Professional Documents
Culture Documents
Insurance
About Social Insurance
Social insurance is an integral part of the Swedish social
security system. The Swedish social insurance covers mainly
everyone that lives or works in Sweden. It provides finan-
cial p
rotection for families and children, for persons with
a disability and in connection with work injury, illness and
old age. Through the Swedish membership in the European
Union, you may also be eligible for social insurance benefits
in other EU member states if you or anyone in your family
resides or works in any outher EU member states.
Welcome to Försäkrings
kassan [the Swedish
Social Insurance Agency]
This brochure gives a brief introduction to social insurance
in Sweden. Social insurance is founded on the idea of people
helping each other through a kind of social safety net, which
is in place from birth to retirement.
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The development of social insurance
It was not until 1931 that these societies were recognised by
the state and given the name health insurance funds, receiv-
ing state funding for their operations. In 1955, the basis was
laid for the present Försäkringskassan. Unlike the old health
insurance fund, membership was compulsory. A lot has hap-
pened since then in this area and now everyone who lives
or works in Sweden is covered by social insurance – insur-
ance characterised by the notion that the obligation to pay
contributions and taxes confers entitlement to a share in
social welfare when we are in need of it. The main aim is to
guarantee the population a certain level of security in their
lives. Throughout the 20th century, reforms were gradually
introduced and many improvements were made. Some of the
most important changes are listed in the following section.
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2 If you fall ill
Sickness benefit
If you are not entitled to sick pay, you may be able to get
sickness benefit from Försäkringskassan. In this case, you
must notify Försäkringskassan that you are ill. You may also
be entitled to sickness benefit when you have been ill for 14
days and are no longer receiving sick pay from your employ-
er. Försäkringskassan assesses your entitlement to sickness
benefit.
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period (around 15 months). If your work capacity is still
reduced after a year, you can apply for extended sickness
benefit. If you have a very serious illness, you can apply for
continued sickness benefit. There is no limit to the length of
time that continued sickness benefit can be paid for.
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After 180 days, you are entitled to sickness benefit only if
you cannot carry out any work at all in the regular labour
market.
Disease carriers
If you have or are suspected to have an infectious disease
but are still fit for work, or if you are carrying or suspected
of carrying an infection without being ill, you may be able
to obtain benefit from Försäkringskassan in the form of
disease carrier’s allowance [smittbärarpenning]. You are also
entitled to disease carrier’s allowance if you have to stay
away from work as a result of a decision under the Commu-
nicable Diseases Act or the Food Act.
Care of relatives
If you stay away from work to look after a seriously ill rela-
tive, you may be able to get benefit for care of closely related
persons [närståendepenning] from Försäkringskassan and be
entitled to time off work.
Activity compensation
If you are aged between 19 and 29, you may be eligible for
activity compensation if your work capacity is reduced by at
least a quarter for at least a year. You may have full, three-
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quarter, half or a quarter activity compensation, depending
on how much your work capacity is reduced and your ability
to support yourself through work.
Activities
While you are receiving activity compensation, you have
an opportunity to take part in activities which are aimed at
providing you with the means to improve your work capaci-
ty. A condition of this is that the activities may be presumed
to have a beneficial effect on the circumstances causing the
reduction in your work capacity.
Sickness compensation
If you are aged between 30 and 64, you may be able to
receive sickness compensation if your work capacity is
permanently reduced by at least a quarter. You may have
full, three-quarter, half or a quarter activity compensation,
depending on how much your work capacity is reduced and
your ability to support yourself through work.
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Dormant sickness and activity
compensation
If you are receiving sickness or activity compensation, you
have the possibility of working without losing your entitle-
ment to compensation. This is called dormant sickness or
activity compensation. When you have received sickness or
activity compensation for at least a year and want to try to
see whether you can cope with working, you can apply for
a trial period during which you receive compensation and
pay at the same time. If your attempt to work is successful,
you can apply to have your compensation made dormant.
The trial period and the period with dormant compensa-
tion may together last for up to 24 calendar months or
for the remaining period for which you have been granted
compensation.
Rehabilitation
Sometimes when on sick leave, you need support to be able
to start work again. Rehabilitation is a generic term for all
measures of medical, psychological, social and work-related
nature that are intended to help ill and injured people to re-
gain the best possible capacity and conditions for a normal
life.
