Sweden Finland Austria

3.
Unemployed for the whole year, insured. Single APW
There is no gross wage. The compensation is 260 - 5 = 255 days × 258.80 FIM/day
= 65,994 FIM.
The gross compensation percentage is 65,994 / 121,916 × 100 = 54. The disposable
income of the APW is 49,037 FIM when he or she is unemployed for the whole year.
The decrease in disposable income is 76,578 - 49,037 = 27,541 FIM or 36.0 per
cent.
4.
Unemployed for 3 months during the year, non-insured. Single APW
The reduction of the gross wage is 30,479 FIM as in case 2. The compensation for
an APW, who is not a member of the voluntary unemployment insurance scheme, is
12 × 5 × 116 = 6,960 FIM, there is also a waiting period of 5 days in this scheme. 
The gross compensation percentage is 6,960 / 30,479 × 100 = 23. The disposable
income is 65,615 FIM in this situation.
The decrease in disposable income is 76,578 - 65,615 = 10,963 FIM or 14.3 per
cent.
5.
Unemployed for the whole year, non-insured. Single APW
There is no gross wage. The compensation is 51 × 5 × 116 = 29,580 FIM for a whole
year when the unemployed APW is not insured.

---

221
The gross compensation percentage is 29,580 / 121,916 × 100 = 24. The disposable
income is 24,153 FIM in this situation.
The decrease in disposable income is 76,578 - 24,153 = 52,425 FIM or 68.5 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 116 FIM/day plus 42 per cent of the difference between 228 and 116 =
47.04 FIM/day, in total 163.04 FIM/day. The entry of 228 FIM/day is calculated as
96.5 per cent of the actual monthly wage, i.e. 4,902 FIM or on a daily basis 4,902:
21.5 = 228 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 com-
pensation is 260-5 = 255 days × 163.04 FIM/day = 41,575 FIM.
The gross compensation percentage is 41,575 / 60,958 × 100 = 68. The disposable
income of the APW-couple is 109,589 FIM, when the wife is unemployed for the
whole year in 1994 and usually is working part time (½ APW income).
The decrease in disposable is 121,379 - 109,589 = 11,790 FIM or 9.7 per cent.