Mandatory accident (LAA) & collective sickness benefits: the employer's covers

LAA: what the law says

• Occupational accidents: mandatory for all employees, premium paid by the employer.
• Non-occupational accidents: mandatory from 8h/week, premium in principle paid by the employee.
• Benefits: treatment costs, daily benefits (80% from day 3), pensions.

Collective daily sickness benefits

Covers salary during illness, typically 80% for 730 days after the chosen waiting period. Without it, the salary obligation under the Code of Obligations (Bern/Zurich scales) remains time-limited, a real risk for the company and the employee alike.