Income protection insurance
In order to receive compensation for involuntary unemployment, the other conditions of the insurance cover must also be met. The conditions can be found at Bliwa’s website (Swedish) as Bliwa is the provider of the income insurance.
How the compensation is calculated
Income insurance insures the part of your monthly income that exceeds the compensation ceiling in the unemployment fund. The compensation from the income insurance is based on the unemployment fund's decision regarding compensation-based income, compensation level and compensation period. The total compensation including unemployment fund, any severance pay from security agreements and income insurance, is calculated at up to 80 percent of your average monthly income before tax in the last 12 months.
If you have variable salary components, such as bonuses, you can contact the unemployment fund to find out whether they are included in your compensation-based income.
Your membership period in the unemployment fund affects the compensation level. It can amount to 50 percent, 60 percent or 80 percent of the established compensation-based income. The longer you have been a member of the unemployment fund, the higher the compensation level.
The length of the compensation period you are granted by the unemployment insurance fund is based on the number of months of income in the last 12 months. The compensation days can be 100, 200 or 300 days.
Are you a member of Ledarna? Log into Bliwa
To get an overview of your income protection insurance, take out additional insurance and make changes, apply for compensation and monitor your affairs, log into Bliwa (Swedish) with your BankID.
Insure a higher income and for a longer period of time
If you earn more than SEK 80,000 a month, and/or want to be able to receive compensation for longer than 150 days, you can take out supplementary insurance to cover this.
You can choose to add 100 extra days and insure an income of up to SEK 170,000 a month. You take out supplementary insurance yourself on Bliwa(Swedish).
The terms of the income protection insurance in summary
- The insurance applies to members of Ledarna who are under 66 years of age.
- To be eligible for compensation, you need to have been a member, or had income protection insurance through another trade union with compulsory income protection insurance equivalent to that of Ledarna, for 12 months before you became unemployed.
- To be able to receive compensation from income insurance, you need to receive unemployment benefits from an unemployment insurance fund without suspended days.
Read more about the terms and conditions at Bliwa(Swedish).
Read more and take out supplementary insurance cover
Ledarna’s income protection insurance is administered by Bliwa. You can find out more about the terms and conditions and qualifying periods for our income insurance and supplementary insurance policies on Bliwa’s website(Swedish). You can also take out supplementary insurance, change your income bracket and apply for compensation by logging into My Pages.
Bliwa Skadeförsäkring AB is the insurance company for both the basic insurance cover and the supplementary insurance cover. This is a brief description of Ledarna’s Income Protection Insurance. The full provisions on which the settlement of claims is based can be found in the policy conditions, which are available at bliwa.se(Swedish).
What happens if I hand in my notice?
If your unemployment insurance fund decides you should have some days’ suspension of benefits because you resigned without a valid reason, you are not entitled to compensation from the income protection insurance scheme. It is the unemployment insurance fund that decides on days’ suspension of benefits and Bliwa follows their decision. More information and the full terms and conditions are available at Bliwa(Swedish).
Here you can read more about what applies when you Hand in your notice of termination of employment (Swedish).
What happens if my employment is summarily terminated?
If your unemployment insurance fund has decided to reduce your unemployment benefit by some days because your employment was summarily terminated and your employer had a valid reason for doing so, you are not entitled to compensation from the income protection insurance scheme. It is the unemployment insurance fund that decides on days’ suspension of benefits and Bliwa follows their decision. More information and the full terms and conditions are available at Bliwa(Swedish).
