Social insurance law

Social insurance issues arise for anyone at any stage in life. For example, we advise individuals on discontinuing work, the establishment of their own company, the creation of a family, divorce, retirement due to health or age. We also advise small and large enterprises on social insurance matters, whether in relation to insurance cover, the hiring of freelance staff (distinguishing between employed/self-employed) or the assertion of benefit claims. In our practice, we focus on the client's individual request so as to find the best possible solution across a number of legal areas.

 

“Social insurance law” questions

Supplementary benefits are intended to cover cost of living. Upon request, the qualifying income, the necessary expenses and the assets are examined. Income and assets which someone has waived are also counted as qualifying income. A gift or an advance against a future inheritance in the last five years can therefore have a boomerang effect. Such a waiver of assets is credited to the applicant, with the exception of a free amount of CHF 10,000.00 per year. Larger, one-off donations are distributed arithmetically over the years. When reallocating assets, the issue of support for relatives can also come into discussion.

This issue is regulated by law. The Federal Office of Public Health draws up the so-called Specialties list (K-s) listing the original preparations and generic medicines, including their costs. The basic insurance covers the costs of a medicinal product if it is listed on this specialties list, is prescribed by a doctor and is used for the approved use. Please note that the specialties list is exhaustive, i.e. if a product is not included in the list, the costs are not covered by the basic insurance. If preparations are compounded in the pharmacy as part of an extemporaneous preparation, the basic insurance will cover them if the preparation has been prescribed by a doctor and the active ingredients and excipients are listed in the medicines list with tariff (ALT). Please note the retention amount.

Last, the basic insurance also covers the costs of medicinal products on the List of drugs for birth defects and congenital disorders (GGML) that persons require due to a congenital defect and are not covered by the invalidity insurance.

An objection may be filed within 30 days against the unemployment fund’s ruling setting out the suspension days. Please refer to the notice of appeal rights in the order. It indicates where an objection must be filed. The objection must contain a prayer for relief and a statement of grounds. We would be happy to advise you on the objection procedure.

 

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