Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #21  
Old 20.08.2021, 23:02
Island Monkey's Avatar
Forum Legend
 
Join Date: Mar 2008
Location: Wallis
Posts: 6,747
Groaned at 118 Times in 82 Posts
Thanked 7,630 Times in 3,463 Posts
Island Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond reputeIsland Monkey has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

I don't really understand RAV. Is he entitled to RAV if he signed a contract agreeing to work 40%?? I would have thought there would have to be some sort of redundancy?
Reply With Quote
  #22  
Old 20.08.2021, 23:11
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
I don't really understand RAV. Is he entitled to RAV if he signed a contract agreeing to work 40%?? I would have thought there would have to be some sort of redundancy?
Unemployment pay is based on the last 12 months of working, so the insured salary should be far higher than 40% of the current contract.

The issue is, he needs to be well enough to work, to get RAV payments, if already receiving RAV payments you get about 2 months total sickness cover, I don't remember the exact no of days but it's not very generous.
Reply With Quote
The following 5 users would like to thank fatmanfilms for this useful post:
  #23  
Old 20.08.2021, 23:11
terrifisch
 
Posts: n/a
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
Are you a scientist, immunologist or what not? Or by research, do you mean "read things on the net"?


Later news that on the FLCCC website suggests the jury is still out.

https://www.nature.com/articles/d41586-021-02081-w
That said, please explain Africa to me as well as India and enlighten me if you had Long Covid, why wouldn't you try Ivermectin - especially given Africa's medical infrastructure?

https://www.medrxiv.org/content/10.1...377v1.full.pdf

You don't have to be a scientist to be interested in research
Reply With Quote
The following 4 users would like to thank for this useful post:
This user groans at for this post:
  #24  
Old 20.08.2021, 23:14
komsomolez's Avatar
Forum Legend
 
Join Date: Jan 2008
Location: SZ
Posts: 3,511
Groaned at 326 Times in 228 Posts
Thanked 7,184 Times in 3,059 Posts
komsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
Unemployment pay is based on the last 12 months of working, so the insured salary should be far higher than 40% of the current contract.

The issue is, he needs to be well enough to work, to get RAV payments, if already receiving RAV payments you get about 2 months total sickness cover, I don't remember the exact no of days but it's not very generous.
This is a fairly important hole in social security here then, which I believe most are not aware of. I wasn't. So the fix is to take out private "Krankentagegeldversicherung" then when unemployed? Which still doesn't address OP's problem.

Shit. Best of luck to OP, sounds messy.
Reply With Quote
The following 4 users would like to thank komsomolez for this useful post:
  #25  
Old 20.08.2021, 23:17
olygirl's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: d' Innerschwiiz
Posts: 7,780
Groaned at 418 Times in 282 Posts
Thanked 18,329 Times in 5,676 Posts
olygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond reputeolygirl has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Hi Mathnut!

You're getting a lot of good advice here so all I'm going to say is hugs to you and your lovely husband. Good luck getting through this stage of life and you will survive!

Love to you both!
Reply With Quote
The following 8 users would like to thank olygirl for this useful post:
  #26  
Old 21.08.2021, 00:06
My2pups's Avatar
Forum Veteran
 
Join Date: Apr 2007
Location: Used to be Zurich
Posts: 1,706
Groaned at 94 Times in 64 Posts
Thanked 1,989 Times in 870 Posts
My2pups has a reputation beyond reputeMy2pups has a reputation beyond reputeMy2pups has a reputation beyond reputeMy2pups has a reputation beyond reputeMy2pups has a reputation beyond reputeMy2pups has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

As DB is looking over your shoulder, I would like to send my best regards. Been a long time. Does Uncle Bertrand not have a home remedy for this sort of thing? Laughter is the best medicine, after all! Hope things turn out well.
Reply With Quote
The following 11 users would like to thank My2pups for this useful post:
  #27  
Old 21.08.2021, 07:08
swissotter's Avatar
Forum Veteran
 
