Unemployment Insurance (ALV) in Switzerland
Swiss unemployment insurance (ALV) provides income replacement in the event of job loss. It is jointly financed and pays 70–80% of the insured salary for up to 400 days (520 days for employees over 55).
Eligibility Requirements
To receive ALV daily allowances you must: have completed at least 12 months of AHV-liable employment within the past 2 years (contribution period), be fit for work and willing to work, not have caused the job loss yourself, and be registered with the RAV (regional employment centre). Employees who voluntarily resign are excluded from benefits for 5–60 days (suspension days, Einstelltage).
Benefit Amount
The ALV daily allowance rate is 80% of the insured salary for employees with dependants or disability; 70% for all others. Calculation basis: average salary over the prior 6 months (or 12 months for variable incomes), capped at CHF 148,200/year (2026). Allowances are taxable and reported on the annual wage certificate.
Duration of Benefits
Up to 400 daily allowances within a 2-year period for employees under 55 with sufficient contribution time. Employees over 55 are entitled to up to 520 daily allowances. Those with fewer than 12 months of contributions are entitled to 90–200 days. Short-time work (KAE) does not count against the benefit framework period.
Registering with the RAV
Register at the RAV on the first working day after the start of unemployment. Registration can be done online via the AVIG Online portal. Documents required: termination notice or end of contract, AHV card, wage certificates for the past 12 months, proof of domicile. A RAV counsellor is assigned to assist with job searching.
Frequently Asked Questions
How long can I receive unemployment benefits in Switzerland?
Up to 400 daily allowances within 2 years (for employees under 55 with sufficient contribution time). Over-55 employees: up to 520 days.
How much is the unemployment allowance in Switzerland?
80% of the insured salary (with dependants) or 70% (without). Cap: CHF 148,200/year gross salary basis.
Do I lose benefits if I resign voluntarily?
Not entirely. You receive suspension days (5–60 days without benefits). The exact number depends on the reason for resignation and the degree of fault.