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Ill for one week. Single APW
The gross wage is reduced by 1/52, i.e. 3,937 SEK. Compensation for illness in one
week is nothing for the first day (waiting period) and 75 per cent of the gross income

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on a daily basis (0.75 × 204,714 = 153,536 / 260 = 590.52, rounded 591 SEK) for the
next 4 days. The compensation is 4 × 591 = 2,364 SEK.
The gross compensation percentage is 2,364 / 3,937 × 100 = 60. When the APW is
ill for one week his or her disposable income is 134,679 SEK.
The decrease in disposable income compared to the situation without illness is
135,645 -134,679 = 966 SEK or 0.7 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. 51,179 SEK. Unemployment
compensation is 75 per cent of the lost income with a maximum of 564 SEK a day.
75 per cent of the lost income on a daily basis is 0.75 × 204,714 = 153,536 / 260 =
590.52, rounded 591 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 × 564 =
33,840 SEK.
The gross compensation percentage is 33,840 / 51,179 × 100 = 66. The disposable
income of the APW with 25 per cent unemployment is 124,867 SEK.
The decrease in disposable income compared to the situation with no unemployment
is 135,645 - 124,867 = 10,778 SEK or 7.9 per cent.
3.
Unemployed for the whole year, insured. Single APW
There is no gross wage. The compensation is 255 × 564 = 143,820 SEK in the
’standard’ year used here.
The gross compensation percentage is 143,820 / 204,714 × 100 = 70. The disposable
income of the APW is 97,976 SEK, when he or she is unemployed for the whole of
1996.
The decrease in disposable income compared to the situation with no unemployment
is 135,645 - 97,976 = 37,669 SEK or 27.8 per cent.