Join Date: Jun 2005
Location: ZH
Posts: 2,307
Groaned at 10 Times in 9 Posts
Thanked 3,439 Times in 1,412 Posts
swissotter has a reputation beyond reputeswissotter has a reputation beyond reputeswissotter has a reputation beyond reputeswissotter has a reputation beyond reputeswissotter has a reputation beyond reputeswissotter has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Hi Mathnut,
I also hope someone here can give you helpful advice. It's been a long road for you guys, I am happy DB is getting there - like others wrote, all the best for his full recovery so RAV can start to assist. Please keep us updated here. Long covid is a serious thing, I've had friends succumb to it.
Sending you DB and the little nuts much love xo
Reply With Quote
The following 4 users would like to thank swissotter for this useful post:
  #28  
Old 21.08.2021, 07:31
NotAllThere's Avatar
Modulo 2
 
Join Date: Oct 2008
Location: Baselland
Posts: 15,424
Groaned at 323 Times in 277 Posts
Thanked 24,039 Times in 9,782 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
That said, please explain Africa to me as well as India and enlighten me if you had Long Covid, why wouldn't you try Ivermectin - especially given Africa's medical infrastructure?

https://www.medrxiv.org/content/10.1...377v1.full.pdf

You don't have to be a scientist to be interested in research
Reading other's research is a good thing, but it isn't "doing research". It's more BSc than PhD. Oh, and that article predates the one I linked to by 5 months. Things change. What looks promising at one moment may turn out to not be so good. I'm not saying it won't help long covid, but simply that the data isn't there yet, so it's not a good idea, IMO, to recommend it. And no, I wouldn't take it until there is strong evidence that it works (not just papers that confirm what I want to believe). I might ask to be involved in a clinical trial.

Anyway, back on topic.

Quote:
Around that time, employer decided they would reduce his hours to 40% starting in August. The discussions happened a couple days before he got sick, contract was signed while he was sick. Now they are saying that from this month he is only 40% employed and therefore will receive only 80% of 40% = 32% salary.
I am not a lawyer (or a research scientist ), but this is my take:

The change in contract requires a notice period. Your husband became sick during the notice period, therefore the notice period freezes. Until the notice period is over, the contract may not be varied. To do otherwise is breach of contract.

Your husband has not worked out notice, has not been given sufficient notice, therefore the employer may not do this.

I suggest legal advice. But talk to the RAV first. They're not going to want to pay out if they don't have to, so might be on your side!
__________________
Down with racism. Long live miscegenation!
Reply With Quote
The following 5 users would like to thank NotAllThere for this useful post:
  #29  
Old 21.08.2021, 08:06
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post

I am not a lawyer (or a research scientist ), but this is my take:

The change in contract requires a notice period. Your husband became sick during the notice period, therefore the notice period freezes. Until the notice period is over, the contract may not be varied. To do otherwise is breach of contract.

Your husband has not worked out notice, has not been given sufficient notice, therefore the employer may not do this.

I suggest legal advice. But talk to the RAV first. They're not going to want to pay out if they don't have to, so might be on your side!
Unfortunately it was not an open ended contract.

Quote:
View Post
His old contract expired at the end of July - it's a yearly thing, and renewal at the same %/number of hours is never a given - and even if it had been an indefinite contract, we are now past the 3 months where sickness protects your job. The way I understand it, if he hadn't signed the new one, all that would have happened is he'd be totally unemployed right now rather than just partially... I reckon the RAV would be even less impressed by that. At this point it looks like we'll just have to take our scolding with good grace and move on.
Reply With Quote
The following 6 users would like to thank fatmanfilms for this useful post:
  #30  
Old 21.08.2021, 08:29
Forum Legend
 
Join Date: Mar 2009
Location: Zurich
Posts: 14,036
Groaned at 1,374 Times in 914 Posts
Thanked 21,133 Times in 8,074 Posts
Chuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond reputeChuff has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

That sucks to hear MathNut and I wish you and DB (and the rest of the family) all the best recovering from this.
Reply With Quote
The following 5 users would like to thank Chuff for this useful post:
  #31  
Old 21.08.2021, 10:17
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 32,802
Groaned at 2,651 Times in 1,883 Posts
Thanked 39,940 Times in 18,845 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Sorry to hear this.

Alas, to get unemployment payments one must be able to work.

No need to notify RAV before the start of the new contract, but one does need to have been looking for work for some months before then (with a fixed contract, probably only one month).

Best wishes to all,

Tom
Reply With Quote
The following 4 users would like to thank st2lemans for this useful post:
  #32  
Old 21.08.2021, 10:21
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post

No need to notify RAV before the start of the new contract, but one does need to have been looking for work for some months before then (with a fixed contract, probably only one month).

