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4.
Unemployed for 3 months during the year, non-insured. Single APW
The reduction of the gross wage is 47,565 SEK as in case 2. The compensation for
the non-insured APW is 60 x 245 = 14,700 SEK. There is a waiting period of 5 days
also in this scheme.
The gross compensation percentage is 14,700 / 47,565 x 100 = 31. The disposable
income is 107,657 SEK in this situation.
The decrease in disposable income compared to the situation with no unemployment
is 128,228 - 107,657 = 20,571 SEK or 16.0 per cent.
This scheme was ’reintroduced’ in January 1995 after having been ’out of operation’
in the 2nd half of 1994, when the unemployment insurance scheme was mandatory.
The rate (245 SEK/day) is also the minimum rate in the voluntary insurance scheme.

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5.
Unemployed for the whole year, non-insured. Single APW
There is no gross wage. The compensation is 255 x 245 = 62,475 SEK interpreted as
an annual rate. (The maximum period for which this compensation can be received
is in general not more than 30 weeks).
The gross compensation percentage is 62,475 / 190,260 x 100 = 33. The disposable
income is 43,879 SEK in this situation.
The decrease in disposable income compared to the situation with no unemployment
is 128,228 - 43,879 = 84,349 SEK or 65.8 per cent.
It should be mentioned, that the recommended minimum standard for a single person
in 1995 is 1.16 times the basic rate (’basbeloppet’) in the Swedish Social Security
System, i.e. 41,412 SEK excluding housing costs. Recipients of the benefit from this
scheme would, in many cases also be eligible for social assistance to supplement the
income.
As already mentioned, this scheme was ’reintroduced’ in January 1995.
6.