Unionen s income protection insurance. Security even when you are out of work

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1 Unionen s income protection insurance Security even when you are out of work

2 BRIEF FACTS The obligatory income protection insurance is included in your fee and is valid for: gainfully employed members or the self-employed members of a Swedish unemployment benefit fund members under 65 years old The voluntary income protection insurance for more days and higher income may be taken out by those who: meet both of the above requirements and have an income exceeding SEK 25,025 per month (the ceiling of the unemployment benefit fund) Conditions for compensation: The right to compensation is assessed separately for the obligatory and the voluntary part. To be entitled to compensation from Unionen s obligatory income protection insurance, you must at the time of becoming unemployed: have been in the insurance scheme for a continuous period of 12 months have worked at least 80 hours per month for at least 12 months during the last 18 months have compensation from the unemployment benefit fund or be participating in a labour market policy initiative, receiving an activity grant at the same level as unemployment benefit. To be entitled to compensation from Unionen s voluntary income protection insurance, you must at the time of becoming unemployed: have been in the insurance scheme for a continuous period of 12 months have worked at least 80 hours per month for at least 12 months during the past 18 months within the period you have been in the insurance. The income protection insurance ends: on the first day of the month in which you turn 65 if your membership in Unionen ends Qualifying income: The unemployment benefit fund calculates the qualifying income at the commencement of unemployement. Full terms and conditions Full terms and conditions are available on unionen.se The insurer for Unionen s income protection insurance is Unionen Medlemsförsäkring AB (Corporate Identity Number ). The company is owned by Unionen and is the administrator of Unionen s income protection insurance. 2

3 Security even when you are out of work Unionen members enjoy one of the market s best income protection insurance schemes, with extraordinary benefits included in the membership fee. This gives you extra peace of mind and could be very valuable if you were to lose your job. The income protection insurance means that combined with unemployment benefit, you can receive up to 80 per cent of your previous income up to SEK 60,000 per month for 150 days. Even more security the voluntary part of income protection insurance There is the opportunity to extend your income protection beyond what is already included in Unionen s income protection insurance. You can extend your protection with more compensation days as high as incomes of SEK 150,000 per month. How much is the income insurance worth for me? Visit Unionen.se and calculate how valuable the income protection insurance could be for your economy. This is how the income protection insurance works Visit unionen.se and calculate your compensation Your salary Your compensation when unemployed The examples have been calculated using the 2013 income tax table (Table 30, column 5) 150,000 SEK per month (before tax) 60,000 SEK per month (before tax) Voluntary income protection insurance Income protection insurance Unemployment benefit + Income protection insurance + Voluntary income protection insurance = up to 80 per cent of your salary after tax on incomes up to SEK 150,000 per month Unemployment benefit + Income protection insurance = up to 80 per cent of your salary after tax on incomes up to SEK 60,000 per month 25,025 SEK per month (before tax) Unemployment benefit Unemployment benefit = 80 per cent of your salary up to the income ceiling of SEK 25,025 per month. You can receive a maximum of SEK appr. 14,500 after tax*. * The income ceiling in the unemployment benefit fund means that members with salaries up to SEK per month receives 80 per cent compensation for 100 days, which after tax leaves about SEK per month. After 100 days the income ceiling is reduced to SEK per month (approximately SEK per month). In the event of unemployment the income protection insurance pays out an insurance amount which, combined with unemployment benefit and any other compensation (such as severance pay, AGE, from the job security councils), is the equivalent of up to 80 per cent of previous income after tax. See page 5 to read more about compensation 3

4 Learn more on unionen.se Income protection insurance included in the membership As a Unionen member, you automatically have income protection insurance if you are a gainfully employed member or self-employed and are a member of a Swedish unemployment benefit fund. If you become unemployed and are in the unemployment benefit fund, you can receive unemployment benefit, but never more than 80 per cent of what is known as the compensation ceiling of SEK 25,025 per month. This is about SEK 14,500 after tax. Every single krona, every hundred and thousand krona note that you earn over SEK 25,025 per month is money that you will lose if you are unemployed. So there is peace of mind in knowing that Unionen s income protection insurance is included in your membership fee and supplements your unemployment benefit and any severance pay so that you receive a total of up to 80 per cent of previous earnings up to SEK 60,000 per month. You can receive compensation from the income protection insurance for 150 compensation days, which is about 7 months, even during periods you may be receiving an activity grant. If you are from another trade union and become a member of Unionen, you can credit the period you were in that union s equivalent income protection insurance scheme. The voluntary part of income protection insurance for more days and higher income All those covered by the income protection insurance and have an income above the ceiling in the unemployment benefit fund can for a premium opt to sign up for an extra 50 compensation days in addition to the 150 days already included in the membership fee. This means you can get a total of up to 200 compensation days (the equivalent of about 9 months), something which many members have requested. The voluntary part of the income protection insurance also gives you the opportunity to further extend your income protection by insuring your income over SEK 60,000 per month as high as SEK 150,000 per month. If you opt for the voluntary part in this income range, the 50 extra days are included in the premium to give you a total of 200 compensation days. On unionen.se, you can read more about the premium and how to take out the voluntary part of the income protection insurance. Insured income The income base consists of salary and of occurring payments that are taxed as income from employment. The income base is reported to Unionen. The insured income and your previous total income from employment, which is the base for the insurance compensation, may differ. 4

