Sweden Finland Austria

5.
Unemployed for the whole year, non-insured. Single APW
There is no gross wage. The compensation is 260 - 7 = 253 days × 118 FIM/day =
29,854 FIM for a whole year when the unemployed APW is not insured. The benefit
is flat-rate.
The gross compensation percentage is 29,854 / 141,157 × 100 = 21. The disposable
income is 25,378 FIM in this situation.
The decrease in disposable income compared to the situation without unemployment
is 90,449 - 25,378 = 65,071 FIM or 71.9 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 261.26 and 118 =
60.17 FIM/day, in total 178.17 FIM/day. The entry of 261.26 FIM/day is calculated
as 95.5 per cent of the actual monthly wage, i.e. 5,617 FIM or on a daily basis 5,617
: 21.5 = 261.26 FIM/day. There is no 20 per cent component. The calculated daily
benefit is paid for 5 days a week. There is a waiting pediod of 7 days (1 2/5 week),
so the compensation is 260 - 7 = 253 days × 178.17 FIM/day = 45,077 FIM. There
is no maximum benefit, the minimum is 118 FIM/day.
The gross compensation percentage is 45,077 / 70,579 x 100 = 64. The disposable
income of the APW-couple is 127,841 FIM, when the wife is unemployed for the
whole year in 1997 and usually is working part time (½ APW income).
The decrease in disposable income compared to the situation without unemployment
is 142,928 - 127,841 = 15,087 FIM or 10.6 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. 119,983
FIM.
The gross compensation percentage is thus 85. The disposable income in this
case is 83,508 FIM.
The decrease in disposable income compared to the situation without injuries is
90,449 - 83,508 = 6,941 FIM or 7.7 per cent.
2. Loss of 
D
 of the working capability

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The loss of income is 47,052 FIM. 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 × 47,052 = 39,994 FIM.
The gross compensation percentage is thus 85. The disposable income is 88,417
FIM, when the APW has lost 
D
of the working capability.
The decrease in dispoable income compared to the situation without injuries is
90,449 - 88,417 = 2,032 FIM or 2.2 per cent.