Sickness benefit qualifying income
On this page you can read about sickness benefit qualifying income (SGI), how it affects what compensation you can receive from Försäkringskassan and what you do to protect your SGI.
SGI means sickness benefit qualifying income. SGI is an amount that Försäkringskassan calculates based on how much you earn per year. Your SGI determines how much money you can receive if you, for example, become ill or go on parental leave. If you do not have an SGI, you risk not receiving any compensation or receive less money. Therefore, it is important that you keep track of your SGI and know how you can influence it.
To be entitled to an SGI, you should
- work in Sweden
- earn, or are expected to earn, at least SEK 11,350 per year
- have worked or are expected to work for at least six consecutive months, or have periods of work that recur each year.
There are several factors that affect your SGI. This applies, for example, if:
- you are a job-seeker
- you are planning to study
- you are going on parental leave
- you have your own company.
Contact us if any of these things apply to you and we will help you.
This is how calculate your SGI
If you have the same salary every month, your SGI is the same amount as your monthly salary times 12. If you do not have the same salary every month, we calculate your annual income based on the income you have had before you apply for the allowance.
It is only income that you receive for doing work that can be included in the SGI. This includes, for example
- your salary before tax
- inconvenient working hours supplement
- overtime compensation
There are ceilings for how high SGI you can receive
There are ceilings for how high SGI you can have. This means that if your income is higher than the ceilings, you will not receive 80 percent of your entire income in benefits, but 80 percent of your SGI. How high the ceiling differs different allowances. So what you earn over the ceiling does not count towards your SGI. Instead, it will be the limit of the ceilings that will be your SGI.
You can receive a maximum of 80 percent of
- SEK 473,000 in parental benefit
- SEK 354,700 in compensation for care of a child and 10 days in connection with the birth of your child
- SEK 378,400 in compensation for sickness benefit.
If you have never worked and had an income
Since SGI is calculated on income from work, you are not entitled to an SGI if you have never worked. This means that you are not entitled to compensation from Försäkringskassan if, for example, you become ill.
Föräldrapenning även om du saknar en SGI
Oavsett om du har rätt till en SGI eller inte kan du få föräldrapenning när du är föräldraledig. Om du inte har rätt till en SGI får du 250 kronor per dag. Om du har rätt till en SGI kan du få föräldrapenning beräknad på den.
Protect your SGI if you stop working or reduce your working hours.
If you stop working and no longer have an income, you may lose your SGI. This means that you are not entitled to compensation if, for example, you get sick. However, in some situations you may have the right to keep your SGI even if you do not have an income or if you work less and have a lower income. This is referred to as your SGI being protected.
Your SGI is protected for three months from the last day you worked. After that it may still be protected if you have done any of the following:
- registered as a job seeker at the Public Employment Service and actively seek work
- began studying (at least half-time) in a programme that entitles you to student aid according to CSN
- studied in your professional field
- were on sick leave and received sickness benefit
- were on parental leave (if your child is under 1 year old)
- were on parental leave and received parental benefit for the time you did not work (if your child has reached the age of 1)
- are participating in a labour market programme and receiving activity grant, development allowance or introduction benefit.
- received monthly financial support for studies, internships or such through security agreements.
It is important that there are no gaps in time where you have neither worked nor protected your previous SGI in any of the ways listed. If it does, your SGI may not be protected.
If you have worked in another country within the EU/EEA or Switzerland before and stopped working there to start working in Sweden, it may be possible that you will be credited with that period so that it entitles you to SGI if you have protected your SGI through corresponding measures in the other country.
Protect your SGI if you get a temporary job
If you get a temporary job that cannot be the basis for a new SGI (because it lasts less than 6 months), you must look for work again through the Employment Service when that work ends to continue protecting your SGI.