Best wishes to all,

Tom
Unfortunately it's 3 months before the end of a fixed contract.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #33  
Old 21.08.2021, 11:04
Junior Member
 
Join Date: May 2021
Location: Flughafen
Posts: 60
Groaned at 0 Times in 0 Posts
Thanked 7 Times in 6 Posts
LincolnAbrahams has no particular reputation at present
Re: Husband is sick, now his contract has been reduced

Do doctors really recognise long covid as a serious 100% illness?

For those people on long term stress or sick leave can they really start to rely on long covid as the reason for their illness given it is impossible to test so neither the doctor nor the patient can really rule it out or rely on it?

In my circle of friends I have two people who are on long term sick since may this year due to burn out/covid/missing family/loneliness and the insurance company are pressuring them to resign. Can long covid really be used a potential illness that merits investigation by the psychiatrist / medical doctor
Reply With Quote
  #34  
Old 21.08.2021, 11:34
curley's Avatar
Forum Legend
 
Join Date: Oct 2006
Location: canton ZH
Posts: 13,131
Groaned at 218 Times in 182 Posts
Thanked 15,264 Times in 7,847 Posts
curley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
Do doctors really recognise long covid as a serious 100% illness?

For those people on long term stress or sick leave can they really start to rely on long covid as the reason for their illness given it is impossible to test so neither the doctor nor the patient can really rule it out or rely on it?

In my circle of friends I have two people who are on long term sick since may this year due to burn out/covid/missing family/loneliness and the insurance company are pressuring them to resign. Can long covid really be used a potential illness that merits investigation by the psychiatrist / medical doctor
I guess doctors already do see the connection between "left-over" illnesses and having had corona.

The law and therefore the insurers don't yet. So what ever the patient suffers from in the aftermath will be assessed as what it is (shows as) according to their catalogue. The diagnosis "long covid" will have to be specified and taken into the catalogue one day but this - just like anything covid related - is still difficult to pin down. No one to blame really, the problem is new, the knowledge is little. What will long covid be? A life condition? A time limited condition? Will some heal from it and others not? All unknown factors.

I suffered from a whiplash for 25 years! Then it was gone. THAT was unexpected after all this time (yet happily noticed).

Someone mentioned IV. Same problem: Long covid not specified yet.
Not to mention that the IV procedure is always a long, annoying procedure. Still, a registration with IV should probably be done now - Pro Infirmis will have the answer to that, check well in order not to be too late but not too early either - due to the mentioned long process.

Definitely a tough situation, I wish you the stamina to endure it. At least DB is not alone, many fights against insurances are lost because the patient doesn't have the necessary strength to fight them properly. A thing I claim they count on (been there, worn the t-shirt). All the best.
__________________
It's all a matter or perspective.
So move your butt and look at it from the other side
Reply With Quote
The following 4 users would like to thank curley for this useful post:
  #35  
Old 21.08.2021, 12:06
Sky's Avatar
Sky Sky is offline
Forum Legend
 
Join Date: Apr 2009
Location: Somewhere special far away
Posts: 4,322
Groaned at 69 Times in 51 Posts
Thanked 7,190 Times in 2,662 Posts
Sky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond reputeSky has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Dear MN and DB

Absolutely gutted to read this. We miss you both very much here.

DB’s employer cannot do as they please
You need to sign up for invalidity insurance just in case?

The Confederation has helpful guidelines here:
https://www.bag.admin.ch/bag/en/home...ong-covid.html

Thinking of you

(Oops…. Sigh had also mentioned the link above)
Reply With Quote
The following 7 users would like to thank Sky for this useful post:
  #36  
Old 21.08.2021, 13:28
NotAllThere's Avatar
Modulo 2
 
Join Date: Oct 2008
Location: Baselland
Posts: 15,424
Groaned at 323 Times in 277 Posts
Thanked 24,039 Times in 9,782 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
Unfortunately it was not an open ended contract.
Darn. Missed that. Thanks.
Reply With Quote
The following 2 users would like to thank NotAllThere for this useful post:
  #37  
Old 21.08.2021, 13:40
Pancakes's Avatar
Forum Legend
 
Join Date: Nov 2009
Location: Zurich-ish
Posts: 5,280
Groaned at 300 Times in 215 Posts
Thanked 11,310 Times in 4,269 Posts
Pancakes has a reputation beyond reputePancakes has a reputation beyond reputePancakes has a reputation beyond reputePancakes has a reputation beyond reputePancakes has a reputation beyond reputePancakes has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

I'm sorry that I don't really have any advice to offer, but just want to say that I'm so sorry to hear that DB is struggling with Long Covid. My best friend and her teenage daughter are as well. My husband also has a work-mate who had to cut his work hours significantly due to having Long Covid in the form of severe "brain fog."

