Sweden Finland Austria

Wife unemployed for the whole year, insured. APW-couple
There is no gross wage for the wife. The compensation is 255 × 295 = 75,225 SEK.
The daily compensation of 293 SEK is calculated as 0.75 × 102,357 = 76,768 / 260
= 295.26 SEK, rounded 295 SEK. The maximum benefit, 564 SEK a day, is not
reached. The minimum benefit in 1996 is 230 SEK/day.
The gross compensation percentage is 75,225 / 102,357 × 100 = 73.5. The dispos-
able income of the APW-couple is 187,727 SEK, when the wife is unemployed for
the whole year in 1996 and usually is working part time (½ APW income).
The decrease in disposable income compared to the situation with no unemployment
is 207,614 - 187,727 = 19,887 SEK or 9.6 per cent.
7.
Injured from work. Single APW
The effects of injuries from work are studied 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 271,500 SEK in
1996).
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 within the usual income limit of 7.5 ×
’basbeloppet’.
There is no change in disposable income.

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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 present Swedish additional pension scheme). This is also feasible, since
the system started in 1960. It is further assumed, that the average number of ’pen-
sion-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 85,781 SEK
in 1996.
The basic pension in the Swedish system is based upon the basic rate (’basbeloppet’)
which in 1996 was 36,200 SEK. The basic pension consists of two components, a
basic amount which equals 36,200 × .96 × .98 = 34,057 SEK (single pensioner) and
a supplementary amount, 36,200 × .555 × .98 = 19,689 SEK. The basic pension is
then 53,746 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-
pensioner’ is 34,057 SEK in basic pension plus 85,781 SEK in ’ATP’ minus 32,636
SEK in personal tax, in total 87,202 SEK.
The net compensation percentage is 87,702 / 135,645 × 100 = 64.4.
The decrease in disposable income by retirement is 35.6 per cent in this situation.