Sweden Finland Austria

6.
Wife unemployed for the whole year, insured. APW-couple
There is no gross wage for the wife. The compensation is 80 per cent of the lost
income, i.e. 91,550 x 0.8 = 73,240 / 260 = 281.69 SEK, rounded = 282 SEK on a
daily basis. Total compensation is 71,910 SEK.
The gross compensation percentage is then 80. The disposable income of the APW-
couple is 178,651 SEK, when the wife is unemployed for the whole year in 1994 and
usually is working part time.
The decrease in disposable income compared to the situation with no unemployment
is 193,451 - 178,651 = 14,800 SEK or 7.7 per cent.
7.
Injured from work. Single APW
The effects of injuries from work are investigated in two cases. In the first there is a
complete loss of working capability. In the second, the working capability is reduced
by 33.3 per cent.
1. Working capability completely lost.
In Sweden there is full compensation for the loss of income caused by injuries
from work (if the income is within 7.5 x ’basbeloppet’, that is 264,000 SEK in
1994). 
There is no change in the disposable income of the APW in this situation.
2. Loss of 1/3 of the working capability.
There is, also in this situation with partial loss of the working capability, full
compensation for the lost wage income.
There is no change in disposable income.
8.
Pensioner with maximum period of former occupation. Single APW
Retirement at ’usual’ age, here 65 years
It is assumed, that the APW has gained pension rights for 30 years (that is a ’full’
period in the Swedish additional pension scheme). This is also feasible, since the
system started in 1960. It is further assumed, that the average number of ’pension-
points’ is 4.03 (the actual number in 1989). This average is slightly increasing over
time. On these assumptions the additional pension (ATP) will be 83,411 SEK in
1994.

---

202
The basic pension in the Swedish system is based upon the basic rate (’basbeloppet’)
which in 1994 was 35,200 SEK The basic pension consists of two components, a
basic amount which equals 35,200 x .96 x .98 = 33,116 SEK (single pensioner) and
a supplementary amount, 35,200 x .555 x .98 = 19,145 SEK. The basic pension is
then 52,261 SEK for a single pensioner. If the pensioner has no additional income he
or she pays no taxes. When the pensioner has income from the additional pension
scheme the supplementary amount in the basic pension is means tested and reduced
by 1 SEK for each SEK in additional pension. The disposable income for the ’APW-
pensioner’ is 33,116 SEK in basic pension plus 83,411 SEK in ’ATP’ minus 31,025
SEK in personal tax, in total 85,502 SEK.
The net compensation percentage is 85,502 / 126,902 x 100 = 67.4.
The decrease in disposable income by retirement is 32.6 per cent in this situation.