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If you have legal expenses insurance, you should submit an application for cost approval to your provider in advance. Please also check whether your health insurance, supplementary insurance, contents insurance, Touring Club Switzerland (TCS) or union/professional association includes legal expenses cover.

Health insurance, IV/AI and other legal issues: here you find some answers!

Attention note

If you have legal expenses insurance, you should submit an application for cost approval to your provider in advance. Please also check whether your health insurance, supplementary insurance, contents insurance, Touring Club Switzerland (TCS) or union/professional association includes legal expenses cover.

Management of the invalidity insurance (IV/AI)

Law

Imagine the following scenario: you registered with the IV/AI office over a year ago but have not received anything yet. You have since lost your job, and your sick pay will be running out soon.

What can you do?

To move forward, the following action is advisable:

  • Request, in writing, all of the invalidity insurance files relating to your case, including any files that are "in progress" according to the IV/AI office.
  • Study the files to check what has been done and where the case stands.
  • If the rate of progress does not seem reasonable given the nature of the case, send a registered letter to the IV/AI office with the following content:
    • Set a deadline of 30 days.
    • Insist that a written decision is issued by a specified date (e.g. regarding occupational measures, daily benefits, medical clarification, or pension).
    • Explain that you will lodge a complaint of legal delay if the deadline is not met.

This usually works. If the specified deadline is not met, no plausible timescale is provided for the next steps and a prompt decision is not expected, then you should consider a complaint of legal delay.