Sweden Finland Austria

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. 103,629
FIM.
The gross compensation percentage is thus 85. The disposable income in this
case is 70,298 FIM.
The decrease in disposable income is 76,578 - 70,298 = 6,280 FIM or 8.2 per
cent.
2. Loss of 1/3 of the working capability
The loss of income is 40,639 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 × 40,639 = 34,543 FIM.
The gross compensation percentage is thus 85. The disposable income is 74,849
FIM, when the APW has lost 1/3 of the working capability.
The decrease in dispoable income is 76,578 - 74,849 = 1,729 FIM or 2.3 per
cent.

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8.
Pensioner with maximum period of former occupation. Single APW
Retirement at 
usual’ age, here 65 years
The old age pension scheme in Finland consists of a basic part and an income related
part. The basic pension consists of a basic amount which for a single in the 
low' cost
part of the country is 437 FIM / month and a supplementary amount which is 1,936
FIM / month in 1994. The supplementary amount is means tested (taper of 50 per
cent) against the income related pension. In the case where the APW has been work-
ing ’all the time’ the income related pension will be 60 per cent of the gross income
at retirement. On these assumptions an APW with a full working record from the age
of 23 years to 65 years will have a pension equal to 12 × 437 = 5,244 FIM plus 0.6
× 121,916 = 73,150, in total 78,394 FIM (the supplementary amount is means tested
to zero).
The gross compensation percentage is 78,394 / 121,916 × 100 = 64. The disposable
income of the pensioner is 52,689 FIM.
The 
net compensation percentage is 52,689 / 76,578 × 100 = 68.8.
The decrease in disposable income by retirement is 31.2 per cent.