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Sickness benefit for individuals with a sole proprietorship

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

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 will receive in sickness benefit and other compensation. You receive approximately 80 per cent of your business income, but this is capped to SEK 774 per day.

Ersättningskollen

How is my sickness benefit calculated?

Has your company been in business for more than 24 months? If so, your estimated business income determines how much you receive in sickness benefit. We calculate your estimated business income using your business tax forms from the last 3 years.

Has your company been in business for less than 24 months? Then, you might not have earned much estimated income as yet. For this reason, for the first 24 months you receive an amount equal to the sickness benefit an employee with the same work tasks, training and experience would receive.

How many qualifying days do I have?

Qualifying days are the days at the beginning of a sickness absence when you do not receive compensation. If you are self-employed, you can choose the number of qualifying days you want. If you do not make a choice, you are automatically assigned 7 qualifying days.

You can choose between 1, 14, 30, 60 or 90 days for your qualifying period. The more qualifying days you choose, the lower your health insurance fee. During the qualifying period, you receive no sickness benefit.

Once you have turned 55, you cannot change to a shorter qualifying period.

You register a change to your qualifying period most easily on My pages (Mina sidor).


   

 

How do I apply?

1. Report your sickness

Report your sickness the very first day you are sick.

Report your illness (in Swedish)

2. Apply

After reporting your sickness, log in to My pages (Mina sidor) to apply for sickness benefit.


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. 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).

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.

4. Send in your business tax forms (NE or N3 forms)

If your company has been in business for more than 24 months, you must send in copies of your business tax forms from the last 3 years. If you only filed income taxes twice, send in the business tax forms that you have.

If your company has been in business less than 24 months, you do not need to send in any business tax forms.

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 seeking work 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 administrator to help you with all aspects of the sickness benefit. The administrator will contact you after you have received your first disbursement.

If necessary, you will work together to develop a plan to get you back to work. Your administrator can also schedule meetings with the Public Employment Service and your doctor so you can work as a team to develop a solid plan. The amount of contact you have with your administrator 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.

 Hjälp oss göra vår webbplats bättre

Svara på enkäten och berätta vad du tycker om webbplatsen.

Till enkäten öppnas i nytt fönster

Frequently asked questions

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.

You can still receive sickness benefit, but for no more than 7 days before you submitted your registration. This time may be extended if you were unable to report it earlier or if there are special circumstances, e.g. that you are seriously ill.

You can find answers to most questions about your case on My pages (Mina sidor). Otherwise, you can call the Customer Centre at 0771-524 524. If you are still sick after receiving your first sickness benefit payment, you will be assigned a personal administrative officer who will contact you.

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

Yes, you can apply for 75%, 50% or 25% sickness benefit.

You need to inform us if you want to change the scope of your sickness absence, such as changing from full time to part time. This is most easily done by logging in to My pages (Mina sidor), where you can change the scope of your sickness benefit.


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. You apply on My pages (Mina sidor).

Yes, if you are still working in your company, but sickness benefit can be paid out for a maximum of 180 days. If it is estimated that your sick leave will be longer than 180 days, your sickness benefit may be withdrawn earlier.

Yes, it is possible to change administrative officer but this may take some time. If you are not satisfied with your personal administrative officer, you must first speak with them to attempt to remedy the situation. 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.

Yes. This is called preventive sickness benefit. It is paid out so that you can undergo medical treatment or rehabilitation to prevent you from becoming sick or help you recover from an illness more quickly.

Preventive sickness benefit

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 180 days, you are entitled to sickness benefit if you are unable to perform your regular work.

After 180 days, you are only entitled to sickness benefit if you cannot perform any work on the regular labour market. However, this does not apply if we assess the you are highly likely to be able to return to work at your company prior to day 366 or if it can be considered unreasonable to assess your capacity to work in relation to work on the regular labour market. In such case, your work capacity is assessed in relation to the regular labour market after day 180.

If Försäkringskassan judges that you can work, then you are no longer entitled to sickness benefit. Your personal administrative officer can arrange a handover meeting with the Public Employment Service, which can help you find a job.

If you are no longer entitled to sickness benefit

If you have received sickness benefit for the maximum amount of time

Once you have received sickness benefit for the maximum number of days, you will be invited to start working life introduction through the Public Employment Service.

Approximately four months before reaching the maximum number of days, you will receive an information letter from Försäkringskassan. Your personal administrative officer will then contact you to schedule a meeting with the Public Employment Service. During the meeting, you will receive practical information regarding your working life introduction and what compensation you can receive.

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.

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.

Report your illness (in Swedish)

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.

3. Send in a 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 that Försäkringskassan calculates based on how much you earn per year. If you own a company, we base this on your work income from the company. In the SGI guide you can answer a few questions and learn more about how SGI is calculated and how to protect it.   

Starta SGI-guiden

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 already at the beginning of your sick leave know that you will not be able to return to work in your company, but you think that you will be able to work somewhere else despite your illness, you may be able to apply for work while you are on sick leave. This applies until you have been sick leave for 180 days.

It is Försäkringskassan that 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.

You are insured in Sweden if you work here, but there are some exceptions to the rule. Call the Customer Centre at 0771-524 524 to learn what applies in your case.

Yes, in certain cases.

If you are self-employed, you can receive special high-risk protection if you have a waiting period of 1 or 7 qualifying days. A special type of general high-risk protection applies to you. With the general high-risk protection, you are entitled to sickness benefit if you have had more than 5 sickness periods over a period of 12 months or you have been sick more than 21 days in total.

If you chose 14, 30, 60 or 90 qualifying days, you are not covered by general or special high-risk protection.

If you are self-employed, this depends on whether you chose a qualifying period and, if so, which period you chose.

If you chose a qualifying period of 1 day

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.

If you chose a qualifying period of 14, 30, 60 or 90 days

If you recovered and returned to work but then got sick again within 20 calendar days, no new qualifying period applies. But, if 20 or more calendar days have passed, a new qualifying period applies.

If you did not choose a qualifying period

If you did not actively choose a qualifying period, then a qualifying period of 7 calendar days applies. 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 7-day qualifying period applies.

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 administrator officer if you need to work in a different way.

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