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.
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.
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.
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).
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.
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