout on unemployment benefit
then you start a job which pays 100k
how much will you get as a top up and for how long?

what if this example was repeated with 180k as your original salary and you find a job for 100k?
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Old 12.07.2010, 18:29
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Re: Compensation upon re-employment at a lower rate

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To what extent does the Arbeitslosenkasse/Caisse de Chomage top up your salary?

Is there some kind of limit that is connected with the 120k unemployment insurance level?

e.g. assume original salary of 150k
80% of this is 120k so you get the max payout on unemployment benefit
then you start a job which pays 100k
how much will you get as a top up and for how long?

what if this example was repeated with 180k as your original salary and you find a job for 100k?
You wouldnt get any top up. You are not entitled to work at your previous level and if your new job is at a lower rate you must accept that.

If you choose not to accept the job because it does not match the amount you get on unemployment benefit then they will stop your benefit for refusing work when offered it.

I think this is the case, but there are people a lot better than me at this, I am sure they will give the official angle.
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Old 12.07.2010, 19:13
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Re: Compensation upon re-employment at a lower rate

It is 70% and not 80%, although i vaguely remember hearing somethig about 80% too under certain circuumstances. I dont know if there is an upper limit, but yes, they do top up.
If you used to earn 150k, and accept a "Zwischenverdienst" where you earn 100k, they top up 70% of the 50K your pay is lower=35K, so you get a total of 135K

I think if you stay in the 100k job for a certain time, and then get unemployed again, you will get 70% of the 100K, but I dont know when and how the calculation changes from 150K base to 100k base.

Doc.,
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Old 12.07.2010, 20:01
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Re: Compensation upon re-employment at a lower rate

I believe the 'salary' calculation is based on the months which allow entitlement.

If you have worked 12 months out of the previous 24 then you are eligible. What I'm not sure of is how that is calculated. i.e. the most recent 12 1-month-salaries vs. the highest 1-month-salaries

Interesting point for contractors there, it may pay to split a 2 week holiday over a month end.

I thought Zwischenverdienst referred to a top up if you worked (whilst claiming benefit) but weren't working enough (hours/time) to allow you give up claiming. Does it also refer to the top up when you *do* go back to full time work?

No one has so far really answered my question. Thanks for the effort anyway.
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Old 12.07.2010, 20:05
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Re: Compensation upon re-employment at a lower rate

I think,top-up only applies to a zwischenverdienst, but not if you get a permanent/long term job, but I am not 100% sure.

Doc.
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Old 13.07.2010, 09:25
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Re: Compensation upon re-employment at a lower rate

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Is there some kind of limit that is connected with the 120k unemployment insurance level?
The limit is 10500 monthly = 126000 yearly.

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e.g. assume original salary of 150k
Only first 126000 is insured. It is not possible to get more than that.

You can get either 70% or 80% of insured salary. Basically, 80% is for employee with dependands. One can get it for 400 days, some extensions are possible.

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what if this example was repeated with 180k as your original salary and you find a job for 100k?
180K does not matter, only first 126k.

If you find a job which pays less than your insured salary than:

A) - you accept it, deregister from RAV and go on with your new job. Nothing stops you from looking for new one.
B) - you accept it as a temporary solution. In this case you have to still send out applications, do your regular meetings with RAV advisor, and convince your employer to fill out "Zwischenverdienst" forms. Than the missing part between your current and insured income is payed out. Normally this is done only in case of temporary or part time jobs where the income received is substantially less than income insured.
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Old 13.07.2010, 09:28
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Re: Compensation upon re-employment at a lower rate

I'm sure I read that they also topup if you re-train, eg you go from IT to somthing like a mechanic on a lower salary.
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Old 13.07.2010, 09:30
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Re: Compensation upon re-employment at a lower rate

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I believe the 'salary' calculation is based on the months which allow entitlement.

If you have worked 12 months out of the previous 24 then you are eligible. What I'm not sure of is how that is calculated. i.e. the most recent 12 1-month-salaries vs. the highest 1-month-salaries

Interesting point for contractors there, it may pay to split a 2 week holiday over a month end.

I thought Zwischenverdienst referred to a top up if you worked (whilst claiming benefit) but weren't working enough (hours/time) to allow you give up claiming. Does it also refer to the top up when you *do* go back to full time work?

No one has so far really answered my question. Thanks for the effort anyway.
They take the average earnings over the period, so splitting holidays and such won't make a difference.

The top up is only for a temporary job that won't pay what you receive in unemployment monies.

