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WORKING IN SWITZERLAND

5 things you’ll only know if you work in Switzerland

Although it’s hard to make generalisations about Switzerland given the variety in languages and culture across such as small country, there are some aspects of Swiss working culture that you’ve probably come across during your time here.

5 things you’ll only know if you work in Switzerland
5 things you'll only know if you live in Switzerland. Photo by Israel Andrade on Unsplash

The concept of ‘Znüni’

Like many countries, the Swiss have the concept of sharing a coffee and a little sweet something with their colleagues in the afternoon. In German-speaking Switzerland, this is at 4pm and is called ‘Zvieri’. However, they also have a mid-morning snack at 9am called ‘Znüni’, which comes from the German ‘zu neun’, meaning ‘at nine’. And yes, 9am will be mid-morning for many Swiss people, as the working day in Switzerland often starts earlier.

The ‘13th month’ paycheck

The 13-month salary system is not part of the Swiss labour law as it is in some countries, it’s more a matter of custom, however nine out of 10 employers pay it this way.

This means that your annual earnings are calculated on, and paid out in, 13 instalments rather than 12. The idea behind this system is that the 13th instalment is paid out in December and is in effect, two months’ salary, and will help pay for Christmas expenses and other end-of-year bills. You can read more about how the 13th month salary is calculated.

How to navigate a polyglot office environment

Although an office will probably have one or even two ‘official’ languages depending on where they are in Switzerland (as some cantons are themselves multilingual), given the country has four official languages, it’s not unusual to hear colleagues speaking various languages depending on who they’re talking to. In fact, more than two-thirds of people over the age of 15 in Switzerland say they regularly use more than one language.

Over 60 percent of the Swiss population speak German as their main language and it’s the most widely used language in the workplace, followed by French.

However, the next most popular language in the workplace is English – which isn’t an official language of Switzerland, beating Italian, which is. A 2016 survey revealed that English was the most commonly spoken non-national language in Switzerland, regularly spoken by 45 percent of the population.

A recently released Swiss film also explored what would happen if Switzerland voted to be monolingual – with disastrous consequences.

Bring your own birthday cake

Some people from other cultures may have been baffled to find that, on their birthdays, they are expected to bring their own birthday cake to share with everyone in the office, when it’s the reverse in some other countries. A birthday celebration spread usually involves pastries, cake, bread and/or chocolate. And also don’t be surprised if an outgoing colleague picks up the bar tab for the drinks at their own leaving party.

Always arrive early

As Switzerland’s public transport system is famously reliable, so too is punctuality very much part of the culture, particularly in a professional setting. 10 to 15 minutes late won’t be received as just slightly and fashionable late by your Swiss colleagues, it’s potentially downright rude – better to arrive 15 minutes early, or, if it’s an extremely important event, even half an hour.

 

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For members

WORKING IN SWITZERLAND

The pitfalls of Switzerland’s social security system you need to avoid

In most cases, Switzerland’s social benefits system functions well. But there are also some loopholes you should know about.

The pitfalls of Switzerland's social security system you need to avoid

The Swiss social security system has several branches: old-age, survivors’ and disability insurance; health and accident insurance; unemployment benefits, and family allowances.

This is a pretty comprehensive package, which covers everyone who pays into the scheme for a wide variety of ‘what ifs’.

As the government explains it, “people living and working in Switzerland benefit from a tightly woven network of social insurance schemes designed to safeguard them against risks that would otherwise overwhelm them financially.” 

But while most residents of Switzerland are able to benefit, at least to some extent, from this system, others don’t.

What is happening?

If someone becomes ill or has an accident, Switzerland’s compulsory health insurance and / or accident insurance will cover the costs.

However, a prolonged absence from work can become costly.

That is especially the case of people employed by companies that don’t have a collective labour agreement (CLA), a contract negotiated between Switzerland’s trade unions and employers or employer organisations that covers a wide range of workers’ rights. 

READ ALSO: What is a Swiss collective bargaining agreement — and how could it benefit you?

It is estimated that roughly half of Switzerland’s workforce of about 5 million people are not covered by a CLA.

If you just happen to work for a company without a CLA, your employer is not required to pay your salary if your illness is long.

You will receive money for a minimum of three weeks – longer, depending on seniority — but certainly not for the long-haul.

You may think that once your wages stop, the disability insurance (DI) will kick in.

But that’s not the case.

The reason is that DI can be paid only after a year after the wages stop. In practice, however, it sometimes takes several years of investigations and verifications to make sure the person is actually eligible to collect these benefits, rather than just pretending to be sick

In the meantime, these people have to use their savings to live on.

What about ‘daily allowance insurance’?

Many companies (especially those covered by a CLA) take out this insurance, so they can pay wages to their sick employees for longer periods of time.

However, this insurance is optional for employers without a CLA is place.

As a result, small companies forego it because it is too much of a financial burden for them.

And people who are self-employed face a problem in this area as well: insurance carriers can (and often do) refuse to cover people they deem to be ‘too risky’ in terms of their age or health status.

Critics are calling the two situations —the length of time it takes for the disability insurance to kick in and gaps in the daily allowance insurance—”perhaps the biggest failures of the social security system.”

Is anything being done to remedy this situation?

Given numerous complaints about the unfairness of the current system, the Social Security and Public Health Commission of the Council of States (CSSS-E) will look into the “consequences of shortcomings and numerous dysfunctions in long-term illness insurance.”

But not everyone in Switzerland sees a problem in the current situation.

According to the Swiss Insurance Association (SIA), for instance, “making daily sickness allowance insurance compulsory for employers would not have the desired effect. Due to false incentives, it would only exacerbate the upward trend in costs and premiums.”

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