Unemployment is a situation that can happen to anyone at one time or another in their working life. Indeed, no one controls the circumstances under which he may lose a job or be unable to earn a living to feed a family.
It is therefore in order to protect ourselves that our supplementary unemployment insurance has been put in place. It allows you to keep your financial situation afloat in the event of a job loss. The explanations in the following lines:
Risks covered by supplementary unemployment insurance
When you find yourself facing unemployment, your income drops from 20 to 30%. This puts you in difficulty with your family obligations. In particular to pay the costs related to the daily running of your household.
These difficulties can become even more serious if you have dependent children. Or also when your spouse is unemployed!
It is therefore essential to ensure that whatever happens in your work, you will continue to receive enough money to support your family. This is where supplementary unemployment insurance can make all the difference in your situation.
Indeed, it covers the risk of loss of salary and this, up to what you could miss in the event of proven unemployment.
How the supplementary unemployment insurance works
You should know that the Swiss unemployment insurance system will only pay you 70% of your salary in the event of unemployment. And 80% if you have dependent children. It will then be based on the average of your salary for the last 6 months. Supplementary unemployment insurance will therefore cover the loss of earnings resulting from this drop in yield.
It goes without saying that the coverage thus provided will depend on the amount that you wish to insure under unemployment insurance, but the indemnity can go up to 2,000.- per month. This insurance is all the more interesting asit is very easy to subscribe directly online. The duration of engagement is also intended to be free, which gives you the option to terminate at any time. On the other hand, you must be able to justify continuous employment during the last 12 months preceding your subscription request. A minimum of weekly working hours is also required, ie 30 hours per week. Beyond a certain amount of coverage, you may also have to justify a minimum wage.
How to take advantage of unemployment insurance:
Nothing's easier ! In a few clicks, obtain a non-binding offer at the following link: https://lica.ch/assurance-chomage-complementaire
Do you have other questions about how unemployment insurance works? In this case contact us on the chat or by phone to discuss it with one of our specialists who will be able to answer all your questions!