If you get sick

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If you are unable to run your business for a period of time due to illness, you may receive compensation from the Swedish Social Insurance Agency (Försäkringskassan). How much compensation you receive will depend on how much profit you withdraw or how much salary you get from your company.

Temporary rules due to the coronavirus

Some of the information on this page may be affected by temporary rules as a result of the coronavirus. 

Temporary rules

Information to entrepreneurs due to the coronavirus

We have collected all the information from the authorities that business owners and employers should be aware of.

How coronavirus affects you as a business owner and employer

If you get sick and are a sole trader or run a general partnership or limited partnership

1) Report sick to the Swedish Social Insurance Agency on the first day of illness
If you are a sole trader or run a general partnership or a limited partnership, you are not an employee. This means that if you get sick, you should report sick to the Swedish Social Insurance Agency on the first sick day. 

Report sick to the Swedish Social Insurance Agency

2) Once you have reported sick you can apply for sickness benefit

How to report and what information you need to give to the Swedish Social Insurance Agency

How the compensation is calculated

If you are a sole trader or have a general partnership, the Swedish Social Insurance Agency decides your sickness allowance-based income (SGI) based on your expected income. If your business is new and your income is low, you may be entitled to an SGI corresponding to that of an employee with the same tasks, education and experience for your first three years in business. This is called a build-up period. It is the Swedish Social Insurance Agency that decides whether you are entitled to a build-up period.

How compensation and SGI are calculated at the Swedish Social Insurance Agency

Qualifying days

Qualifying days are days in the beginning of a sick leave period for which you receive no compensation. If you are self-employed, you may choose to have 1, 14, 30, 60 or 90 qualifying days. If you do not indicate a preference, you will automatically be given 7 qualifying days. The more qualifying days you opt for, the lower your health insurance fee will be. The health insurance fee is included in the self-employed contribution that you pay to the Swedish Tax Agency.

Qualifying days and standard self-employed contributions 2020

1 qualifying day: 29.25 %
7 qualifying days: 28.97 %
14 qualifying days: 28.87 %
30 qualifying days: 28.67 %
60 qualifying days: 28.43 %
90 qualifying days: 28.25 %

Do you want to change the number of qualifying days?

You can do this via My Pages on the Swedish Social Insurance Agency (in Swedish)

If you get sick and have a limited company

Days 1-14

If you own a limited company, you are considered an employee of your business. This means that your company will pay you sick pay for the first 14 days that you are sick.

How to apply for sick pay for limited company owners at the Swedish Social Insurance Agency (scroll to bottom of page and click on In English for English version)

When an employee gets sick

Day 15

When you have been sick for 14 days, you should report sick leave to the Swedish Social Insurance Agency.

Report sick using Arbetsgivartjänsten (the Swedish Social Insurance Agency’s electronic services for employers, in Swedish)

If your company does not have e-identification, you can report sick using a different form

Report sick at the Swedish Social Insurance Agency (in Swedish)

Once you have reported sick you can apply for sickness benefit.

Apply for sickness benefit at the Swedish Social Insurance Agency

How the compensation is calculated

The compensation you receive from the Swedish Social Insurance Agency as of the 15th sick day is calculated based on the salary you pay yourself from your limited company. This means that if you pay yourself little, or not at all, you risk getting no compensation if you get sick.

If your business is new and your income is low, you may be entitled to a sickness allowance-based income corresponding to that of an employee with the same tasks, education and experience for the first three years. This is called a build-up period. It is the Swedish Social Insurance Agency that decides whether you are entitled to a build-up period.

How compensation and SGI are calculated at the Swedish Social Insurance Agency

How much compensation will I receive?

Use the service Ersättningskollen to quickly find out roughly how much you could get in sick pay and other types of compensation. You will get just under 80 percent of what you plan to pay yourself from the business and no more than SEK 706 per day.

Ersättningskollen

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Responsible: Swedish Agency for Economic and Regional Growth

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