You receive 70% of your salary (up to the caps mentioned elsewhere in this thread), if you have children then you receive 80%.
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Old 13.07.2010, 10:13
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Re: Compensation upon re-employment at a lower rate

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If you find a job which pays less than your insured salary than:

A) - you accept it, deregister from RAV and go on with your new job. Nothing stops you from looking for new one.
B) - you accept it as a temporary solution. In this case you have to still send out applications, do your regular meetings with RAV advisor, and convince your employer to fill out "Zwischenverdienst" forms. Than the missing part between your current and insured income is payed out. Normally this is done only in case of temporary or part time jobs where the income received is substantially less than income insured.
The key word here is substantial, meaning iof you get anything more that about the average salary, you don't stand much chance of getting a top up.

Otherwise, this post is about spot on the money
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Old 13.07.2010, 12:52
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Re: Compensation upon re-employment at a lower rate

I fully understand about the 120k 70/80% rule with regard to claiming benefits whilst one is fully unemployed. (I don't understand where you get a figure of 126k from)

I still don't feel I have a clear answer with regard to starting a full-time job on a lower salary, and how much, if anything, the RAV/UNIA contribute and for how long.

I'm not on about zwischenverdienst which you get if you do short-term/part-time work whilst being unemployed.

I am on about what happens after you unregister from the RAV
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Old 13.07.2010, 13:27
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Re: Compensation upon re-employment at a lower rate

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I fully understand about the 120k 70/80% rule with regard to claiming benefits whilst one is fully unemployed. (I don't understand where you get a figure of 126k from)
10500x12=126000

10500 is maximum monthly salary which can be insured.

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I am on about what happens after you unregister from the RAV
If you unregister from RAV, than you get nothing.


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I still don't feel I have a clear answer with regard to starting a full-time job on a lower salary, and how much, if anything, the RAV/UNIA contribute and for how long.
If you start full-time job on a lower salary, and the salary is lower than your insured salary, than you get a difference, but only under "Zwischenverdienst" rules. You will be getting a difference as long as your 400 days dries up and as long as you conform to RAV rules.
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Old 13.07.2010, 13:43
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Re: Compensation upon re-employment at a lower rate

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It is 70% and not 80%, although i vaguely remember hearing somethig about 80% too under certain circuumstances. I dont know if there is an upper limit, but yes, they do top up.
If you used to earn 150k, and accept a "Zwischenverdienst" where you earn 100k, they top up 70% of the 50K your pay is lower=35K, so you get a total of 135K

I think if you stay in the 100k job for a certain time, and then get unemployed again, you will get 70% of the 100K, but I dont know when and how the calculation changes from 150K base to 100k base.

Doc.,
There is a top limit and they also have other rules. I had a job well over 150K before becoming unemployed and had to take one that paid 105K. It was not topped up because the difference between the 105K offer and the 80% of top limit paid to me by RAV (I have kids) was not enough.

Had they only offered 100K I would have been topped up by a few K for a max period of 12 months...

I should also add that I thought I would be 'topped up' but when I told the RAV about the job offer I was then told the full facts. Their advice was to take the job and keep looking otherwise my payments would stop completely.
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Last edited by nigelr; 13.07.2010 at 13:45. Reason: missed a bit that helps clarify things
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Old 13.07.2010, 14:05
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Re: Compensation upon re-employment at a lower rate

vastor's replies are correct (unlike many of the others in this thread). I was in a similar situation in early 2009, and received a top-up of the difference between 70% of the insured amount (actually less than the 126k as my previous salary was lower than this) and my new salary.

However, you do need to stay registered with the Caisse de Chomage/RAV.

If there is a small difference, I would be tempted to de-register and accept the loss of earnings whilst you keep looking for something better - the top-up period counts as part of your 400 insured days, and if the new job doesn't work out and you end up unemployed again you may not have many of your 400 days left.

However, if you need the top-up then it is a different matter.

Good luck.

Last edited by GenevaSculler; 13.07.2010 at 14:06. Reason: Clarification re 70%
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Old 05.08.2010, 14:46
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Re: Compensation upon re-employment at a lower rate

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top-up period counts as part of your 400 insured days
No - assuming that you are still registered.

The RAV would rather have you work than not, so it is an incentive to work.

