Maternity allowance in Switzerland

New Maternity Laws: Job Losses? (September 2018).

Maternity Benefit is payable to mothers in Switzerland who are (still) in employment (on) on the day of birth ( terminated or undeclared). Even self-employed or women who work for a fee in the business of her husband, receive the mercy compensation.

This requires that you have been AHV insured for at least nine months prior to birth. In premature birth, this period is reduced to six months at birth before the seventh month of pregnancy, to seven months at birth before the eighth and eight months at birth before the ninth month of pregnancy. In any case, you must have worked at least five months before birth.

Claimants also have the right to daily allowance. Also insured are women who were insured in the compulsory insurance of an EU or EFTA state at the relevant time, but are in employment at the time of the birth in Switzerland. It does not matter if you resume work after maternity leave or not.

Unemployed mothers with or without daily benefits under unemployment insurance are also entitled to paid maternity leave. Likewise, mothers who are unable to work due to an accident or illness and receive sickness, accident or IV daily allowance. These payments are replaced by the maternity allowance.

From the day you are born, as a new mother, for 14 weeks (98 daily allowances), you receive 80 percent of your average earned income just prior to birth. However, the law defines an upper limit (2013: 196 francs per day or 7350 francs per month). The amount of the daily allowance is adjusted annually.

The money will be paid directly or in the case of employment to your employer, who will pass this on to you with your salary. Of course, every employer is free to pay you full wages during maternity leave. Then the employer will have to shell out the missing 20 percent from his own pocket.

If you have made some irregular gains in the last few months, the average earnings over the last three months are decisive. If this does not give you a decent income, you can consider a deadline of up to twelve months.

If the child has to stay longer in the hospital for health reasons after giving birth, the mother can request that the right to maternity allowance only starts when the child returns home.If the mother resumes employment within the 14 weeks after the birth (even if it is only part-time), the entitlement to the daily allowance with the first working day lapses.

How do I get my maternity allowance?

The maternity allowance is not automatically paid but you must apply for it with a registration form attached to the birth certificate. Permanent employees can submit the completed form to their employer, self-employed person directly with the responsible AHV compensation office. The right to maternity benefit may be claimed up to five years after the expiry of the 14-week maternity leave. After that, he goes out without further claims.

The payment of the maternity allowance takes place monthly and subsequently. Example: At birth on 10 July, the mother receives the first daily allowances at the beginning of August. From the daily allowance, the compensation fund deducts contributions to the AHV / IV / EO and from employees and unemployed to the ALV. Wage-based maternity pay is considered income and must be taxed.

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