Sickness compensation [Sjukersättning]

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1 Information from Försäkringskassan, Sickness compensation [Sjukersättning] You can receive sickness compensation if your work capacity is permanently reduced by at least a quarter. How much you receive in sickness compensation depends on how much income you had. If you have not had any income, or if you had low income, you can receive sickness compensation in the form of guarantee benefit. [garantiersättning]. The information in this fact sheet applies to those who receive or apply for sickness compensation in accordance with the rules that apply from July 2008 onwards. If you receive sickness compensation that is not time-limited in accordance with the rules that applied before July 2008, you can read the fact sheet Working with sickness compensation. Who is eligible for sickness compensation? [Vem kan få sjukersättning?] You can receive sickness compensation if you are aged between 30 and 64 and your work capacity is reduced by at least a quarter due to illness or another reduction of your physical or mental capacity. You can receive sickness compensation if you: Will probably never be able to work full-time as a result of illness, injury or disability. Are aged between 30 and 65. Are insured in Sweden and were insured when you became sick. You are insured in Sweden if you live or work here. You can have worked in another country and still be insured in Sweden. There are also cases where you can have worked in Sweden but be insured in another country. Call our customer centre to find out more about what applies in your specific situation. To be able to receive sickness compensation, your work capacity must be permanently reduced, i.e. for the foreseeable future. This reduction of work capacity shall apply to all work available in the whole labour market. This also includes employment arranged for people with disabilities, for example, wage subsidy employment. How much sickness compensation do you receive? [Hur mycket får man i sjukersättning?] Full income-related sickness compensation provides you with 64,7 per cent of your assumed income [antagandeinkomst], the income that Försäkringskassan [the Swedish Social Insurance Agency] calculates that you would probably have earned if you had continued to work. If you have had low income or no income at all, you can receive guarantee benefit. In 2016, you can receive at most SEK (2.4 price base amounts [prisbasbelopp]*) per year in full guarantee benefit.

2 You can receive full, three-quarter, half or a quarter sickness compensation. The amount you receive depends on how much your work capacity is reduced and your ability to earn your living. Income-related sickness compensation and guarantee benefit are both re-calculated in January every year when the price base amount is adjusted. * The price base amount is based on the cost of living. In 2016, the price base amount is SEK How to apply for sickness compensation [Hur går det till att få sjukersättning?] You can apply yourself [Du kan ansöka själv] You can apply for sickness compensation yourself. You do this on a special form which you can obtain from Försäkringskassan or download from You must also include a doctor s certificate. Försäkringskassan may replace sickness benefit by sickness compensation [Försäkringskassan kan byta ut sjukpenning mot sjukersättning] If Försäkringskassan considers that you are eligible for sickness compensation, we may decide to replace your sickness benefit by sickness compensation. Försäkringskassan will have had continuous contact with you and the doctor treating you before considering this replacement. How is your entitlement to sickness compensation assessed? [Hur bedöms din rätt till sjukersättning?] You need a doctor s certificate [Du behöver ett läkarutlåtande] When you apply for sickness compensation, you must have a doctor s certificate. In the first place, the doctor you normally consult should describe your state of health in a medical certificate. However, Försäkringskassan may also ask another doctor or expert to examine you and make an assessment of your ability to work. Försäkringskassan will investigate your circumstances [Försäkringskassan utreder dina förhållanden] We investigate both your work situation and social circumstances. We will accordingly ask you questions about your family circumstances, childcare, household work, leisure activities, education, secondary employment or other commissions that may affect your entitlement to benefit.

