Annuity – compensation for lost work income due to personal injury
If you lose income due to a personal injury, you can receive compensation from Försäkringskassan. This is called annuity. To receive annuity, a doctor must determine that your personal injury will affect your ability to work for at least one year going forward.
Can I receive annuity?
You may be entitled to annuity if
- you were injured while performing your military service according to the Total Defence Service Duty Act, you appear for enrolment or another form of drafting under this Act, you undergo military training as part of the Armed Forces as a recruit, or if you participate in rescue services.
- the injury has been approved as a personal injury by Försäkringskassan.
- you lose income because you must work fewer hours or cannot work at all, must change job or work tasks, lose out on a bonus, or must undergo retraining due to the injury.
- your income has decreased by at least 1/15 compared to what you were earning before the injury.
- there is a doctor’s certificate or other medical documentation indicating that your personal injury will affect you ability to work for at least a year going forward from the date the doctor wrote the certificate or documentation.
How much do I get?
You receive compensation for your loss of income beginning from the date the doctor determined that your personal injury will affect your ability to work for at least a year. But, you will receive no more than SEK 332,250 a year.
You also receive compensation for two qualifying days. If you have had more qualifying days than this, you can apply for more compensation.
How do I apply?
1. Report the injury
Tell your closest supervisor, manager or the like that you were injured or have become sick through your operations or were injured on your way to or from the operations. He/she must then report the injury to Försäkringskassan.
If the injury first becomes apparent after you have left military or civil defence service, report the injury to Försäkringskassan yourself. Use the form 9210 Registration of occupational injury or personal injury to report it yourself.
2. Försäkringskassan investigates your personal injury
Försäkringskassan will investigate whether your injury or illness can be approved as a personal injury. You will be contacted if necessary.
3. You receive a decision about whether your personal injury is approved or not
After the investigation, you will receive a decision about whether your personal injury is approved or not. We will also send a copy of the decision to the Chamber of Commerce.
4. Apply for annuity
Apply using the form.
5. An administrator will contact you
An administrator will contact you when the investigation has been started.
6. You receive a decision
Our aim is for you to receive a decision within four months from the date the investigation begins. At present, we have long processing times. This means, it could take longer.
Apply for compensation from other insurance coverage
Even if you cannot receive annuity from Försäkringskassan, there may be other forms of compensation you can apply for.
You can receive compensation from the Chamber of Commerce.
You can also receive compensation from Kungafonden.
If you have private accident insurance, you may be entitled to compensation from your insurance company.
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