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Standard’ income events
1.
Ill for one week. Single APW
The gross wage is reduced by 1/52, i.e. 4,023 SEK. Compensation for illness in one
week is nothing for the first day (waiting period) and 75 per cent of the gross income
on a daily basis (0.75 × 209,214 = 156,911 / 260 = 603.50, rounded up: 604 SEK)
for the next 4 days. The compensation is 4 × 604 = 2,416 SEK. The first 4 weeks of
illness are covered by the employer and there are no central rules for how the 75 per
cent in compensation should be calculated. The rules applied here are from before
1992, when the insurance also covered the first 4 weeks. Other methods may give
slightly different results. There is no maximum benefit level for the first 4 weeks, but
when the insurance takes over from the 5rd week of illness, max benefit is reached
at an income level of 7.5 × 36,300 = 272,250 SEK.
The gross compensation percentage is 2,416 / 4,023 × 100 = 60. When the APW is
ill for one week his or her disposable income is 135,962 SEK.
The decrease in disposable income compared to the situation without illness is
136,994 - 135,962 = 1,032 SEK or 0.8 per cent.
2.
Unemployed for 3 months during the year, insured. Single APW
The loss of income is 1/4 of the gross wage, i.e. 52,304 SEK. Unemployment
compensation is 75 per cent of the lost income for the first 9 months of the year, 80
per cent for the last 3 with a maximum of 564 SEK a day. 75 per cent of the lost
income on a daily basis is 0.75 × 209,214 = 136,911 / 260 = 603.50, rounded up: 604
SEK which is above the maximum of 564 SEK a day which is reached at an income
level of 260 × 564 / 0.75 = 195,520 SEK. 80 per cent of the lost income on a daily
basis is 0.80 × 209,214 × 167,371 / 260 = 643.74, rounded up: 644 SEK which is
above the maximum of 564 SEK a day which is reached at an income level of 260
× 564 / 0.80 = 183,300 SEK. There is a minimum, 230 SEK a day, which is reached
at an income level below 260 × 230 / 0.75 = 79,733 SEK ( 75 per cent), 260 × 230
/ 0.80 = 74,750 SEK (80 per cent).
For 13 weeks (5 days each) with a waiting period of 5 days the compensation is 60
× 564 = 33,840 SEK.
The gross compensation percentage is 33,840 / 52,304 × 100 = 65. The disposable
income of the APW with 25 per cent unemployment is 125,618 SEK.
The decrease in disposable income compared to the situation with no unemployment
is 136,994 - 125,618 = 11,376 SEK or 8.3 per cent.