Work

Arbeitslosenversicherung (ALV)

Unemployment Insurance

Simple Definition

State insurance that pays ~70-80% of your salary for up to 2 years if you lose your job.

Why this matters to Expats.

The Golden Safety Net. BUT: You must have worked in Switzerland for at least 12 months in the last 2 years to be eligible. If you arrive and get fired in Month 3, you get NOTHING.

Actionable Intelligence

The Penalty Days (Einstelltage): If you quit voluntarily or get fired for bad behavior, the RAV will punish you by cutting your payments for 1-3 months.

Salary Cap: Insured salary is capped at CHF 148,200. If you earn CHF 300k, your unemployment money is calculated on the 148k cap.

Frequently Asked Questions

Does it cover EU work?

Yes, periods of work in EU/EFTA countries count towards the 12-month rule (bring form PD U1).

Do I have to apply?

Yes, IMMEDIATELY. Register at the RAV on day 1 of unemployment.