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Sickness benefit for individuals with a limited company

Sickness benefit is money you can receive if you are unable to work due to illness.  

If you own a limited company, you are considered an employee of your own company. This means that the first 14 days you are sick, your limited company pays you sick pay instead of your regular salary. After that, you can apply for sickness benefit from Försäkringskassan.  

Am I eligible for sickness benefit?

You are eligible for sickness benefit if you:

  • are unable to work during your regular working hours due to illness. You must be away at least one-fourth of your regular working hours to be able to receive sickness benefit.
  • lose work-related income that is sickness benefit qualifying income.
  • are insured in Sweden.

How much do I get?

With the “Ersättningskollen” function, you can quickly and easily see approximately how much you can receive in sickness benefit and other compensation. You receive approximately 80 per cent of what you estimate that you take as salary from the company, but this is capped to no more than SEK 774 per day.

Ersättningskollen

How do I apply?

1. Report your sickness to your limited company

Report your sickness to the limited company the very first day you are sick. The first 14 days you are sick, your limited company pays you sick pay instead of your regular salary.

2. Report your sickness to Försäkringskassan

Once you have been sick for 14 days, you must report your sickness to Försäkringskassan. Since you are considered an employee of your limited company, you must report your sickness to Försäkringskassan yourself. The sickness report must be submitted no later than the 21st sick day. You can report your sickness using the Employer Service (Arbetsgivartjänsten), our e-services for employers.

Anmäl sjukfrånvaro

3. Apply on My pages (Mina sidor)

Once you have submitted a sickness report to Försäkringskassan, you can apply for sickness benefit via My pages (Mina sidor).


If you cannot or do not want to apply via My pages (Mina sidor), call the Customer Centre at 0771-524 524 to have a form sent to your home. You cannot download the form here on the web since it contains some pre-filled information.
 

4. Send in doctor's certificate

Försäkringskassan needs a doctor's certificate with information about your illness or injury. In most counties, electronic certificates can be issued. You can also attach your certificate to you application when you apply for sickness benefit via My pages (Mina sidor). This speeds up the process and you then do not have to send the certificate by post.

In exceptional cases, you can ask your doctor to submit the certificate directly to us electronically.

If you have received a paper copy of your doctor's certificate, send the original to Försäkringskassans Inläsningscentral, 839 88 Östersund.

5. Disbursement

The first sickness benefit disbursement is not paid on a fixed date. It is instead paid once we have completed the processing work. Normally it takes 30 days for us to process your application. It could take longer if we require more information.

After the first disbursement, sickness benefit is paid on a specific date each month. Which date applies for you depends on when you were born:

  • If you were born between the 1st and the 10th: the 25th of each month
  • If you were born between the 11th and the 20th: the 26th of each month
  • If you were born between the 21st and the 31st: the 27th of each month

You can see all of your disbursements on My pages (Mina sidor).

  • If the disbursement date is a Saturday, your money will be paid out on Friday.  
  • If the disbursement date is a Sunday, your money will be paid out on Monday.
  • Disbursement normally scheduled for 25, 26 and 27 December will be paid out on 21 December 2018.

 

If you want to change any aspect of your sick leave

Send in your new doctor’s certificate. You can do this digitally on Mina sidor (My pages).

If you answered yes when asked whether a new doctor’s certificate should serve to extend the sick leave when you applied for sickness benefit, then you do not need to apply.

If you answered no, an application form for extended sickness benefit will be sent to your home. You cannot apply for extended sickness benefit via Mina sidor (My pages).

If you belong to Stockholm County Council or live on Gotland, you may not be able to receive an electronic certificate from your doctor.

 

If you begin working part time or in any other way change the scope of your sickness absence, you must notify us of this. This is done most easily via My pages (Mina sidor).

 

If you recover before your sickness period has run out, report your recovery on My pages (Mina sidor).


 If you cannot use My pages (Mina sidor), call the Customer Centre at 0771-524 524 or contact your personal administrative officer.

 

What happens if I am sick for a long time?

If you are sick for a long time, you will be assigned a personal administrative officer. The administrative officer will contact you after you have received your first disbursement. He/she can help you with anything related to your sickness benefit. The amount of contact you have with your administrative officer depends on how much help you need and how long your sickness absence is expected to last.  

Read more about what applies during a long sick leave under Frequently asked questions.

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Frequently asked questions

Sick pay is the compensation you receive from your limited company instead of pay the first 14 days you are sick.

Log in to My pages (Mina sidor). There, you will be able to see your application and your doctor's certificate.

Yes, it might be delayed since we start processing your case once we have received your application for sickness benefit. And you cannot apply until we have received a report of sickness from your limited company.

Normally it takes 30 days for us to process your application. It could take longer if we require more information.

This depends on how you answered the question regarding extension of sick leave when you applied for sickness benefit.