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Dental care
Everyone who lives in Sweden can receive subsidised dental
care [tandvårdsstöd] from the age of 20. Dental care is free of
charge for children and young people under 20.
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3 If you fall ill abroad
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If you are pregnant 4
Adoption allowance
If you are adopting a child from abroad, you can apply
to Försäkringskassan for an adoption allowance. You are
eligible for an allowance for adoptions for which a Swedish
court has given permission and for adoptions approved by
The Swedish Council for Intercountry Adoptions [NIA (Statens
Nämnd för Internationella Adoptionsfrågor)]. A decision from the
country of origin which applies in Sweden under the terms
of the Hague Convention is of equal validity as a decision
made by a Swedish court.
Pregnancy rights
If you are pregnant, you are entitled to be transferred to
other duties if you have a physically demanding job that you
cannot continue as a result of pregnancy or if you have been
suspended from your job under the Work Environment Act.
Pregnancy benefit
If your employer is unable to transfer you, you may be able
to draw pregnancy benefit if:
• Your work capacity is reduced by a least a quarter due
to your pregnancy and you have a physically demanding
job or if you have a job that you are not able to do be-
cause of risks in the working environment.
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60 days before the expected delivery date. If you have been
forbidden to continue working under the Work Environment
Act, you may draw pregnancy benefit for each day to which
this prohibition applies. You are not eligible for pregnancy
benefit for the last ten days before the expected delivery
date. If your duties allow you to work part of the day, you
may apply for three-quarter, half or quarter pregnancy
benefit.
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For families with 5
children
Parental benefit
If you have children, you are also entitled to parental benefit
if you stay away from work to look after the child. Parental
benefit is payable for 480 days for children born in 2002 or
later and for 450 days for children born before 2002. The
parental benefit days are always shared equally between
both parents. One parent may give up the right to parental
benefit to the other parent with the exception of 30 days
for children born before 2002 and 60 days for children born
from 2002 or later. If you are a lone parent, you are entitled
to all these days yourself. If you are the mother, you can
start drawing parental benefit 60 days before the expected
delivery date. Both parents can draw parental benefit for
parental training. Parental benefit may be drawn until the
child attains the age of eight or when the child comes to the
end of his or her first school year. You can choose to draw
a full, three-quarter, half, a quarter or an eighth parental
benefit.
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however, that these extra days cannot be taken out in the
event of illness or infection of the normal carer. You can also
draw temporary parental benefit for visits to a doctor or to
a child health clinic [barnavårdscentral] with the child.
Payment
Benefit is payable for full, three-quarter, half, a quarter or an
eighth day, depending on the extent to which you need time
off work. Please note that it is not possible to receive tempo-
rary parental benefit for work-free days.
Paternity leave
If you have recently become a father or are the child’s other
parent, you are entitled to ten days’ leave with temporary
parental benefit in connection with the birth of the child.
You can draw these days within 60 days of the child coming
home from the hospital.
If you are adoptive parents, you and the other parent are
entitled to five days each unless you have agreed on another
distribution. You can take these days within 60 days of re-
ceiving the child.
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replaced by extended child allowance if the child still attends
compulsory school. Extended child allowance is paid up to
and including the month that the child finishes compulsory
school. If you have two or more children, you may be able
to receive large family supplement. Children who continue
their studies without interruption after the age of 16 also
entitle the family to large family supplement.
Childcare allowance
If you are a parent and are looking after a sick or disabled
child, you may be able to receive childcare allowance. This
is conditional on the child needing special supervision and
care for at least six months or that you have special addi-
tional costs due to the child’s disability.
How it works
Childcare allowance is payable as soon as the child is born.
It is paid up to and including the month of June of the year
when the child reaches the age of 19, when the child be-
comes eligible for disability allowance [handikappersättning]. If
your child is being cared for at a hospital or another institu-
tion, you may continue receiving child allowance for at most
six months. Please note that you can also keep childcare
allowance for an additional six months if the child is seri-
ously ill.
Maintenance
If you are parents who are not living together, the parent
who is not living with the child must contribute to the care
of the child by paying maintenance. You can agree on the
maintenance between yourselves. If you are unable to reach
agreement, the matter can be settled in court.
Maintenance support
If the parent liable for maintenance fails to pay it or pays
an insufficient amount, the person living with the child may
apply for maintenance support from Försäkringskassan. To
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be eligible for maintenance support, you must have custody
and the child must be registered in the Population Register
at your address.
