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swissviking 01.01.2020 09:03

Accident on maternity leave /accident insurance question
 
I am wondering how it works when I have an accident while on maternity leave. I have 18 days left of my leave and then I will leave my company, as they don't offer part-time or unpaid leave. Now I've had an accident and wondering if the insurance will continue paying me my salary after my employment ends or if I have to hop my way to the unemployment office to do get that? I will be unable to work for 3 months.
Having surgery tomorrow. I am covered by their insurance after leaving the company for 30 days and then I will sign for another 3 months on top to continue the same insurance through this accident.

Thank you for your replies.

Adidas 01.01.2020 10:36

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by swissviking (Post 3133387)
I am wondering how it works when I have an accident while on maternity leave. I have 18 days left of my leave and then I will leave my company, as they don't offer part-time or unpaid leave. Now I've had an accident and wondering if the insurance will continue paying me my salary after my employment ends or if I have to hop my way to the unemployment office to do get that? I will be unable to work for 3 months.
Having surgery tomorrow. I am covered by their insurance after leaving the company for 30 days and then I will sign for another 3 months on top to continue the same insurance through this accident.

Thank you for your replies.

https://www.ahv-iv.ch/p/6.02.e
When your child is born you are entitled to daily allowances under:
• unemployment insurance;
• disability insurance;
• accident insurance;
• military insurance, or to
• compensation payments for persons performing military or civilian service,
maternity benefit will take precedence over these benefits and will come to at least the same amount as the daily allowance you were receiving
previously.

If you receive maternity benefit as an employee, you will continue to be covered by mandatory accident insurance while you are on maternity leave.
So in your case you will continue to benefit from the maternity benefits for the whole maternity leave. After, if eligible and still unable to work, you will receive the accident insurance benefits.

Mandatory accident insurance benefits don't end with unemployment.

swissviking 01.01.2020 11:34

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by Adidas (Post 3133394)
https://www.ahv-iv.ch/p/6.02.e
When your child is born you are entitled to daily allowances under:
• unemployment insurance;
• disability insurance;
• accident insurance;
• military insurance, or to
• compensation payments for persons performing military or civilian service,
maternity benefit will take precedence over these benefits and will come to at least the same amount as the daily allowance you were receiving
previously.

If you receive maternity benefit as an employee, you will continue to be covered by mandatory accident insurance while you are on maternity leave.
So in your case you will continue to benefit from the maternity benefits for the whole maternity leave. After, if eligible and still unable to work, you will receive the accident insurance benefits.

Mandatory accident insurance benefits don't end with unemployment.


Great, thank you so much. Then I'm not panicking. I was not sure how this works and my company also did not inform me about this. The situation is bad enough as it is, with a new baby in the house
Happy new year!

Guest 01.01.2020 11:36

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by swissviking (Post 3133398)
Great, thank you so much. Then I'm not panicking. I was not sure how this works and my company also did not inform me about this. The situation is bad enough as it is, with a new baby in the house
Happy new year!




NO NO NO, the situation is fantastic with a new baby in he house !


Sod the rest of it, it will all sort itself out in good time !

Mrs. Doolittle 01.01.2020 11:43

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by swissviking (Post 3133398)
Great, thank you so much. Then I'm not panicking. I was not sure how this works and my company also did not inform me about this. The situation is bad enough as it is, with a new baby in the house
Happy new year!

Be sure to ask your doctor for a referral to Spitex. They can help you out at home, which you probably need with a baby. Sorry to hear about your accident and wishing you a successful operation and speedy recovery.

omtatsat 01.01.2020 12:21

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by swissviking (Post 3133387)
I am wondering how it works when I have an accident while on maternity leave. I have 18 days left of my leave and then I will leave my company, as they don't offer part-time or unpaid leave. Now I've had an accident and wondering if the insurance will continue paying me my salary after my employment ends or if I have to hop my way to the unemployment office to do get that? I will be unable to work for 3 months.
Having surgery tomorrow. I am covered by their insurance after leaving the company for 30 days and then I will sign for another 3 months on top to continue the same insurance through this accident.