If you answered yes when asked whether a new doctor’s certificate should serve to extend the sick leave and your sick leave will remain at the same scope, then you do not need to apply. It is enough to just send in your new doctor’s certificate.

If you answered now and your sick leave will remain at the same scope, you must apply for extended sickness benefit. A form will then be sent to your home once we have received your doctor’s certificate. You cannot apply for extended sickness benefit via Mina sidor (My pages).


If you are extending your sick leave, but it is at a different scope than previously (for example, if you are starting to work part-time), then you should not apply for an extension. You should instead apply for a change of scope for sickness benefit. This is done on My pages (Mina sidor).


If you have technical issues

If your e-identification does not work or if you have other technical issues you can get help on our technical support pages. There, you can get assistance from an administrator directly in a web meeting. You are then connected with the administrator, who can see your screen and help you. Web meetings are available during the Customer Centre’s opening hours.

Technical support

If you have a protected identity

If you have a protected identity, you cannot use all of the e-services found on My pages (Mina sidor). You can instead apply using a paper form.

If you must apply using a paper form

If you cannot apply for sickness benefit via My pages (Mina sidor), call the Customer Centre at 0771-524 524 to have a form sent to your home. You cannot download the form here on the web since it has been pre-filled with information about you.

All other forms that can be downloaded from the website can be found under Forms and certificates.

Forms and certificates

Sickness benefit is temporary compensation. It is intended to replace lost income until you can start working again. If and how long you are eligible for sickness benefit depends on how much your illness affects your ability to work.

The first 90 days, you are entitled to sickness benefit if you are unable to perform your regular work.

After 90 days, you are entitled to sickness benefit if you are unable to perform your regular work or any other work your employer can offer.

After 180 days, you are only entitled to sickness benefit if you cannot perform any work on the regular labour market. There are exceptions to this. If it is highly likely that you can return to a job with your employer before 365 days have passed since you got sick. Or if it can be considered unreasonable to assess your capacity to work in relation to work on the regular labour market.

After 365 days, you are only entitled to sickness benefit if you cannot perform any work on the regular labour market. There is one exception to this. If it can be considered unreasonable to assess your work capacity in relation to work on the regular labour market.

After 914 days in total, you can no longer receive sickness benefit. You will be invited to participate in an introduction to working life by the Public Employment Service. While you are there and testing your work capacity, you will receive activity grant from Försäkringskassan. We will contact you in good time beforehand.

There are some exceptions when you can receive sickness benefit even though you have been sick for more than 914 days. Examples of this are if you cannot work due to an occupational injury, admission to hospital or a serious disease. Take to your administrative officer to find out what applies for you.

If you have a permanently diminished work capacity and will probably never be able to work again due to illness or disability, you may be entitled to activity compensation or sickness compensation. Sickness compensation is for people 30 years of age or older, while activity compensation is for people younger than 30.

The first year you are sick, you will receive about 80 per cent of your sickness benefit qualifying income in sickness benefit.

If you are sick for over one year, your sickness benefit is reduced to about 75 per cent of your sickness benefit qualifying income. However, you can apply to stay at the same level if you have a serious illness.

Yes. If you are entitled to parental benefit at the sickness benefit level, you are entitled to sickness benefit if you cannot care for your child due to illness or someone else must be home to care for the child instead of you.

If you are not entitled to parental benefit at the sickness benefit level, then things are a little more complicated. Call the Customer Centre at 0771-524 524 to learn what applies for you.

How to apply for sickness benefit

1. Report your sickness

Report your sickness to Försäkringskassan the very first day you are sick.

Gör en sjukanmälan

2. Apply on My pages (Mina sidor)

Once you have reported your sickness, you can log in to My pages (Mina sidor) and apply for sickness benefit.

If you cannot or do not want to apply via My pages (Mina sidor), call the Customer Centre at 0771-524 524 to have a form sent to your home. You cannot download the form here on the web since it contains some pre-filled information.

3. Send in doctor's certificate

If you are sick for more than 7 days, you must send in a doctor's certificate with information about your illness or injury. You can ask your doctor to submit it electronically or send in the paper.

If you have received a paper copy of your doctor's certificate, send the original to Försäkringskassans Inläsningscentral, 839 88 Östersund.

Sickness benefit qualifying income (SGI) is an amount calculated by Försäkringskassan based on the salary you take from your company each year.

Your SGI is used to determine whether you are entitled to compensation and how much money you can receive you get sick.

By answering a few brief questions about your situation, you can get information about SGI that applies specifically to you as the owner of a limited company. By taking the few seconds required to answer the questions, you will learn:

  • How you become entitled to an SGI.
  • How it is calculated from your income.
  • How your SGI affects the compensation you receive.
  • What applies if your company is new.
  • That it is important to protect your SGI if you stop working or begin working less.

