RAV Calculator Sub-Tools: Suspension Days, Interim Earnings & Deductions
The specialized PARAT RAV calculators provide precise calculations for specific situations under Swiss unemployment insurance law (AVIG). Here you will find answers to the most important questions regarding the four sub-tools.
1. Calculator for Suspension Days (Sanctions)
What are suspension days?
Suspension days (also known as "sanctions") mean that the unemployment fund does not pay daily allowances for a certain number of working days (pursuant to Art. 30 AVIG).
When are suspension days imposed?
Suspension days can be imposed for:
- Self-inflicted unemployment (e.g. resigning without a good reason).
- Insufficient job-seeking efforts before or during unemployment.
- Refusal of suitable work or failure to attend RAV appointments/measures.
How does the PARAT tool calculate suspension days?
The tool distinguishes based on severity of fault:
- Light fault: 1 to 15 suspension days
- Medium fault: 16 to 30 suspension days
- Severe fault: 31 to 60 suspension days
2. Calculator for Interim Earnings
What are interim earnings?
Interim earnings are income earned while unemployed (e.g. through temporary employment or part-time work).
Why are interim earnings worthwhile?
- Financial: Your total income (interim earnings + compensation payment) is higher than daily allowances alone.
- Preserving daily allowances: Every interim earning saves your regular daily allowance entitlement for the future.
- Experience: You remain active in the job market and build valuable contacts.
How is the compensation payment calculated?
The unemployment fund pays 80% (or 70% depending on maintenance obligations) of the difference between the insured earnings and the interim earnings achieved.
3. Calculator for Gross / Net Daily Allowance (Deductions)
What deductions are made from gross daily allowance?
Statutory social security contributions are deducted from the gross daily allowance paid by the unemployment fund:
- AHV / IV / EO: 5.3%
- NBU (Non-occupational accident insurance): Strict risk premium according to Suva tariff
- BVG (Pension fund): Risk contribution for disability and death
4. Calculator for Insured Earnings
How are insured earnings calculated?
Insured earnings are the average salary of the last 6 months prior to the onset of unemployment (or the last 12 months, if higher).
Which salary components count toward it?
- Base salary incl. 13th month salary
- Regular allowances and bonuses
- The maximum insured earnings according to AVIG is CHF 148'200 per annum (CHF 12'350 per month).