3 A new investigation of work capacity every third year [Ny utredning av arbetsförmågan vart tredje år] Your work capacity can change. During the period that you receive sickness compensation, which is not temporary, Försäkringskassan will therefore carry out a new investigation every third year to find out whether you are still entitled to compensation at the same level. Försäkringskassan will also investigate whether anything has happened which improves the possibilities of rehabilitation. Försäkringskassan makes subsequent checks [Försäkringskassan gör efterkontroller] If you were granted sickness compensation before 1 January 2005, Försäkringskassan makes subsequent checks when needed. These checks are made to find out whether your work capacity has improved or whether your possibilities for rehabilitation have improved. How is the money paid out? [Hur betalas pengarna ut?] Sickness compensation is paid into the account you have notified to Försäkringskassan. It is paid out on the 18th or 19th of each month. If the payment date is a Saturday, you will receive sickness compensation on the Friday. If the payment date is a Sunday, a public holiday or Midsummer Eve [midsommarafton], you will receive payment on the following weekday. If you are resident abroad, your sickness compensation will be sent from Sweden on the payment date. If sickness compensation is at most SEK kronor per year, you will receive it in arrears in June and December each year. Amounts exceeding SEK per year may also be paid out twice per year if you ask Försäkringskassan to this. Payment in the event of death [Utbetalning vid dödsfall] The survivors are entitled to collect sickness compensation for the full month even if the death occurred on one of the first days of the month. However, they may not collect the following month s compensation. More about sickness compensation [Mer om sjukersättning] You can try working or studying with dormant compensation [Du kan pröva att arbeta eller studera med vilande ersättning] During the period you have sickness compensation, you may work or study without losing your entitlement to compensation. This is called dormant sickness compensation. The fact that compensation is dormant means that it is not paid out. You must apply for dormant compensation before you start working or studying. If you start working, you can also apply for a test period of up to three months with a wage and sickness compensation at the same time. If you work when your compensation is dormant, you will receive a monthly amount corresponding to 25 percent of the compensation that is dormant. This amount will be paid out for a maximum of twelve months. You can work a bit with full sickness compensation [Du kan arbeta lite med hel sjukersättning]

4 If you receive full sickness compensation, you can still use a small remaining work capacity in, for example, voluntary or political work. This means that you may work for an hour a day and earn at most an eighth of the normal full-time income in the employment you carry out and still be entitled to full compensation. Contact Försäkringskassan and discuss what is possible for you before you start working. With three-quarter sickness compensation, you receive assistance in finding work [Med tre fjärdedels sjukersättning får du hjälp att hitta ett arbete] If you receive three-quarter sickness compensation, Försäkringskassan is responsible for you being able to find employment corresponding to your remaining work capacity. The Employment Service [Arbetsförmedlingen] shall find you a place on the ordinary labour market within six months, possibly with the aid of a wage subsidy. If this is not possible, you will be offered employment at Samhall AB. What happens to sickness benefit? [Vad händer med sjukpenningen?] When you are granted full sickness compensation, you are no longer entitled to sickness benefit. If you have been granted a quarter, half or three-quarter sickness compensation and have an income from employment of at least SEK per year (24 % of the price base amount), you may, however, have a sickness benefit qualifying income established and thus be able to receive sickness benefit if you are unable to work due to illness. Sickness compensation may be reduced if you have other benefits [Sjukersättningen kan minskas om du har andra ersättningar] Your sickness compensation may be reduced if you also have a foreign disability pension [invaliditetspension] or other foreign disability benefits at the same time. If you live or move abroad [Om du bor eller flyttar utomlands] Income-related sickness compensation is paid to you regardless of the country you live in. However, you can only continue to receive guarantee benefit within the EU/EEA, Switzerland and Canada. Consult Försäkringskassan for more information about when you are entitled to continue to receive guarantee benefit after moving to another country. You must notify Försäkringskassan if you move abroad permanently. It is important that you state the address, bank and account number to which the sickness compensation is to be sent. To continue to be entitled to sickness compensation, you must send Försäkringskassan a life certificate once a year, if you live abroad. This is done as follows: You will automatically receive a form from Försäkringskassan. Fill in the form, take a valid passport with you and go to any of the authorities or similar listed on the form. They must certify that your information is correct. You should then return the form to Försäkringskassan. In certain cases, you may not receive a form for certification. At present, this applies to people living in Finland, Norway or Germany. Information about you is instead collected through exchange of data between Sweden and your country of residence. When you live abroad, you may receive Special income tax for non-residents (SINK) [ Särskild inkomstskatt för utomlands bosatta (SINK)]. Please contact the Tax Agency [Skatteverket] for more information about SINK.