I very much hope that all will work out for you guys and that DB is feeling completely back to normal very soon!

For what it's worth, I have heard that the vaccines have been shown to help some people recover from Long Covid, but that is probably something that DB's doctor would be better informed about.
Reply With Quote
The following 3 users would like to thank Pancakes for this useful post:
  #38  
Old 21.08.2021, 15:40
NotAllThere's Avatar
Modulo 2
 
Join Date: Oct 2008
Location: Baselland
Posts: 15,424
Groaned at 323 Times in 277 Posts
Thanked 24,039 Times in 9,782 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
Do doctors really recognise long covid as a serious 100% illness? ...
Some recognise that there's a serious illness going on, some don't. Just like ME is/was.
Reply With Quote
The following 4 users would like to thank NotAllThere for this useful post:
  #39  
Old 21.08.2021, 19:08
FunnyBone's Avatar
Forum Veteran
 
Join Date: Jan 2015
Location: Earth
Posts: 902
Groaned at 41 Times in 28 Posts
Thanked 1,341 Times in 581 Posts
FunnyBone has a reputation beyond reputeFunnyBone has a reputation beyond reputeFunnyBone has a reputation beyond reputeFunnyBone has a reputation beyond reputeFunnyBone has a reputation beyond reputeFunnyBone has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Based on the BAG guidelines for long covid, it seems they treat it as a long term issue, including IV support if necessary.

https://www.bag.admin.ch/bag/en/home...ong-covid.html
Reply With Quote
The following 6 users would like to thank FunnyBone for this useful post:
  #40  
Old 21.08.2021, 21:08
MathNut's Avatar
Forum Legend
 
Join Date: Aug 2007
Location: Kt. Glarus
Posts: 4,415
Groaned at 34 Times in 32 Posts
Thanked 10,952 Times in 3,253 Posts
MathNut has a reputation beyond reputeMathNut has a reputation beyond reputeMathNut has a reputation beyond reputeMathNut has a reputation beyond reputeMathNut has a reputation beyond reputeMathNut has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Thanks, everyone, for your kind messages (both here and via PM/email/Whatsapp). Means a lot to both of us.

We have indeed fired off a query to Uncle Bertrand, poste restante, I'm sure he'll reply when he has a spare minute but he's doing some sort of volunteer residency in a nurses' training college, I gather there are many and varied demands on his time - all hours of the day and night apparently - one doesn't like to enquire too closely.

Quote:
View Post
Unfortunately it was not an open ended contract.
Ah, well it seems the plot thickens - I'm now hearing that it was an open-ended contract after all but that the *hours* and thus the payment were subject to these yearly adjustments. I genuinely don't know, never had cause to look into the details until now. He's going to dig up the contract and I'll take a look.

But if that's so, I am aware of at least one other case where a teacher on a similar contract was being let go completely, was unfortunately sick during the notice period and it did result in an extension. Maybe there's an important difference between being fully laid off and having vour % reduced, maybe there was something different about the contracts, maybe the other teacher's school showed un-required leniency, heck, maybe it "varies from canton to canton". Something to look into at any rate... even one extra month at 80% instead of 32% would go a long way toward bridging this gap.

All prayers/vibes/positive thoughts are very gratefully received - and if anyone can send extra sleepy energy to four very lively kids over here, that would be even more appreciated
__________________
Need help? Contact a mod.

Reply With Quote
The following 15 users would like to thank MathNut for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Sick leave and end of contract tralala1 Employment 0 07.03.2018 10:21
Offered New Contract, job reduced by 50% Sbrinz Employment 1 20.09.2016 11:44
Soon to be ex husband has to sign rental contract? TroyP Housing in general 13 23.09.2015 10:23
Taking sick leave right before a contract ends or while on RAV Konuku Insurance 20 13.01.2015 09:18
Mutual Concent Termination of Contract while on Sick Leave? defcon3 Employment 3 24.01.2014 17:19


All times are GMT +2. The time now is 01:21.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0