Thank you for your replies.

Correct me if I am wrong. You say you have maternity leave but as you are now sick it becomes now sick leave. So the you can get these days back ( from your employer ) from your maternity leave from the time of your accident to the end of your maternity leave. I had that once when I was sick in my holiday leave and I got back ( credited ) these days that I was sick.

Guest 01.01.2020 13:40

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by omtatsat (Post 3133404)
Correct me if I am wrong. You say you have maternity leave but as you are now sick it becomes now sick leave. So the you can get these days back ( from your employer ) from your maternity leave from the time of your accident to the end of your maternity leave. I had that once when I was sick in my holiday leave and I got back ( credited ) these days that I was sick.




Accident insurance is completely diferent than sickness insurance ;)


The lady had an ACCIDENT, she appears not to be sick.

omtatsat 01.01.2020 13:54

Re: Accident on maternity leave /accident insurance question
 
Quote:

Accident insurance is completely diferent than sickness insurance ;)


The lady had an ACCIDENT, she appears not to be sick.

seems she has no rights here. "Sickness: Is maternity leave extended?"

https://www.tagesanzeiger.ch/wirtsch...story/11167444

doropfiz 02.01.2020 00:08

Re: Accident on maternity leave /accident insurance question
 
Here are some extracts of a brief article on the UNIA (trade union) website (in German).
https://www.workzeitung.ch/2017/09/m...tzliches-geld/
The question was which insurance pays in this situation (which seems similar to that of OP):
Ich habe noch drei Wochen Mutterschaftsurlaub. Wegen eines Verkehrsunfalls vor drei Tagen hat mich mein Arzt voraussichtlich für 4 Wochen arbeitsunfähig geschrieben.
I have three more weeks of maternity leave. Because of a car accident three days ago, my doctor has written me off work for 4 weeks.
Die Mutterschaftsleistungen werden weiter ausgerichtet und laufen während der normalen Dauer von 14 Wochen. In Ihrem Fall heisst das konkret: Sie erhalten noch während dreier Wochen die Mutteschaftsentschädigung. Danach erhalten Sie während einer weiteren Woche Taggelder der Unfallversicherung (oder länger, sofern Sie ein weitergehendes Arztzeugnis vorweisen können).
The maternity benefits will continue to be paid out and run for the normal duration of 14 weeks. In your case, this means you will receive another three weeks' maternity benefits. After that, you will receive a further week of daily allowances out of the accident insurance (or longer, as long as you can show a further doctor's certificate).
As I understand it, an accident insurance's responsibility starts when the accident occurred, and all those costs must be covered by that accident insurance, irrespective of how long they continue - even beyond the duration of the employment contract.

Unemployment insurance is not relevant here, at all, because it is paid only to people who are able to work, so being unable to work through illness or accident precludes one from drawing unemployment benefits.

That should keep you safe. However, if this
Quote:

Originally Posted by swissviking (Post 3133387)
... I have 18 days left of my leave and then I will leave my company....

is merely your plan, but you have not yet actually resigned, then I recommend that you do not resign until all this is sorted out.

swissviking 08.01.2020 03:17

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by doropfiz (Post 3133529)
Here are some extracts of a brief article on the UNIA (trade union) website (in German).
https://www.workzeitung.ch/2017/09/m...tzliches-geld/
The question was which insurance pays in this situation (which seems similar to that of OP):
Ich habe noch drei Wochen Mutterschaftsurlaub. Wegen eines Verkehrsunfalls vor drei Tagen hat mich mein Arzt voraussichtlich für 4 Wochen arbeitsunfähig geschrieben.
I have three more weeks of maternity leave. Because of a car accident three days ago, my doctor has written me off work for 4 weeks.
Die Mutterschaftsleistungen werden weiter ausgerichtet und laufen während der normalen Dauer von 14 Wochen. In Ihrem Fall heisst das konkret: Sie erhalten noch während dreier Wochen die Mutteschaftsentschädigung. Danach erhalten Sie während einer weiteren Woche Taggelder der Unfallversicherung (oder länger, sofern Sie ein weitergehendes Arztzeugnis vorweisen können).
The maternity benefits will continue to be paid out and run for the normal duration of 14 weeks. In your case, this means you will receive another three weeks' maternity benefits. After that, you will receive a further week of daily allowances out of the accident insurance (or longer, as long as you can show a further doctor's certificate).
As I understand it, an accident insurance's responsibility starts when the accident occurred, and all those costs must be covered by that accident insurance, irrespective of how long they continue - even beyond the duration of the employment contract.

