Ill for one week. Single APW

The gross wage is reduced by 1/52, i.e. 2,715 FIM. In Finland there is a waiting period of 9 weekdays (after the first day of illness), so there is no compensation at all from the insurance scheme for the first week of illness. The benefit has no maxi-mum, the minimum is 0.

The gross compensation percentage is 0. When the APW is ill for one week his or her disposable income is 89,112 FIM.

The decrease in disposable income compared to the situation without illness is 90,449 - 89,112 = 1,337 FIM or 1.5 per cent.

In Finland labour market agreements are covering the relatively long waiting period.

In the usual situation the employee therefore receives wages during short term illness. In some agreements wages will be paid during illness for 1 to 2 months.

2. Unemployed for 3 months during the year, insured. Single APW

The loss of income is 1/4 of the gross wage, i.e. 35,289 FIM. The compensation on a daily basis is: Basic benefit of 118 FIM/day plus 42 per cent of the difference between 493.95 and 118 = 157.90 FIM/day plus 20 per cent of the difference be-tween 522.51 and 493.95 = 5.71 FIM/day, in total 281.61 FIM/day. The ceiling of the 42 per cent bracket is calculated as 90 × 118 = 10,620 FIM/month or on a daily basis 10,620 : 21.5 = 493.95 FIM. The base for the calculation is 95.5 per cent of the actual monthly wage, i.e. 141,157:12 × 0.955 = 11,234 FIM/month or on a daily basis 11,234 : 21.5 = 522.51 FIM, the entry in the 20 per cent bracket. The calculated daily benefit is paid for 5 days per week. There is a waiting period of 7 days (1 2/5 week), so the compensation is 65-7 = 58 days × 281.61 FIM/day = 16,333 FIM.

There is no maximum benefit, the minimum is 118 FIM/day.

The gross compensation percentage is 16,333 / 35,289 × 100 = 46. The disposable income of the APW is 81,618 FIM when he or she is unemployed 25 per cent of the year.

The decrease in disposable income compared to the situation without unemployment is 90,449 - 81,618 = 8,831 FIM or 9.8 per cent.

3. Unemployed for the whole year, insured. Single APW

There is no gross wage. The compensation is 260-7 = 253 days × 281.61 FIM/day = 71,247 FIM. There is no maximum benefit, the minimum is 118 FIM/day.

The gross compensation percentage is 71,247 / 141,157 × 100 = 50. The disposable income of the APW is 54,917 FIM when he or she is unemployed for the whole year.

The decrease in disposable income compared to the situation without unemployment is 90,449 - 54,917 = 35,532 FIM or 39.3 per cent.

4. Unemployed for 3 months during the year, non-insured. Single APW

The reduction of the gross wage is 35,289 FIM as in case 2. The compensation for an APW, who is not a member of the voluntary unemployment insurance scheme, is 65 - 7 = 58 days × 118 FIM/day = 6,844 FIM, there is also a waiting period of 7 days in this scheme. The benefit is flat-rate.

The gross compensation percentage is 6,844 / 35,289 × 100 = 19. The disposable income is 76,430 FIM in this situation.

The decrease in disposable income compared to the situation without unemployment is 90,449 - 76,430 = 14,019 FIM or 15.5 per cent.

5. Unemployed for the whole year, non-insured. Single APW

There is no gross wage. The compensation is 260 - 7 = 253 days × 118 FIM/day = 29,854 FIM for a whole year when the unemployed APW is not insured. The benefit is flat-rate.

The gross compensation percentage is 29,854 / 141,157 × 100 = 21. The disposable income is 25,378 FIM in this situation.

The decrease in disposable income compared to the situation without unemployment is 90,449 - 25,378 = 65,071 FIM or 71.9 per cent.

The recipient is eligible to receive additional support for housing costs, either from the housing benefit scheme or from social assistance.

6. Wife unemployed for the whole year, insured. APW-couple

There is no gross wage for the wife. The compensation on a daily basis is: Basic benefit of 118 FIM/day plus 42 per cent of the difference between 261.26 and 118 = 60.17 FIM/day, in total 178.17 FIM/day. The entry of 261.26 FIM/day is calculated as 95.5 per cent of the actual monthly wage, i.e. 5,617 FIM or on a daily basis 5,617 : 21.5 = 261.26 FIM/day. There is no 20 per cent component. The calculated daily benefit is paid for 5 days a week. There is a waiting pediod of 7 days (1 2/5 week), so the compensation is 260 - 7 = 253 days × 178.17 FIM/day = 45,077 FIM. There is no maximum benefit, the minimum is 118 FIM/day.

The gross compensation percentage is 45,077 / 70,579 x 100 = 64. The disposable income of the APW-couple is 127,841 FIM, when the wife is unemployed for the whole year in 1997 and usually is working part time (½ APW income).

The decrease in disposable income compared to the situation without unemployment is 142,928 - 127,841 = 15,087 FIM or 10.6 per cent.

7. Injured from work. Single APW

The effects of injuries from work are investigated in two cases. In the first there is a complete loss of working capability. In the second, the working capability is reduced by 33.3 per cent.

1. Working capability completely lost

There is no gross wage. In Finland the compensation (’full pension’) is 85 per cent of the lost income (70 per cent if the recipient is 65 or older), i.e. 119,983 FIM.

The gross compensation percentage is thus 85. The disposable income in this case is 83,508 FIM.

The decrease in disposable income compared to the situation without injuries is 90,449 - 83,508 = 6,941 FIM or 7.7 per cent.

2. Loss of D of the working capability

The loss of income is 47,052 FIM. The compensation is 1/3 of the ’full pension’, i.e. equivalent to 85 per cent of the lost income assuming 2/3 of the wage is maintained. The compensation is 0.85 × 47,052 = 39,994 FIM.

The gross compensation percentage is thus 85. The disposable income is 88,417 FIM, when the APW has lost D of the working capability.

The decrease in dispoable income compared to the situation without injuries is 90,449 - 88,417 = 2,032 FIM or 2.2 per cent.