Income protection in Switzerland

Daily allowance and income loss: understand the Swiss systems

Sickness absence, an accident and lasting incapacity do not follow one route. This dossier connects salary continuation, LAMal or LCA sickness allowance, LAA accident benefits and AI/LPP transitions without adding or predicting their effects.

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Income protection in Switzerland

Paths through this guide

Identify the system, documents already held and competent body before drawing a conclusion; sensitive material remains in that body's official channels.

Income protection in Switzerland

Employee illness: salary continuation, insurance and certificate

During illness, salary continuation may arise from the Code of Obligations, a collective agreement, the employment contract or group insurance. Identify the solution that actually applies before interpreting a payslip or absence.

Read the guide Income protection in Switzerland

Sickness daily allowance: distinguish LAMal from LCA

Voluntary daily allowance may be governed by social health insurance under LAMal or a private LCA contract. Admission, reservations, benefits, transfer and dispute routes cannot be inferred from the insurer's name alone.

Read the guide Income protection in Switzerland

Employment ending: check transfer from group to individual cover

Ending employment can change access to group sickness allowance. Any right or offer to transfer depends on the legal regime, policy and exit communications; it must not be assumed from general practice.

Read the guide Income protection in Switzerland

Accident: separate LAA daily allowance from sickness cover

Income loss after an accident first depends on insured status, the event and the competent accident insurer. LAA cash benefits are examined individually and separately from sickness allowance.

Read the guide Income protection in Switzerland

Self-employed: build protection against income loss

Recognised self-employed status does not automatically create accident insurance, LPP membership or daily allowance. Protection should be mapped separately across income, continuing costs, voluntary contracts and compulsory social insurance.

Read the guide Income protection in Switzerland

Lasting incapacity: organise the transition to AI and LPP

When a limitation lasts, short-term allowance, AI rehabilitation, a possible AI pension and occupational pension benefits follow different conditions. This chapter organises contacts without duplicating the existing article on private life-insurance guarantees.

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Income protection in Switzerland

Distinctions that control the next step

Classify context, not health

Start with employment status, the broad cause and the period concerned. Medical assessment and entitlement decisions belong exclusively to qualified professionals and competent bodies.

Separate potential payers

Employer, sickness allowance insurer, accident insurer, AI office and pension institution rely on different legal or contractual bases. One body's answer does not automatically bind another.

Record the applicable basis

Employment contract, collective agreement, group or individual policy, LAMal, LCA, LAA and LPP do not produce one universal result. Record the basis cited in each written response.

Income protection in Switzerland

Verify the route in four steps

Identify the system, documents already held and competent body before drawing a conclusion; sensitive material remains in that body's official channels.

Classify context, not health
Start with employment status, the broad cause and the period concerned. Medical assessment and entitlement decisions belong exclusively to qualified professionals and competent bodies.
Separate potential payers
Employer, sickness allowance insurer, accident insurer, AI office and pension institution rely on different legal or contractual bases. One body's answer does not automatically bind another.
Record the applicable basis
Employment contract, collective agreement, group or individual policy, LAMal, LCA, LAA and LPP do not produce one universal result. Record the basis cited in each written response.
Obtain written confirmation
Contact the competent employer, insurer, AI office or pension institution directly and use only its secure channel.

Limits and essential checks

This hub calculates no income gap and confirms neither payment order nor aggregation of benefits.
General information only: no incapacity is assessed automatically and no diagnosis is made.
No entitlement, amount, deadline, rate, acceptance or contract change is promised; only the competent body may decide under the applicable rules.
ClairAssur is not a reporting channel: do not send documents, health data, diagnoses, claim numbers or free-text case descriptions here.

Map protection before comparing

The pension journey helps inventory contracts; it replaces no notification and requests no health data.

Compare pension protection View possible overlaps

Income protection in Switzerland

Continue without merging distinct systems

Read the guides, explore regional pages or prepare a comparison request separately from the calculation.

Employee illness: salary and certificate