5 More about terms and conditions As a Unionen member, you automatically have income protection insurance if you are a gainfully employed member or self-employed are a member of a Swedish unemployment benefit fund not yet have turned 65 years old In order to take out the voluntary part of the income protection insurance for more days and higher income, you must meet the requirements above and have a salary that exceeds what is known as the income ceiling in the unemployment benefit fund, currently SEK 25,025 per month. Conditions for compensation In order to receive compensation, the following conditions apply: That unemployment benefit is paid out by an approved unemployment benefit fund or that you are participating in a labour market policy initiative and are receiving an activity grant at the same level as unemployment benefit. That you have been covered, and are still covered, by the income protection insurance for a continuous period of at least 12 months before becoming unemployed. This qualification period begins no earlier than the date you became a member of Unionen and at the same time met the age and salary conditions. (See also the section Rules for transfer from another union.) If you are from a union with an equivalent income protection insurance scheme, you may credit the period, insurance period and working period in that insurance towards qualification in Unionen s income protection insurance. You do not need to substantiate this when you become a member of Unionen. It only becomes relevant in the event of unemployment. That you have been gainfully employed for at least 12 of the last 18 months. During these 12 months, you must have been gainfully employed for at least 80 hours per month. Only gainful employment after becoming a member of Unionen and being covered by the income protection insurance is credited. Full terms and conditions are available on unionen.se *(200 compensation days if you have taken out the voluntary part). 5

6 Payment of compensation If you meet the requirements for compensation, you apply for compensation on a special form. You order the form on unionen.se or by calling Unionen How much compensation does the income protection insurance provide? The income protection insurance, in the event of unemployment, pays out an insurance amount which, combined with unemployment benefit and any other compensation (such as severance pay, AGE, from the job security councils), is the equivalent of up to 80 per cent of previous income after tax. Qualifying income is calculated by the unemployment benefit fund. The compensation is paid for a maximum of 150 compensation days (200 if you have taken out the voluntary part) after the unemployment benefit fund s waiting period has passed. With the same rules as for the unemployment benefit fund, that is 5 compensation days per week, this is the equivalent of about seven months (nine months if you have taken out the voluntary part). The right to compensation may, in the case of part-time work, be limited to 75 days. If you are unemployed part-time and receive wages and unemployment benefit for the same week, you can receive compensation for no more than 75 days for these weeks. After this, you can only receive compensation for weeks of full unemployment. When does the policy cease to apply? The income protection insurance ceases to apply in the following cases: On the first day of the month in which you turn 65. If you no longer fulfil the terms and conditions of the income protection insurance (see page 5). You may at any time terminate the voluntary part of the income protection insurance by giving notice to Unionen Medlemsförsäkring AB at 6

7 During and after compensation from the insurance If during the time you receive compensation, you start working and then once more fulfil the condition (see the point above), a new compensation period of a maximum of 150 days* commences. That means that you cannot utilise the days you have not used in your previous compensation period. If you have received 150 compensation days*, to obtain a new compensation period it is necessary, when you become unemployed, for at least twelve months to have passed since the last compensation day. During that time you must have been continuously insured and have worked for at least 80 hours per month for twelve consecutive months. During this period, you may not have received unemployment benefit. Are you paying the correct fee to Unionen? You pay a membership fee to Unionen in relation to your income. Make sure you are paying the correct fee. We base our calculations on the salary that was last reported to Unionen. The fee is valid until the end of the year, regardless of general wage increases. However, if you have different working hours, become unemployed or are staying abroad, it is possible that your membership fee will change. If your fee is not correct please contact Unionen *(200 compensation days if you have taken out the voluntary part). 7

8 Call Unionen We can answer all your workrelated questions. unemployment benefit fund testa 3 mån utan avgift Tnr: 1971:3 Foto: Sune Fridell Produktion: Unionen Upplaga 3000 ex Tryck: NRS Sep 2015 Olof Palmes gata 17, Stockholm YOUR LOCAL BRANCH: Borlänge, Borås, Gävle, Göteborg, Helsingborg, Jönköping, Kalmar, Karlshamn, Karlstad, Linköping, Luleå, Malmö,, Skellefteå, Skövde, Stockholm, Sundsvall, Södertälje, Trollhättan, Umeå, Uppsala, Visby, Västerås, Växjö, Örebro

months free! save up to 3sek 675 Unionen s income protection insurance Security even when you are out of work

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