If you work in front of a computer (IT, finance, consulting), your job is a dead man walking. Mass structural unemployment for white-collar high earners is inevitable. What are the hard financial limits of the ALV (RAV) fund? The maximum insured salary is CHF 148,200. This makes the max payout CHF 8,645 to CHF 9,880 per month. The ALV reserve currently sits around CHF 8.18 billion. 100,000 laid-off tech and finance workers claiming max benefits equals a burn rate of nearly CHF 1 billion per month. The 2.2% salary contributions from the remaining physical workforce (trades, healthcare, construction) will not cover this deficit. Questions:
- What is the exact theoretical percentage of unemployment the ALV can handle before going cash-flow negative?
- Has the government modeled a scenario where the highest contributors become the biggest drain?
- When the fund runs dry, what happens? Does the Confederation automatically bail it out, or are RAV payouts legally slashed? submitted by /u/AdrianRamzes
Originally posted by u/AdrianRamzes on r/Switzerland
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