Sweden Finland Austria

’Standard’ income events
1.
Ill for one week. Single APW
The gross wage of the insured APW is reduced by 1/52 that is by 4,942 DKK.
Compensation for illness in 1 week is 2,625 DKK (Rate for maximum compensation
in 1997 for illness). Max. benefit is reached at an income of 148,291 DKK.
The gross compensation percentage is 2,625 / 4,942 × 100 = 53. The disposable
income of the APW is 140,569 DKK, when he or she is ill for one week during
1997.
The decrease in disposable income compared to the case with no illness is 141,576 -
140,569 = 1,007 DKK or 0.7 per cent.

---

114
From 1994 nearly all employees have received the usual wage during short spells of
illness according to labour market agreements.
2.
Unemployed for 3 months during the year, insured. Single APW
The gross wage of the insured APW is reduced by 1/4 that is by 64,250 DKK. 3
months’ compensation (13 weeks of 5 days each) is 13 × 5 × 525 = 34,125 DKK.
The maximum compensation for unemployment in 1997 was 525 DKK a day. Max.
benefit is reached at an income of 164,777 DKK. Minimum benefit (431 DKK/day)
is reached at an income of 135,260 DKK and below.
The gross compensation percentage is 34,125 / 64,250 × 100 = 53. The disposable
income of the APW is 128,481 DKK, when he or she is unemployed for 3 months
during 1997.
The decrease in disposable income compared to the case with no unemployment is
141,576 - 128,481 = 13,095 DKK or 9.2 per cent.
3.
Unemployed for the whole year, insured. Single APW
There is no gross wage. The compensation is 52 × 5 × 525 = 136,500 DKK. The
maximum compensation for unemployment in 1997 was 525 DKK a day. Max.
benefit is reached at an income of 164,777 DKK. Minimum benefit (431 DKK/day) is
reached at an income of 135,260 DKK and below.
The gross compensation percentage is 136,500 / 257,000 × 100 = 53. The disposable
income of the APW is 89,177 DKK, when he or she is unemployed for the whole of
1997.
The decrease in disposable income compared to the case with no unemployment is
141,576 - 89,177 = 52,399 DKK or 37.0 per cent.