Unemployment insurance is not relevant here, at all, because it is paid only to people who are able to work, so being unable to work through illness or accident precludes one from drawing unemployment benefits.

That should keep you safe. However, if this is merely your plan, but you have not yet actually resigned, then I recommend that you do not resign until all this is sorted out.


Thank you. This does clarify a bit. However, I decided to be fair to my company when I got pregnant and they asked if I planned to come back immediately after maternity leave, and I said no. 3 month is waaaay too short. So they could find a permanent replacement rather than a temporary. As I understand it, my honesty is now backfiring. :( As I will be unable to work and not getting any money during this time.
I was planning to register at RAV after maternity leave ending, before the accident, so I will hop my way down there and do it regardless, even though going to job interviews will be hard. And I have a doctor's certificate not to work until end of March. 😒

Thanks though!

doropfiz 08.01.2020 03:28

Re: Accident on maternity leave /accident insurance question
 
The doctor's certificate is what determines the duration of the daily allowances out of the accident insurance. Therefore, your employer's accident insurance should continue to pay you until the end of March or, as the text above says "or longer, as long as you can show a further doctor's certificate".

swissviking 08.01.2020 15:28

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by doropfiz (Post 3134970)
The doctor's certificate is what determines the duration of the daily allowances out of the accident insurance. Therefore, your employer's accident insurance should continue to pay you until the end of March or, as the text above says "or longer, as long as you can show a further doctor's certificate".

I think this is only when you are still employed unfortunately. So now I also loose 3 weeks of my maternity leave. My contract terminates when maternity leave ends. So I'm left unable to work and with no income and a new baby. Excellent!
How's that even possible in such a country?

st2lemans 08.01.2020 15:34

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by swissviking (Post 3135180)
My contract terminates when maternity leave ends. So I'm left unable to work and with no income and a new baby. Excellent!
How's that even possible in such a country?

The baby has a father, no? :confused:

Tom

doropfiz 08.01.2020 21:50

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by swissviking (Post 3135180)
I think this is only when you are still employed unfortunately. So now I also loose 3 weeks of my maternity leave. My contract terminates when maternity leave ends. So I'm left unable to work and with no income and a new baby. Excellent!
How's that even possible in such a country?

Please go back and have a look at the article quoted in Post 9 above.

The point made there, at least as I understand it, is that the accident insurance cover
  • begins while you are still employed,
  • extends beyond the end of your maternity leave, to cover all the weeks in which the doctor has given you a certificate as unable to work because of that accident, and
  • ends when the doctor's certificate expires, i.e. when you are once again well enough to work.

Once you have recovered from the accident, and once you decide that you want to go back to work, you can register with the Unemployment Office. You will have coverage from there as long as you have contributed to the unemployment fund (from your previous employment) for 12 months within the last 24 months.

Adidas 09.01.2020 22:05

Re: Accident on maternity leave /accident insurance question
 
Quote:

Originally Posted by swissviking (Post 3135180)
I think this is only when you are still employed unfortunately. So now I also loose 3 weeks of my maternity leave. My contract terminates when maternity leave ends. So I'm left unable to work and with no income and a new baby. Excellent!
How's that even possible in such a country?

You should be covered by the accident insurance even after the maternity leave, also for daily allowance. Did you contact the insurance? What did they say?


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