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Ill for one week. Single APW
The gross wage is reduced by 1/52, i.e. 3,659 SEK. Compensation for illness in one
week is nothing for the first day (waiting period), 75 per cent of the gross income on

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a daily basis (0.75 x 190,260 = 142,695 / 260 = 548.83, rounded 549 SEK) for the
next 2 days and 90 per cent for the remaining 2 days (0.90 x 190,260 = 171,234 / 260
= 658.59, rounded 659 SEK). The compensation is (2 x 549) + (2 x 659) = 2,416
SEK.
The gross compensation percentage is 2,416 / 3,659 x 100 = 66. When the APW is
ill for one week his or her disposable income is 127,395 SEK.
The decrease in disposable income compared to the situation without illness is
128,228 -127,395 = 833 SEK or 0.6 per cent.
2.
Unemployed for 3 months during the year, insured. Single APW
The loss of income is 1/4 of the gross wage, i.e. 47,565 SEK. Unemployment
compensation is 80 per cent of the lost income with a maximum of 564 SEK a day.
80 per cent of the lost income on a daily basis is 0.80 x 190,260 = 152,208 / 260 =
585.42, rounded 585 SEK which is above the maximum of 564 SEK a day. For 13
weeks (5 days each) with a waiting period of 5 days the compensation is 60 x 564 =
33,840 SEK.
The gross compensation percentage is 33,840 / 47,565 x 100 = 71. The disposable
income of the APW with 25 per cent unemployment is 119,602 SEK.
The decrease in disposable income compared to the situation with no unemployment
is 128,228 - 119,602 = 8,626 SEK or 6.7 per cent.
3.
Unemployed for the whole year, insured. Single APW
There is no gross wage. The compensation is 255 x 564 = 143,820 SEK in the ’stan-
dard’ year used here.
The gross compensation percentage is 143,820 / 190,260 x 100 = 76. The disposable
income of the APW is 99,155 SEK, when he or she is unemployed for the whole of
1995.
The decrease in disposable income compared to the situation with no unemployment
is 128,228 - 99,155 = 29,073 SEK or 22.7 per cent.