Banking and insurance law

Unpaid bonuses to make up for "I left my job just over a year ago to do a specialisation. I was surprised to receive a letter the other day. What about it? Does it...

Paying with coins, yes, but... no more than a hundred! "The boss refused to let us pay the bill in coins alone. Does he have the right to do that? Alain, Denys & Henri, Vaud The law on monetary unity and...

My bank card has been stolen" My debit card issued by a local bank has been stolen. It was a Saturday and I wasn't able to alert my bank quickly. On the same day, the thieves withdrew the sum of CHF 5,000 from another bank's ATM. And who...

My flight was cancelled the day before departure" I was due to take the Easyjet flight to Tel Aviv on 8 July, but I was informed by e-mail that it had been cancelled the day before, because a large number of pro-Palestinian activists were arriving at Ben Guiron airport on the same day. This can happen when there's a strike or an eruption...

Freeing up accumulated pillars "Unemployed and suffering from a serious illness, I was recognised as disabled by 100%. When I became ill, I was not contributing to an occupational benefits scheme, so no supplementary invalidity pension is paid to me. However, I had previously built up an occupational pension credit and paid contributions to an insurance...

The advantages of a third pillar B "I read your contribution of 24 October 2016 about the third pillar "A", I'd like to build up a pension but I've also been told about a third pillar "B" and frankly I don't quite understand the difference. Does it offer the same advantages, particularly in terms of tax? Jacques, Carouge...

Unemployment in Switzerland Unemployment insurance in Switzerland is governed primarily by the Federal Law on Compulsory Unemployment Insurance and Compensation in the Event of Insolvency (LACI) and by the Ordinance on Compulsory Unemployment Insurance and Compensation in the Event of Insolvency (OACI).Article 2(1) of the LACI makes it compulsory for employees who are insured...

Stipulation for third parties "I have opened an account in my daughter's name so that she will have some savings when she settles down. I make regular payments into this account. It has been agreed that my daughter will be free to use it when she turns 20, but I'm wondering if I can withdraw money from the account. Marie,...

Health insurance for foreign nationals " Is membership of a Swiss health insurer compulsory if you live or work in Switzerland? Where do cross-border commuters who work in Switzerland and unemployed people who live in the European Union have to join?" Malorie, Geneva According to Article 3 of the LAMal, all persons domiciled in Switzerland must be insured...