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2.
Unemployed for 3 months during the year, insured. Single APW
The loss of income is 1/4 of the gross wage, i.e. 33,133 FIM. The compensation on
a daily basis is: Basic benefit of 118 FIM/day plus 42 per cent of the difference
between 490.56 and 118 = 156.48 FIM/day, in total 274.48 FIM/day. The entry in
the 42 per cent bracket is calculated as 132,533:12 = 11,044 FIM. The daily basis is
95.5 per cent of 11,044 FIM:21.5 = 490.56 FIM. This is lower than the ceiling which
is 90 × 118: 21.5 = 493.95 FIM/day, so there is no 20 per cent component. The
calculated daily compensation is paid for 5 days a week. There is a waiting period of
5 days (1 week), so the compensation is 65 - 5 = 60 days × 274.48 FIM/day = 16,469
FIM.
The gross compensation percentage is 16,469 / 33,133 × 100 = 50. The disposable
income of the APW is 74,847 FIM when he or she is unemployed 25 per cent of the
year.
The decrease in disposable income is 82,114 - 74,847 = 7,267 FIM or 8.8 per cent.
3.
Unemployed for the whole year, insured. Single APW
There is no gross wage. The compensation is 260 - 5 = 255 days × 274.48 FIM/day
= 69,992 FIM.
The gross compensation percentage is 69,992 / 132,533 × 100 = 53. The disposable
income of the APW is 52,314 FIM when he or she is unemployed for the whole year.
The decrease in disposable income is 82,114 - 52,314 = 29,800 FIM or 36.3 per
cent.
4.
Unemployed for 3 months during the year, non-insured. Single APW
The reduction of the gross wage is 33,133 FIM as in case 2. The compensation for
an APW, who is not a member of the voluntary unemployment insurance scheme, is
12 × 5 × 118 = 7,080 FIM, there is also a waiting period of 5 days in this scheme. 
The gross compensation percentage is 7,080 / 33,133 × 100 = 21. The disposable
income is 70,107 FIM in this situation.
The decrease in disposable income is 82,114 - 70,107 = 12,007 FIM or 14.6 per
cent.