Sweden Finland Austria

5.
Unemployed for the whole year, non-insured. Single APW
There is no gross wage. The compensation is 51 × 5 × 118 = 30,090 FIM for a whole
year when the unemployed APW is not insured.

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The gross compensation percentage is 30,090 / 132,533 × 100 = 23. The disposable
income is 24,782 FIM in this situation.
The decrease in disposable income is 82,114 - 24,782 = 57,332 FIM or 69.8 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 245.30 and 118 =
53.47 FIM/day, in total 171.47 FIM/day. The entry of 245.30 FIM/day is calculated
as 95.5 per cent of the actual monthly wage, i.e. 5,274 FIM or on a daily basis
5,274:21.5 = 245.30 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 (1week),
so the compensation is 260 - 5 = 255 days × 171.47 FIM/day = 43,725 FIM.
The gross compensation percentage is 43,725 / 66,267 × 100 = 66. The disposable
income of the APW-couple is 117,052 FIM, when the wife is unemployed for the
whole year in 1995 and usually is working part time (½ APW income).
The decrease in disposable is 130,305- 117,052 = 13,253 FIM or 10.2 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. 112,653
FIM.
The gross compensation percentage is thus 85. The disposable income in this
case is 76,022 FIM.
The decrease in disposable income is 82,114 - 76,022 = 6,092 FIM or 7.4 per
cent.
2. Loss of 1/3 of the working capability
The loss of income is 44,178 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 × 44,178 = 37,551 FIM.
The gross compensation percentage is thus 85. The disposable income is 80,304
FIM, when the APW has lost 1/3 of the working capability.
The decrease in dispoable income is 82,114 - 80,304 = 1,810 FIM or 2.2 per
cent.

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