5 Income-related sickness compensation [Inkomstrelaterad sjukersättning] Income-related sickness compensation is based on your previous income from work, but also on previous benefits from Försäkringskassan such as sickness benefit [sjukpenning] and parental benefit [föräldrapenning]. Somewhat simplified, you can obtain income-related sickness compensation if: You are working in Sweden at the time of the claim. The claim is when you comply with the conditions to obtain sickness compensation. You have had a pensionable income or a pensionable amount of sickness compensation at least a year during what is referred to as the time frame [ramtid]. The time frame is a set period back in time from the year before the claim. If you have a pensionable income, you will receive an annual decision every year (the orange envelope). Assumed income based on the best three years [Antagandeinkomst de tre bästa åren räknas] When we calculate your sickness compensation, we start by calculating your assumed income. This is the income that we assume you would have had if you had continued to work. We base this calculation on the three years during the time frame when you have the highest income and calculate an average income. What is the time frame? [Vad är ramtid?] The time frame is a set period back in time from the year before the claim. You may only count income that you have had during the time frame when we calculate your sickness compensation. The time frame is between five and eight years depending on age: Your age when making the claim Time frame Aged 53 or older 5 years Aged 50, 51 or 52 6 years Aged 47, 48 or 49 7 years Aged 46 or younger 8 years What income is used in the calculation? [Vilken inkomst används vid beräkningen?] We base the calculation of the assumed income on your gross annual income which we then recalculate at the current value of money. The gross annual income is your pensionable income plus the pension contributions that the Tax Agency has deducted. You are notified of your pensionable income in the orange envelope every year. You obtain your gross annual income by dividing the pensionable income by 0,93. However, there is a ceiling on the amount of income you can take up. Income over SEK (7.5 price base amounts) is not taken into consideration.

6 Entitlement to future income-based pension [Rätt till framtida inkomstgrundad pension] The income-related compensation entitles you to a future income-related old age pension. If you have had full sickness compensation, you will receive pension entitlement for 93 per cent of your assumed income, the income that Försäkringskassan calculates you probably would have had if you had worked. Guarantee benefit [Garantiersättning] If you have not had any income, you can obtain sickness compensation in the form of guarantee benefit. You can also obtain guarantee benefit if you have low income-related compensation. In this case, the guarantee benefit will be as large as the difference between your income-related benefit and your guarantee level. Somewhat simplified, it can be said that you are entitled to guarantee benefit if: You were resident in Sweden at the time of the claim. The claim is when you comply with the conditions to receive sickness compensation. You have an insurance period in Sweden of at least three years. Your insurance period is calculated on the basis of the length of time you have lived in Sweden. See the section What is the insurance period? The highest guarantee level is SEK per year (2.4 price base amounts). If you have lived in Sweden for the whole of your life, you receive benefit at the highest level. If you have not always lived in Sweden, your benefit may be reduced, depending on the length of your insurance period. If you have an insurance period of less than 40 years, your benefit will be reduced by 1/40 for every missing year. However, this does not mean that you must have lived in Sweden for 40 years to receive benefit at the highest level. You can have an insurance period of 40 years without having lived in Sweden for 40 years. What is the insurance period? [Vad är försäkringstid?] You may count the insurance period for the time you have lived in Sweden. This is called the actual insurance period. However, you may also count the insurance period for the time that you are expected to live in Sweden. This is called the future insurance period. Sickness compensation in the form of guarantee benefit is based on both the actual and future insurance period. You receive the actual insurance period for the time you have lived in Sweden from attaining the age of 16 until the year before the claim. You receive the future insurance period for the time from and including the year of the claim until you attain the age of 64. However, your future insurance period also depends on how long you have lived in Sweden. To be able to count the future insurance period for every year between the claim and the year you attain the age of 64, you must have lived in Sweden for at least 80 per cent of the time from the year you attained the age of 16 until the year before the claim. Special rules apply to refugees and others in need of protection which enable them to count the period they have lived in their previous home country as actual insurance period. If the claim occurs before you attain the age of 18, your insurance period may be calculated according to special rules. You do not need to have been insured at the time of the insurance claim and can count the whole time from and including the year that you attained the age of 16 until the year you attain the age of 64 as insurance period. However, you may not count any period that you did not live in Sweden as insurance period.

