SULF

Income insurance

Supplementary insurance
Inkomstförsäkring hos Folksam
The benefits ceiling for ordinary unemployment insurance covers monthly incomes of up to SEK 25 025 only. Our income insurance provides you with cover for income up to SEK 80 000 per month and you receive approximately 80% of your monthly salary for up to 150 days.
  • If your income is less than SEK 25 025 but more than SEK 20 900 per month, you will be covered by this income insurance from day 101 to 150.
  • If you would like extra peace of mind, why not buy supplementary cover that will give you another 150 days - a total of 300 days.
  • When you receive cover for income you also get access to Career Coaching!
Your union has made an agreement on income insurance with Folksam which gives you protection for the first 150 days and the option of taking out cover for 300 days all together.

When you receive cover for income you also get access to Career Coaching. Career Coaching gives you professional and personal help from certified coaches with extensive experience. You will be given practical tools and help to get back on the labour market. 

Below there is a general overview of what income insurance can give you in the form of benefits and the difference between it and unemployment insurance only for the first 150 days of your unemployment period, as well as benefit levels if you subscribe to the supplementary insurance that provides protection for up to 300 days.

The amounts stated correspond to pre-tax benefits.

Benefit days 1-100

Monthly salary Unemployment insurance
day 1-100
Unemployment + income insurance
day 1-100
30 000 SEK/month 20 020 SEK/month 24 000 SEK/month
35 000 SEK/month 20 020 SEK/month 28 000 SEK/month
40 000 SEK/month 20 020 SEK/month 32 000 SEK/month
45 000 SEK/month 20 020 SEK/month 36 000 SEK/month
50 000 SEK/month 20 020 SEK/month 40 000 SEK/month
55 000 SEK/month 20 020 kr/mån 44 000 SEK/month
60 000 SEK/month 20 020 SEK/month 48 000 SEK/month
70 000 SEK/month 20 020 SEK/month 56 000 SEK/month
80 000 SEK/month 20 020 SEK/month 64 000 SEK/month

Benefit days 101-150

Monthly salary Unemployment insurance
day 101-150
Unemployment + income insurance
day 101-150
30 000 SEK/month 16 720 SEK/month 24 000 SEK/month
35 000 SEK/month 16 720 SEK/month 28 000 SEK/month
40 000 SEK/month 16 720 SEK/month 32 000 SEK/month
45 000 SEK/month 16 720 SEK/month 36 000 SEK/month
50 000 SEK/month 16 720 SEK/month 40 000 SEK/month
55 000 SEK/month 16 720 SEK/month 44 000 SEK/month
60 000 SEK/month 16 720 SEK/month 48 000 SEK/month
70 000 SEK/month 16 720 SEK/month 56 000 SEK/month
80 000 SEK/month 16 720 SEK/month 64 000 SEK/month

Benefit days 151-200

Monthly salary Unemployment insurance
day 151-200
Unemployment + income insurance
day 151-200
30 000 SEK/month 16 720 SEK/month 24 000 SEK/month
35 000 SEK/month 16 720 SEK/month 28 000 SEK/month
40 000 SEK/month 16 720 SEK/month 32 000 SEK/month
45 000 SEK/month 16 720 SEK/month 36 000 SEK/month
50 000 SEK/month 16 720 SEK/month 40 000 SEK/month
55 000 SEK/month 16 720 SEK/month 44 000 SEK/month
60 000 SEK/month 16 720 SEK/month 48 000 SEK/month
70 000 SEK/month 16 720 SEK/month 56 000 SEK/month
80 000 SEK/month 16 720 SEK/month 64 000 SEK/month

Benefit days 201-300

Monthly salary Unemployment insurance
day 151-200
Unemployment + income insurance
day 151-200
30 000 SEK/month 16 720 SEK/month 21 000 SEK/month
35 000 SEK/month 16 720 SEK/month 24 500 SEK/month
40 000 SEK/month 16 720 SEK/month 28 000 SEK/month
45 000 SEK/month 16 720 SEK/month 31 500 SEK/month
50 000 SEK/month 16 720 SEK/month 35 000 SEK/month
55 000 SEK/month 16 720 SEK/month 38 500 SEK/month
60 000 SEK/month 16 720 SEK/month 42 000 SEK/month
70 000 SEK/month 16 720 SEK/month 49 000 SEK/month
80 000 SEK/month 16 720 SEK/month 56 000 SEK/month

Important

  • Who is covered?
    In order to be covered by this insurance, you must have been a member of the union continuously for the 12-month period before you became unemployed.

    If you become unemployed
    If you receive benefits from a Swedish unemployment insurance fund, you are entitled to benefits from this insurance. Benefits are paid in arrears and are not liable to tax.

Extend the number of your benefit days

If you would like to extend the number of benefit days, take out our supplementary insurance and get another 150 days, a total of 300.

After the first 150 days, the supplementary insurance gives you up to 80 per cent of your salary, up to SEK 80 000 per month.

*The highest possible insurable salary is SEK 80 000 per month.

Buy the supplementary insurance because:

  • Your security is extended from 150 to 300 days
  • You have sufficient time to organize your situation and get a new job
  • Extra beneficial if the labour market is slow or if there is a recession

What does the supplementary insurance cost?

The premium for supplementary insurance depends on your monthly salary. The highest insurable salary is SEK 80.000/month.

Monthly salary Premium per month
20 900 - 25 000 SEK 33
25 00130 000 SEK 46
30 00136 000 SEK 66
36 00143 000 SEK 83
43 00150 000 SEK 105
50 00155 000 SEK 123
55 00160 000 SEK 138
60 00168 000 SEK 156
68 00175 000 SEK 180
75 00180 000 SEK 198

Important

  • Who is covered by supplementary insurance??
    You are covered by this insurance if you belong to the group qualified for unemployment insurance benefits and if the insurance cover has been in force for twelve months before the date you become unemployed.

    You may not have been unemployed during the qualifying period.

Career Coaching – A new service is available for SULF members receiving income insurance compensation. Folksam offers this service in cooperation with AS3, a nordic career counselling company. You will be provided with the tools to prepare you for your future working life.

Career Coaching gives you professional and personal help from certified coaches with extensive experience. You will be given practical tools and help to get back on the labour market.

Start with Career Coaching

Call AS3: +46706-44 44 02
Email: ul@as3.se

Product sheet - Career Coaching

Read more at AS3

Qualifying for benefits

In order to receive benefits from your income insurance, you must meet these criteria:
  • You must have been a member of the union for at least twelve months before the date you became unemployed
  • You must be entitled to benefits from the Akademikernas a-kassa, AEA

What to do

Benefits from AEA
Submit your application together with a copy of the decision letter and the first payment slip from AEA, to the address below.

Benefits from the Social Insurance Agency (Activity Support)
Submit your application together with a copy of the decision letter from the AEA, a copy of the decision/instruction from the Employment Service and the first payment notice from the Social Insurance Agency, to the address below.

Application for Compensation

Questions about benefits

Good to know

If you have taken out income insurance with another union, the period you have been with them will be counted for your qualifying period. Student membership is counted as qualifying period but does not entitle you to benefits from income insurance.

The right to benefits from income insurance expires at the end of the month before the month you reach the age of 65.

Terms and conditions of insurance

Below you can download complete terms and conditions and your latest insurance certificate. This will provide you with the details of what applies to your insurance.

Insurance certificate (English)