Unpaid leave

Employer
Employee
Unpaid leave
Summary

Employer
Employee
Unpaid leave
Summary
infoPanel

Details of the employer

Company

Contract number

*Mandatory fields

Details of the employee

Policy no.

Title

First name

Last name

Street

No.

Postcode

Place

Country

Date of birth

Marital status

E-mail

*Mandatory fields

Information on unpaid leave

Start of unpaid leave

Resuming work

Please note: If your employee is planning unpaid leave of less than one month, you do not need to report this to us. In this case, membership of the benefit scheme continues in full.

Please note: If your employee is planning to take more than twelve months of unpaid leave, the insurance will be automatically suspended after 12 months and both the risk premiums and the savings premiums will be suspended from then until the employee resumes work. It is not possible to take unpaid leave for more than twelve months. Please note that your employee basically bears the risk himself/herself after 12 months.

Annual salary upto unpaid leave

Annual salary on resumption

Degree of employment upto unpaid leave

Degree of employment at resumption

How should your employee continue to be insured against sickness while on unpaid leave?

Continuation of insurance without change (variant 1)
Risk cover remains in place (variant 2)
Suspension of insurance (variant 3)

Continuation of insurance without change (variant 1)

The benefits and financing will be maintained without change for the duration of the unpaid leave and the employee remains fully insured under the occupational pension plan.

The employer is still the party that owes the premiums to the Foundation (under the contract of association). A change of financing must be resolved bilaterally between the employer and the employee.

Risk cover remains in place (variant 2)

Only risk cover (including waiver of savings contributions) is maintained for the duration of the unpaid leave. Savings contributions are suspended, which means that the savings process is interrupted for the duration of the leave.

This reduces the future retirement savings, and future retirement pensions can be expected to be smaller. This gap can potentially be bridged later when the employment relationship is taken up again.

The employer is still the party that owes the premiums to the Foundation (under the contract of association). A change of financing must be resolved bilaterally between the employer and the employee.

Suspension of insurance (variant 3)

During unpaid leave, both risk premiums and savings premiums are suspended for the duration of the unpaid leave.

Note: This means that the employee basically bears the risk himself/herself during unpaid leave.

LAI interim accident insurance

Is LAI interim accident insurance already in place?

Note: Under the LAI, accident cover lapses 31 days after the start of unpaid leave. The insured person has the option of maintaining accident cover for a maximum of six months with LAI interim accident insurance. The Foundation recommends taking out LAI interim accident insurance for unpaid leave.

Name of insurer

Street

No.

Postcode

Place

Good to know

Accident coverage and daily sickness benefits

If the unpaid leave lasts longer than 7 months, we recommend checking accident coverage for medical costs with the health insurance company.

We would also like to point out that during unpaid leave the entitlement to daily sickness benefits also ceases. We recommend clarifying any possibilities for extending cover.

Confirmation employer

I hereby confirm that the employee in question has been provided with detailed information on LAI interim accident insurance and the choice of insurance cover. The employee explicitly agrees to the choice of insurance cover made above.

This registration was entered by

First name

Last name

Your mail address for possible clarifications

*Mandatory fields

Summary

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Data protection

All personal data will be processed in accordance with the current legislation:
For compulsory occupational benefits, the data protection regulations of LOB (Art. 85a ff. LOB) apply. The provisions of the FADP apply in addition. The FADP applies to purely supplementary occupational benefits (for information e.g. identity and contact details of responsible persons, processing purposes, etc. please see www.helvetia.ch/privacy).

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Good to know

Difference between suspension of work and unpaid leave

A suspension of work corresponds to a regularly recurring time-out which is typical of the work carried out (e.g. seasonal employment as a ski instructor), or the suspension of work takes place at the employer's request (e.g. for an internship or training abroad).
A period of unpaid leave is usually a one-off time-out from work, regardless of an employee's contractual holiday entitlement, which the insured person has voluntarily chosen to take and during which the employment relationship continues without remuneration.
When an employee who is not employed for the whole year leaves the company permanently, this must be reported as a definitive departure.

Conditions for unpaid leave

This registration must be submitted before the start of unpaid leave.
The employment relationship cannot start or end with unpaid leave.
While on unpaid leave, your employee is not permitted to engage in any other regular gainful employment.
The contributions are financed in accordance with the Regulations, although the employer and employee may agree a different form of financing. Under all circumstances, the employer remains the party that owes the premiums to the Foundation.

Accident coverage and daily sickness benefits

In order to be covered against the risk of disability or death as a result of an accident during unpaid leave, we strongly recommend taking out interim accident insurance. This can be taken out for a maximum of 6 months and must be applied for within 31 days of the start of your leave. If the unpaid leave lasts longer than 7 months, we recommend checking accident coverage for medical costs with the health insurance company. We would also like to point out that during unpaid leave the entitlement to daily sickness benefits also ceases. We recommend clarifying any possibilities for extending cover.

Details of the employer

Details of the employee

Information on unpaid leave

Continuation of insurance without change (variant 1)

Risk cover remains in place (variant 2)

Suspension of insurance (variant 3)

LAI interim accident insurance

Good to know

Confirmation employer

Summary

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Data protection