7 Sickness compensation and tax [Sjukersättning och skatt] You pay tax on sickness compensation. Försäkringskassan deducts the tax. The amount of tax deducted may be affected by other income you have. You should therefore notify us if you have taxable income from any other source than Försäkringskassan, for example, income from employment. You do not need to send your tax certificate to Försäkringskassan. Försäkringskassan receives this information directly from the Tax Agency. If you would like Försäkringskassan to deduct less tax (for example, if you have large interest expenditure), you can apply to your tax office for tax adjustment. You should then send the decision you receive to Försäkringskassan. Contact Försäkringkassan if you would like the amount deducted in tax increased. The higher tax deduction from your sickness compensation will continue to be made until you request otherwise. In January every year, you will receive a statement of tax paid and earnings from Försäkringskassan. This states how much sickness compensation you have received and the amount of tax deducted. If you have the compensation paid into an account, you will receive the statement of tax paid and earnings together with the deposit statement for January. Contact Försäkringskassan if you do not receive a statement of tax paid and earnings. More information about sickness compensation and tax is available from your tax office or at Notify changes [Anmäl förändringar] You must notify all changes that may affect your entitlement to or the amount of your compensation. This is the case, for example, if you start to work or study you start to work to a greater extent than before, for example, if you have been granted half compensation but start to work full-time you are given additional voluntary work or your voluntary work changes in scope you continue working after a decision on dormant sickness compensation has ceased to apply your work capacity improves even if you are not working you receive a new or changed foreign pension, annuity [livränta] or similar you move abroad. You must notify us in advance of changes that affect how much you work. You should notify us of any other changes as soon as you know about them. If you do not notify us of changes, you may be obliged to pay money back if you have received too much money or if you have received money that you are not actually entitled to.

8 Other benefits [Andra ersättningar] Contractual insurance [Avtalsförsäkringar] When you receive sickness compensation, you may also receive benefits through contractual insurance. You should therefore ask your most recent employer or trade union organisation whether there is any insurance and what applies in your case. If you had other employers previously, you should ask them as well. Försäkringskassan is not responsible for contractual insurance and cannot answer questions about this insurance. Housing supplement [Bostadstillägg] If you receive sickness compensation, you may be eligible for housing supplement. You apply for housing supplement at Försäkringskassan. See the Swedish fact sheet Bostadstillägg till dig som har aktivitetsersättning eller sjukersättning [ Housing supplement for those with activity compensation or sickness compensation ], which you can obtain from Försäkringskassan or download from More information [Mer information] Fact sheets are not legislative texts on the subject. You can find more information about sickness compensation in the following Swedish fact sheets: Vilande sjuk- och aktivitetsersättning vid arbete [ Dormant sickness compensation and activity compensation upon work ] Vilande sjuk- och aktivitetsersättning vid studier [ Dormant sickness compensation and activity compensation upon studies ] You can find all information materials at Försäkringskassan and on our website, You can also use the self-service functions on our website to quickly and easily deal with various matters. You can call our self-service phone line on to request certificates, forms and brochures. You can also notify us of certain circumstances.

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