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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 × ’basbeloppet’, that is 241,500 SEK in
1991). 
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 77,860 SEK in
1991.
The basic pension in the Swedish system is based upon the basic rate (’basbeloppet’)
which in 1991 was 32,200 SEK The basic pension consists of two components, a
basic amount which equals 32,200 × .96 = 30,912 SEK (single pensioner) and a
supplementary amount, 32,200 × .54 = 17,388 SEK. The basic pension is then
48,300 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-

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pensioner’ is 30,912 SEK in basic pension plus 77,860 SEK in ’ATP’ minus 28,509
SEK in personal tax, in total 80,263 SEK.
The net compensation percentage is 80,263 / 116,852 × 100 = 68.7.
The decrease in disposable income by retirement is 31.3 per cent in this situation.