Rockmybaby Nanny Agency Switzerland

Finding the right childcare solution for your family

Do I have to pay the full wages when my nanny / cleaner is unable to work due to long-term illness? — December 18, 2015

Do I have to pay the full wages when my nanny / cleaner is unable to work due to long-term illness?

Post from our Partner Quitt – for all your nanny / household staff payroll needs

It may very well happen that your domestic helper or nanny is unfit to work for a longer period of time due to a severe illness or pregnancy. In this particular case, must all wages be paid during the entire leave of absence?

Suddenly, there was pain. Off to the hospital a few days later. Diagnosis? Acute appendicitis. The surgery as well as the recovery go smoothly. The only catch? Unfit to work for a longer period of time.

Planed for a long time, finally worked out. The desired offspring is own its way. Anticipation is huge, the kid’s room is fully furnished and equipped. Thus, towards the end of the pregnancy, the doctor orders a strict bed rest. Consequence? Unfit to work for a longer period of time?

Incapacity for work is an issue that addresses employers as well as employees. It might be advisable to both parties to be secured against the above-mentioned cases. In case of prolonged absences due to illness of the employee, according to law the employer is required to pay full wages despite failing labor services (an overview of the different wage scales in Switzerland can be found here). Once the legal obligation of continued sick pay is elapsed, the employee will not be paid anymore. Certainly not an ideal scenario for both parties involved. The solution? A sick pay insurance.

Advantages of a sick pay insurance (KTG) for the employer.

A sick pay insurance has the advantage that the employer is no longer bound to the continued payment of wages required by law. In addition, during the waiting period of 14 days only 80% of the wages need to be paid. Why? The employer bears the risk of continued payment of wages to the insurance company.

The following sample calculation shows the advantage of a sick pay insurance for the employer.


Advantages of a sick pay insurance (KTG) for the employee.

For employees, in our case cleaners, domestic helpers, nannies, caregivers or babysitters, the advantage is very clear. Financial security is ensured even once the employer is no longer bound to the continued payment of wages required by law. In case of illness or pregnancy, 80% of total wages will be paid continuously. Therefore, a secure income will be provided until the employer is able to work again, to the maximum of 730 days.

Shared insurance premium

The premium of the sick pay insurance amounts to a total of 1.52 % of the gross wage. The total amount of the insurance premium is equally shared between the employer as well as the employee, amounting to 0.76 % for each. Even though a sick pay insurance is not compulsory in Switzerland, we highly recommend it.

The wish, to take out a sick pay insurance, can be expressed by both the employer as well as the employee.

You can take out the sick pay insurance by clicking here. Further information about our different kind of insurance solutions can be found here.

Do you have any questions regarding the sick pay insurance? Do not hesitate to contact Quitt for support in your domestic staff payroll needs.

Do I have to register our Babysitter for AHV? — December 16, 2015

Do I have to register our Babysitter for AHV?

Below blog post by our Partner Quitt (Quitt website) who take care of all your nanny / household staff


Most of us will have carried out small jobs for relatives, friends and neighbors in return for a minor payment at least once in life – the so-called pocket money jobs such as babysitting. Factually in doing so, a new working relationship is established. Will you have to register the employment with the AHV in accordance to Swiss law?

In most cases, pocket money jobs are considered to be a great way of generating additional income for students and teenagers. These small jobs help students to finance their university fees and enable teenagers to gain valuable work experience. Next to the most popular pocket money job in private households – babysitting – small services such as easy office work, computer tutoring, cleaning windows, gardening work and helping someone move houses are also considered to be pocket money jobs. However, many people are unaware of the fact that as soon as the babysitter is paid, he/she will become an employee and the parents who hire the babysitter will become employer.

New regulation for the AHV contribution obligation

By law all wages earned during any employment in private households must be declared and settled with the compensation offices (AHV). Does this also apply to babysitting? Yes and no!

The Swiss parliament has passed a new law (effective from 1st of January 2015) stating that adolescents (up to the age of 25) carrying out small jobs in private households and earning less than 750 CHF a year are exempt of all AHV contribution obligations. In other words, babysitter below the age of 25 making less than 750 CHF a year do not need to be registered with the compensation office by parents. Before the new law was passed, the age limit was 17.

Obviously 750 CHF per year is not necessarily all that much. Let’s say a babysitter is earning 15 CHF an hour, after only 50 hours of work (alternatively after one hour of work a week) the limit of 750 CHF has already been reached. As soon as this limit of 750 CHF a year is exceeded, babysitters that are not registered and insured correctly are due to legal issues. In such cases it is highly recommended to make sure that the babysitter is employed correctly.

Accident insurance for pocket money jobs

As part of the new regulation, no premium for the accident insurance for babysitting and other pocket money jobs must be paid as long as the employees are below the age of 25 and earning less than 750 CHF a year. In case of an accident during work in private households, the compensatory fund (Ersatzkasse) will cover the costs. Nevertheless, the Ersatzkasse might reclaim the insurance contributions to a maximum of 5 years, meaning that the employer must cover all costs incurred by the accident. In comparison to that, taking out an accident insurance for a babysitting is not only saver but also much cheaper.

Click here for the cheapest accident insurance for babysitters in Switzerland Quitt