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6.
Wife unemployed for the whole year, insured. APW-couple
There is no gross wage for the wife. The compensation is 90 per cent of the lost
income, i.e. 85,500 × 0.9 = 76,950 / 260 = 295.96 SEK, rounded = 296 SEK on a
daily basis. Total compensation is 76,960 SEK.
The gross compensation percentage is then 90. The disposable income of the APW-
couple is 181,460 SEK, when the wife is unemployed for the whole year in 1992 and
usually is working part time.
The decrease in disposable income is 187,982 - 181,460 = 6,522 SEK or 3.5 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
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 252,750 SEK in
1992). 
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.
There is no change in disposable income.
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 Swedish additional pension scheme). This is also feasible, since the
system started in 1960. It is further assumed, that the average number of ’pension-
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 81,487 SEK in
1992.
The basic pension in the Swedish system is based upon the basic rate (’basbeloppet’)
which in 1992 was 33,700 SEK The basic pension consists of two components, a
basic amount which equals 33,700 × .96 = 32,352 SEK (single pensioner) and a
supplementary amount, 33,700 × .54 = 18,198 SEK. The basic pension is then
50,550 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-

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pensioner’ is 32,352 SEK in basic pension plus 81,487 SEK in ’ATP’ minus 29,743
SEK in personal tax, in total 84,096 SEK.
The net compensation percentage is 84,096 / 123,099 × 100 = 68.3.
The decrease in disposable income by retirement is 31.7 per cent in this situation.