this is mainly due to the exhaustion of temporary ub and the assumed ineligibility for social assistance and housing benefits which will be analysed separately below similar drops can be observed in other countries when unemployment enters a third eg netherlands switzerland or fourth year eg sweden iceland the average net replacement rate averaged over the first two years of an unemployment spell is displayed for and while the generosity of ub remained fairly steady between and in most countries it increased significantly in some of them especially in the united states