Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #41  
Old 21.08.2021, 21:15
parnell's Avatar
Forum Veteran
 
Join Date: Aug 2008
Location: Geroldswil
Posts: 642
Groaned at 219 Times in 140 Posts
Thanked 2,165 Times in 1,024 Posts
parnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

DB is your husband - in that case I'd like to congratulate him on marrying you... hoe he gets better soon so that he can come back online and abuse the micks (richly deserved).
Reply With Quote
  #42  
Old 21.08.2021, 21:23
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
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
According to this admin.ch link you should contact IV now.
Reply With Quote
This user would like to thank curley for this useful post:
  #43  
Old 21.08.2021, 21:38
terrifisch
 
Posts: n/a
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
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.



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
Thinking of you and DB, Mathnut. This cannot be easy but know that many are thinking and praying for you and your family. To quote my late Mom, "This too shall pass!" Easier said than done I know... but I often think of her wise words when we, as a family, are going through a particularly trying time.

Hang in there
Reply With Quote
The following 7 users would like to thank for this useful post:
  #44  
Old 21.08.2021, 22:37
NotAllThere's Avatar
Modulo 2
 
Join Date: Oct 2008
Location: Baselland
Posts: 15,404
Groaned at 322 Times in 276 Posts
Thanked 24,001 Times in 9,765 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
[Me 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,
Interested to know that you're related to the 13th Duke of Wynbourne, but With his reputation? What were they thinking?
Reply With Quote
  #45  
Old 23.08.2021, 11:21
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 12,053
Groaned at 394 Times in 331 Posts
Thanked 15,875 Times in 7,301 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

You might want to post that somewhere else, absolutely no relevance to this topic…..
Reply With Quote
This user would like to thank roegner for this useful post:
  #46  
Old 23.08.2021, 11:22
TonyClifton's Avatar
Forum Veteran
 
Join Date: Sep 2019
Location: Hopefully soon to be Aargau
Posts: 2,109
Groaned at 946 Times in 528 Posts
Thanked 5,056 Times in 2,246 Posts
TonyClifton has a reputation beyond reputeTonyClifton has a reputation beyond reputeTonyClifton has a reputation beyond reputeTonyClifton has a reputation beyond reputeTonyClifton has a reputation beyond reputeTonyClifton has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
You might want to post that somewhere else, absolutely no relevance to this topic…..
Sorry, maybe you can move it? I just saw the post and wanted to reply...

Last edited by TonyClifton; 23.08.2021 at 11:37.
Reply With Quote
  #47  
Old 23.08.2021, 11:37
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
Maybe you can move it? I just saw the post and wanted to reply...
You can delete your post here, then post it in where-buy-ivermectin where-buy-ivermectin where you probably wanted to post it anyway.
Has happened to me too that my replies ended up in the wrong thread.
Reply With Quote
The following 3 users would like to thank curley for this useful post:
  #48  
Old 27.08.2021, 23:43
Forum Legend
 
Join Date: Aug 2015
Location: Zurich
Posts: 5,791
Groaned at 444 Times in 247 Posts
Thanked 6,736 Times in 3,083 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
Hi folks,

A few of you might remember me, used to be active on here before life and 4 kids got in the way.

My OH has been fighting Long Covid since early April and signed off work 100%. For the first three months he got his full salary, after that 80% of full salary - in both cases paid by the employer and I guess they claimed it back from their insurance - other than a single phone call last week and a consent form back in April, we have not dealt directly with their insurance company at all.

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.

Originally (back when we thought he'd be recovered long before now!) the plan was to sign on to RAV if necessary as a stopgap while he looks for full-time work, or additional part-time work, whichever. But the RAV isn't going to let him sign on at all if he's not able to work ("vermittlungsfähig") yet, correct?

Does his employer's insurance have a continued responsibility in this case, to cover 80% of his originally insured salary until he is well enough for the RAV to take him on? Does anyone? He is not Swiss but is on a C permit.

I feel like the bottom kinda fell out of the world here (not to mention out of our family's bank account...)