Starta SGI-guiden

You might know already from the start of your sickness absence that you will not be able to go back to your job, but think you might be able to work somewhere else despite your illness.

You may be able to look for a job while you are receiving sickness benefit until you have been on sick leave for 180 days.
It is Försäkringskassan which determines whether you are entitled to sickness benefit while looking for a new job. You should therefore always speak with your personal administrative officer before applying for a new job. He/she can also arrange a meeting with the Public Employment Service, which can help you search for a new job.

If you get a new job, you also have the right to take a leave of absence from your old job.

If you cannot apply via My pages (Mina sidor), call the Customer Centre at 0771-524 524 to have a form sent to your home.

You cannot download the form here on the web since it has been pre-filled with information about you.

Yes, in certain cases.

If you are sick often

If you are sick more than 10 times in a 12-month period, you can skip the qualifying period. This is called general high-risk protection. You do not need to apply for general high-risk protection.

If you know in advance that you will be sick a lot

You can apply for special high risk protection if you know you will be on sick leave several times during a year. You can skip the qualifying period and receive sick pay right from the first day.

You are eligible for special high risk protection if you:

  • have an illness and know ahead of time that you will have to be absent from work at least 10 times a year.
    are donating an organ or undergoing an examination for this type of procedure.

Special high risk protection

Holiday leave days is leave you have earned through work. This means that you should not have to use holiday time to get well. You can instead report yourself sick to your employer. During the first 14 days, you can receive sick pay from your employer. If you are sick for more than 14 days, you can apply for sickness benefit from Försäkringskassan.

Yes. If you can work, but cannot travel to work the way you normally would, you can receive compensation for additional expenses incurred for your trips to work instead of receiving sickness benefit. For example, you can take a taxi instead of the bus if you have trouble walking. If you want to apply for an allowance for travel to and from work, write this in your application on My pages (Mina sidor).

If your illness or injury prevents you from working full time, you can receive sickness benefit part time while receiving compensation for additional expenses for travel to and from work.

If you travel using your own car due to the illness, you receive SEK 18.50 per ten kilometres in compensation.

If you normally have an expense, such as for a bus card, the cost is deducted from the compensation.

Yes, if you still have a permanent job.

Yes, provided that the travel does not negatively impact your rehabilitation or recovery.

If you will be travelling within the EU/EEA or to Switzerland, you do not need to apply to continue receiving your sickness benefit during your travel.

However, if you are travelling to a country outside the EU/EEA or Switzerland, you must apply to continue receiving your sickness benefit during your stay abroad before you leave. Apply on My pages (Mina sidor) or using form FK 7430 :

7430 Request for consent to keep compensation upon stay abroad (76 kB)PDF opens in a new window

Yes, provided that the travel does not negatively impact your rehabilitation or recovery. If you are travelling to an EU/EEA country or Switzerland, you do not have to do anything. However, if you are travelling to a country outside the EU/EEA or Switzerland, you must apply to continue receiving your sickness benefit during your stay abroad before you leave. Apply on My pages (Mina sidor) or using form

Yes, if you have a well-documented illness that puts you at risk of missing work for a long period of time, the limited company may get back the money paid to you as sick pay. This is called special high risk protection. Before such money can be paid back to the limited company, you must first apply for special high risk protection.

Special high risk protection

Yes there is the possibility to change the administrative officer if you are not satisfied. You should discuss this primarily with the administrator so that you can sort out the situation together. If this does not work, you or your administrative officer can contact the administrative officer's closest supervisor.

If you don't know who your administrative officer is, call the Customer Centre at 0771-524 524.

If you are seriously ill, there is no limit regarding how many days you can receive sickness benefit. If you are seriously ill, your sickness benefit if not reduced after one year. You instead continue to receive 80 per cent of your sickness benefit qualifying income. The National Board of Health and Welfare's website provides information on serious illnesses.

National Board of Health and Welfare (socialstyrelsen.se) opens in a new window

If you recovered and returned to work but then got sick again within five calendar days, no new qualifying period applies. But, if five or more calendar days have passed, a new qualifying period applies.

You are insured in Sweden if you work here. There are some exceptions to this rule. You can work in another country and still be insured in Sweden. There are also situations in which you can work in Sweden but be insured in another country. Call the Customer Centre at 0771-524 524 to learn what applies if you:

  • work as a sailor
  • are assigned to work in another country by a Swedish employer or are assigned to work in Sweden by a foreign employer
  • are a diplomat
  • work in two or more countries
  • are a civil servant of an administration that belongs to Sweden but work in another country
  • work as part of a flight crew
  • are a contracted employee within the EU
  • have been granted an exemption to be covered by Swedish social insurance

Yes. For example, you cannot work Monday, Tuesday and Wednesday and be on sick leave Thursday and Friday.

Exceptions can be made in some cases, if this would be medically better for you. Contact your administrative officer