I have worked part-time during a month and
- received more money than if I had done no work
- used none of my 400 days when I did work
- had to get the employer to fill out the Zwischenverdienst form
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Old 10.06.2018, 17:19
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Re: Compensation upon re-employment at a lower rate

Mr Ravboy lives in canton St Raven. Mr Ravboy has a C permit. Evilcom Corp offers Mr Ravboy an open-ended, full-time contract on 60k. This is quite a lot less than he gets on the RAV. Alas, the RAV is not an infinite resource. The job is all the way over in Baselbern. The commute is not viable, so either Mr Ravboy has to move with his family to Baselbern, or he has to spend 5 nights a week in some seedy WG with a bunch of pot-smoking students.

a) Can an open-ended full-time position be counted as Zwischenverdienst?

b) Can Mr Ravboy move to Baselbern and stay on the RAV, claiming his top-up for the aforementioned open-ended full-time position?

c) If Mr Ravboy rents a room for five nights a week in Baselbern, does that have any implications for his status as a resident of canton St Raven?

Mr Ravboy would be very grateful for any advice on these matters. He's already bought a tie-dyed t-shirt and a couple of Pink Floyd albums.
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Old 11.06.2018, 01:35
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Re: Compensation upon re-employment at a lower rate

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Mr Ravboy lives in canton St Raven. Mr Ravboy has a C permit. Evilcom Corp offers Mr Ravboy an open-ended, full-time contract on 60k. This is quite a lot less than he gets on the RAV. Alas, the RAV is not an infinite resource. The job is all the way over in Baselbern. The commute is not viable, so either Mr Ravboy has to move with his family to Baselbern, or he has to spend 5 nights a week in some seedy WG with a bunch of pot-smoking students.

a) Can an open-ended full-time position be counted as Zwischenverdienst?

b) Can Mr Ravboy move to Baselbern and stay on the RAV, claiming his top-up for the aforementioned open-ended full-time position?

c) If Mr Ravboy rents a room for five nights a week in Baselbern, does that have any implications for his status as a resident of canton St Raven?

Mr Ravboy would be very grateful for any advice on these matters. He's already bought a tie-dyed t-shirt and a couple of Pink Floyd albums.

IF Herr Ravboy lives within a 2 hour commute then the RAV will be perfectly happy, so theoretically Herr Ravboy could live in Kanton Swissitaly and still work in Baselbern.
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Old 11.06.2018, 05:12
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Re: Compensation upon re-employment at a lower rate

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IF Herr Ravboy lives within a 2 hour commute then the RAV will be perfectly happy, so theoretically Herr Ravboy could live in Kanton Swissitaly and still work in Baselbern.
Unfortunately the position is more than a two hour commute - does that mean the RAV would disapprove?
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Old 11.06.2018, 07:25
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Re: Compensation upon re-employment at a lower rate

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Unfortunately the position is more than a two hour commute - does that mean the RAV would disapprove?
The RAV won't disapprove. They will consider it a valid reason to reject the job and stay on RAV, which I don't think RAV boy wants to do.

For a full time permanent gig, I don't think RAV will top up. As above they will only top up for temporary gigs with the employer filling out the time sheets. Not sure that's what RAV boy wants either.

But, as always, you should ask them.

Last edited by miniMia; 11.06.2018 at 12:16. Reason: Added 'permanent' to full time in order to clarify as full time can of course also be temporary.
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Old 11.06.2018, 07:47
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Re: Compensation upon re-employment at a lower rate

According to Beobachter, interim earnings are defined as:

"Zwischenverdienst

This includes all jobs that someone accepts during unemployment and which earn a wage that is lower than the unemployment allowance. Interim earnings can be full or part-time jobs."

Timeframe: those over 45 and unemployed persons who support children under 25 receive the difference between interim earnings and insured earnings during the entire framework period; all others for a maximum of one year.

https://www.beobachter.ch/arbeit/arbeitslosigkeit/zwischenverdienst-arbeitslos-und-doch-arbeiten
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Old 11.06.2018, 10:27
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Re: Compensation upon re-employment at a lower rate

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According to Beobachter, interim earnings are defined as:

"Zwischenverdienst

This includes all jobs that someone accepts during unemployment and which earn a wage that is lower than the unemployment allowance. Interim earnings can be full or part-time jobs."

Timeframe: those over 45 and unemployed persons who support children under 25 receive the difference between interim earnings and insured earnings during the entire framework period; all others for a maximum of one year.

https://www.beobachter.ch/arbeit/arbeitslosigkeit/zwischenverdienst-arbeitslos-und-doch-arbeiten
Thanks for this. I am now on RAV but have a job for the month of June which pays less than my RAV. I will let you know how I get on with claiming my topup.
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