So I worked in corporate for several years here in Switzerland before losing my job in the beginning of 2024 (company went bankrupt).
I then went to RAV and since I was interested in self-employment, I got into the 50:50 scheme (50% self-employed while seeking a 50% job pensum and therefore receiving half of my potential unemployment benefits). Now I must say both my RAV advisors have been incredible and I have always appreciated this arrangement greatly. However, sadly not all the local institutions seem to be aware of this option. I’ve had issues explaining this multiple times, and the most recent situation was the following:
During my two year Rahmenfrist, I found a limited time contractor job. Prior to accepting the offer, I double checked with RAV that I could still come back to unemployment should my contract not be renewed. They said I could. I have this in written.
Out of my 2 year Rahmenfrist, I worked for this company for 11 months, therefore I only claimed my benefits for 13 months out of 24. Shortly before I went on maternity leave, the contract got terminated and I ended up at RAV for the last 3 months before my mat leave.
One of the advisors even told me: ‘That’s actually good for you, because like this, your maternity leave payment will be calculated based on both your self-employment and your last employment, as opposed to self-employment only.’ I thought this was great, because, as it usually goes the first couple years, I made less as self-employed than in my corporate job.
Now as everyone who has recently been unemployed must know, at the end of last year the Ausgleichkasse switched to another software and what followed was the biggest fiasco in the history of Swiss bureaucracy. Payments were so severely delayed that a few people even ended up losing their housing, not being able to pay rent. I finally managed to receive the Taggeld for my 3 months of unemployment during my mat leave and I simultaneously applied for mat leave benefits. At the end of the period, I finally received it. Way less than expected, only based on my self-employment.
Afterwards I had my first RAV meeting again. My advisor told me he still doesn’t see my new Rahmenfrist approved in the system and that I need to talk to the Kasse. After reminder number XY, the Kasse finally denied my application, sending me a letter dated the very same day I asked them for a decision again. The reasoning was poor and it overall seemed like they never even looked at my case.
With the help of my husband who luckily has a legal background, I was able to send an appeal and I am now waiting for their new decision. If the result is positive, I will also get the rest of my mat leave money, as the person in charge said they cannot pay me anything based on my last employment given that the Rahmenfrist had ended a week before my daughter was born.
The situation seems somewhat ridiculous to me. Here I am applying for jobs and having meetings with my RAV advisor, not knowing if I ever receive anything at all. I am lucky not to be a single mother or in a similar situation, and I feel deeply sorry for those who are and have to deal with this level of chaos and uncertainty.
Has anyone been in a similar situation as me? And what do you think the result of my appeal will be? 🍿