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3.
Unemployed for the whole year, insured. Single APW
There is no gross wage. The compensation is 255 × 564 = 143,820 SEK in the
’standard’ year used here. Max. benefit (564 SEK/day) is reached at an income level
of 195,520 SEK (75 per cent), 183,300 SEK (80 per cent), min. benefit (230
SEK/day) is reached below 79,733 SEK (75 per cent), 74,750 SEK (80 per cent).

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The gross compensation percentage is 143,820 / 209,214 × 100 = 69. The disposable
income of the APW is 96,939 SEK, when he or she is unemployed for the whole of
1997.
The decrease in disposable income compared to the situation with no unemployment
is 136,994 - 96,939 = 40,055 SEK or 29.2 per cent.
4.
Unemployed for 3 months during the year, non-insured. Single APW
The reduction of the gross wage is 52,304 SEK as in case 2. The compensation for
the non-insured APW is 60 × 230 = 13,800 SEK. There is a waiting period of 5 days
also in this scheme. The 230 SEK/day is a ’pure’ flat rate benefit.
The gross compensation percentage is 13,800 / 52,304 × 100 = 26. The disposable
income is 113,364 SEK in this situation.
The decrease in disposable income compared to the situation with no unemployment
is 136,994 - 113,364 = 23,630 SEK or 17.2 per cent.
This scheme was ’reintroduced’ in January 1995 after having been ’out of operation’
in the 2nd half of 1994, when the unemployment insurance scheme was mandatory.
The rate (230 SEK/day) is also the minimum rate in the voluntary insurance scheme.
5.
Unemployed for the whole year, non-insured. Single APW
There is no gross wage. The compensation is 255 × 230 = 58,650 SEK interpreted as
an annual rate. (The maximum period for which this compensation can be received
is in general not more than 30 weeks.) The 230 SEK/day is a ’pure’ flat rate benefit.
The gross compensation percentage is 58,650 / 209,214 × 100 = 28. The disposable
income is 40,260 SEK in this situation.
The decrease in disposable income compared to the situation with no unemployment
is 136,974 - 40,260 = 96,734 SEK or 70.6 per cent.
Recipients of the benefit from this scheme would, in many cases also be eligible for
social assistance to supplement the income.
As already mentioned, this scheme was ’reintroduced’ in January 1995.