How long?
Maintenance support can be paid at the longest until the
child reaches the age of 18. Extended maintenance support
may be payable up to and including June of the year that the
child reaches the age of 20 (provided that the child is still
studying at compulsory school or upper secondary school
level). The child must be resident and registered in the Popu-
lation Register at the address of one of his or her parents
or someone who had parental responsibility for the child
before he or she reached the age of 18.
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If you have a disability 6
Disability allowance
You may be able to obtain disability allowance from July
of the year you reach the age of 19, provided you become
disabled before the age of 65. To qualify for the allowance,
you must need assistance from another person that is time-
consuming in order to manage your everyday life, your work
or your studies, or else you must have considerable extra
costs as a result of your disability. You must also be in need
of support for at least one year. In some cases, you may con-
tinue to receive this allowance after reaching the age of 65.
Attendance allowance
You are entitled to attendance allowance if you are severely
disabled and require personal assistance to help you man-
age your everyday life. Personal assistance is defined as a
programme of personally designed support to be given in
various situations by a limited number of people. Although
entitlement to this allowance is not subject to a lower age
limit, you must not be over 65 when the allowance is grant-
ed. You must need personal assistance with basic needs (e.g.
with personal hygiene, dressing and undressing, eating,
communicating with others) for an average of more than 20
hours per week.
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Car allowance
You may be able to get a car allowance if you have consider-
able difficulty in getting around on your own or using public
transport. Parents with a disabled child may also be entitled
to car allowance in some cases if they need the car to be able
to travel with the child. Car allowance may also involve a
grant for another means of transportation, such as a moped
or a motorcycle.
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If you are injured 7
at work
Annuity
If you are injured and can no longer work or are earning less
than previously because of your injury, you may be eligible
for an annuity. The annuity compensates you for the income
you have lost as a result of the injury. If you are also granted
sickness or activity compensation, these benefits will be
coordinated with the annuity.
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Death
If a person dies as a result of a work injury, his or her
surviving spouse and children under the age of 18 will be
entitled to an annuity. The size of the annuity depends on
the earned income of the deceased. The annuity will be coor-
dinated with survivor’s pension and survivor’s support for
children. The survivors are also entitled to help in meeting
the funeral expenses.
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If you are taking
part in a labour
market programme
Activity grants
If you are taking part in a labour market programme, such
as employment training, occupational rehabilitation, prac-
tical job experience, work at a datortek [computer centre],
business start-up or youth guarantee, you may also be able
to receive an activity grant.
How it works
The activity grant is normally equal to the daily benefit
you would otherwise have received from your unemploy-
ment insurance fund. It is payable for five days a week. The
Employment Service will help you to find the labour market
programme, which entitles you to the activity grant. The
amount payable is calculated and paid out by Försäkrings-
kassan. The activity grant is a taxable benefit.
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Help with the cost
of housing
Housing allowance
Families with children and also young people without chil-
dren aged between 18 and 29 may be able to get housing
allowance. In order to be able to apply for housing allow-
ance, you must be living and registered in the Population
Register in Sweden. As a rule, you must be registered as
living in the accommodation for which you are applying for
the allowance.
How it works
The amount payable will depend, among other things, on
the size of your household, your income, your housing costs
and the size of your accommodation. Housing allowance is a
preliminary payment and is based on the income you expect
to receive in the whole calendar year. The final allowance is
not established until your actual income for that year has
been assessed for tax purposes. The provisional and final
allowances are then compared. If your provisional allowance
was too low, you will receive a supplementary payment with
interest. Similarly, if your provisional allowance was too
high, you will have to repay the amount to which you were
not entitled plus a charge.
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If you are an employer
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General rules
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Social insurance 8
in practice
Obligations
Notify changes to Försäkringskassan
You must always notify changed circumstances that may be
important for entitlement to benefits.
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Försäkringskassan reports suspected fraud
to the police
Deliberately providing incorrect information or failing to
notify changes that may affect entitlement to benefit may be
a criminal offence. Försäkringskassan reports all suspected
benefit fraud to the police.
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Obligations
What happens if you receive too much benefit?
If you receive a benefit to which you are not entitled, you will
in general be obliged to repay the money. This is the case even
if it was not your fault that you received the payment.
0771-524 524.