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2.
Unemployed for 3 months during the year, insured. Single APW
The loss of income is 1/4 of the gross wage, i.e. 35,289 FIM. The compensation on
a daily basis is: Basic benefit of 118 FIM/day plus 42 per cent of the difference
between 493.95 and 118 = 157.90 FIM/day plus 20 per cent of the difference be-
tween 522.51 and 493.95 = 5.71 FIM/day, in total 281.61 FIM/day. The ceiling of
the 42 per cent bracket is calculated as 90 × 118 = 10,620 FIM/month or on a daily
basis 10,620 : 21.5 = 493.95 FIM. The base for the calculation is 95.5 per cent of the
actual monthly wage, i.e. 141,157:12 × 0.955 = 11,234 FIM/month or on a daily
basis 11,234 : 21.5 = 522.51 FIM, the entry in the 20 per cent bracket. The calculated
daily benefit is paid for 5 days per week. There is a waiting period of 7 days (1 2/5
week), so the compensation is 65-7 = 58 days × 281.61 FIM/day = 16,333 FIM.
There is no maximum benefit, the minimum is 118 FIM/day.
The gross compensation percentage is 16,333 / 35,289 × 100 = 46. The disposable
income of the APW is 81,618 FIM when he or she is unemployed 25 per cent of the
year.
The decrease in disposable income compared to the situation without unemployment
is 90,449 - 81,618 = 8,831 FIM or 9.8 per cent.
3.
Unemployed for the whole year, insured. Single APW
There is no gross wage. The compensation is 260-7 = 253 days × 281.61 FIM/day =
71,247 FIM. There is no maximum benefit, the minimum is 118 FIM/day.
The gross compensation percentage is 71,247 / 141,157 × 100 = 50. The disposable
income of the APW is 54,917 FIM when he or she is unemployed for the whole year.
The decrease in disposable income compared to the situation without unemployment
is 90,449 - 54,917 = 35,532 FIM or 39.3 per cent.
4.
Unemployed for 3 months during the year, non-insured. Single APW
The reduction of the gross wage is 35,289 FIM as in case 2. The compensation for
an APW, who is not a member of the voluntary unemployment insurance scheme, is
65 - 7 = 58 days × 118 FIM/day = 6,844 FIM, there is also a waiting period of 7 days
in this scheme. The benefit is flat-rate.
The gross compensation percentage is 6,844 / 35,289 × 100 = 19. The disposable
income is 76,430 FIM in this situation.
The decrease in disposable income compared to the situation without unemployment
is 90,449 - 76,430 = 14,019 FIM or 15.5 per cent.

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