Sweden Finland Austria

5.
Unemployed for the whole year, non-insured. Single APW
There is no gross wage. The compensation is 51 × 5 × 118 = 30,090 FIM for a whole
year when the unemployed APW is not insured.
The gross compensation percentage is 30,090 / 137,046 × 100 = 22. The disposable
income is 24,924 FIM in this situation.

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The decrease in disposable income is 85,551 - 24,924 = 60,627 FIM or 70.9 per
cent.
The recipient is eligible to receive additional support for housing costs, either from
the housing benefit scheme or from social assistance.
6.
Wife unemployed for the whole year, insured. APW-couple
There is no gross wage for the wife. The compensation on a daily basis is: Basic
benefit of 118 FIM/day plus 42 per cent of the difference between 253.63 and 118 =
56.96 FIM/day, in total 174.96 FIM/day. The entry of 253.63 FIM/day is calculated
as 95.5 per cent of the actual monthly wage, i.e. 5,453 FIM or on a daily basis 5,453
: 21.5 = 253.63 FIM/day. There is no 20 per cent component. The calculated daily
benefit is paid for 5 days a week. There is a waiting period of 5 days (1 week), so the
compensation is 260 - 5 = 255 days × 174.96 FIM/day = 44,615 FIM.
The gross compensation percentage is 44,615 / 68,523 × 100 = 65. The disposable
income of the APW-couple is 121,408 FIM, when the wife is unemployed for the
whole year in 1996 and usually is working part time (½ APW income).
The decrease in disposable is 135,599 - 121,408 = 14,191 FIM or 10.5 per cent.
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
There is no gross wage. In Finland the compensation (’full pension’) is 85 per
cent of the lost income (70 per cent if the recipient is 65 or older), i.e. 116,489
FIM.
The gross compensation percentage is thus 85. The disposable income in this
case is 78,019 FIM.
The decrease in disposable income is 85,551 - 79,019 = 6,532 FIM or 7.6 per
cent.
2. Loss of 1/3 of the working capability
The loss of income is 45,682FIM. The compensation is 1/3 of the ’full pension’,
i.e. equivalent to 85 per cent of the lost income assuming 2/3 of the wage is
maintained. The compensation is 0.85 × 45,682 = 38,830 FIM.
The gross compensation percentage is thus 85. The disposable income is 83,604
FIM, when the APW has lost 1/3 of the working capability.
The decrease in dispoable income is 85,551 - 83,604 = 1,947 FIM or 2.3 per
cent.

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