We have an email in to Pro Infirmis, first thing I did, but I don't suppose they'll see it until Monday. If anyone has advice to share in the meantime I'll be really grateful.
Hi Mathnut,

As it’s about DB - sadly missed (just happened to login out of boredom), am happy to give whatever I know - have also been through a sudden illness a few years ago (a stroke), and have also been subject to down-time. So am pretty much an expert on the ins and outs. Personally, I came out of it all very happy.

I didn’t read most of the previous posts - just got the jist - you know how it is.

DBs contract will stipulate how much time he is eligible to in terms of paid sickness leave - the HR dept will / should / are obligated to inform him of this.

It’s usually dependent on the amount of years employed by the same employer and the amount already taken since employment due to sick leave.

DB might not have this track record (it cost me my soul - but at least DB lived a wonderful life with you all!). I think that he is probably not under the protection of having been with the same employer for years, and so the responsibility from his employer is accordingly limited.

Also, if he is ill, yes, the RAV won’t accept him as being in a position to find a job. You need to be in a position to be able to find a job to qualify. So, he should fake it until he makes it.

Wishing you all the very best, we miss you
Reply With Quote
The following 3 users would like to thank ZuriRollt for this useful post:
  #49  
Old 28.08.2021, 15:31
Mullhollander's Avatar
Forum Legend
 
Join Date: Dec 2012
Location: Aargau
Posts: 2,757
Groaned at 11 Times in 10 Posts
Thanked 3,949 Times in 1,718 Posts
Mullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Possibly the following is of some value:

Many employers voluntarily offer Krankentaggeldversicherung (KTG) (short-term disability insurance for illness). This typically provides coverage at 80% for two years up to a limit.
- It appears that DB has this coverage.

After two years, if the employee is still ill, s/he would normally switch from KTG to the disability insurance provided by the pension fund. The maximum CHF coverage for 100% disability should be indicated on the annual pension statement.

Post 35 at this link contains a translation of a RAV document "Occupational benefits for unemployed persons", which might be helpful if RAV registration is being considered:

https://www.englishforum.ch/employme...nslated-2.html

As mentioned by others in this thread, RAV insurance coverage is weak for sickness with only up to 44 days of sickness coverage during the qualified period (Rahmenfrist). However, it can be possible to continue the employer's KTG (short-term disability insurance) from 31 days after employment termination with a premium adjustment. Please see post 38 at the above link for a translation of the RAV "A Guide for Insured - Unemployment", Annex A.
Reply With Quote
The following 3 users would like to thank Mullhollander for this useful post:
  #50  
Old 28.08.2021, 15:48
Forum Legend
 
Join Date: Aug 2015
Location: Zurich
Posts: 5,791
Groaned at 444 Times in 247 Posts
Thanked 6,736 Times in 3,083 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Husband is sick, now his contract has been reduced

Quote:
View Post
Hang in there, guys. I think RAV should compensate, but am not sure. Hope somebody will chime in.
I was thinking back again to my previous post. In my case of sudden illness (it’s irrelevant to any insurance whether it’s COVID related or not - currently).

As said, the employer is only accountable for the normal compensation, which takes into account the time employed and the number of sick days already taken during the employment. I for example, would have been down shits creek if I hadn’t already been employed at the same company (unfortunately and unhappily since 10 years). But I came out of it really well and happy - but I was old enough to take early retirement. It took a lot of research, planning and waiting (2 years to get there), but I did it - even got a good compensation package.

But 2 -3 years ago my only other option would have been to apply for IV (Invaliden Versicherung). DB will anyway be invited to go through this interview procedure in advance, as I was. He will be questioned on your financial and health status in detail.

It was fine, but truly humiliating, especially when you feel really ill, and already aware that the World may be suddenly collapsing around you.

Reading your post, I think that the reduction to his Pensum to 40% would have been due to the obligatory re-integration process - which would have needed to be approved by both DB and his doctor. The employers insurance would cover for the shortfall, dependent on the time employed. If he approved, and then rejected this, then it’s not viewed positively.

Hang-in there. There is such a shortage and demand for teachers right now in Switzerland (I seem to remember that DB is one - apologies if wrong, and no idea about Glarus):

https://www.tagesanzeiger.ch/schulle...r-854775514984

Wishing you both all the very best
Reply With Quote
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 08:57.


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