If you fall ill

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As an entrepreneur, you are under certain circumstances covered by Swedish social insurance, which may mean you are entitled to compensation if you fall ill and are unable to work due to sickness. This type of compensation is called sickness benefit. The compensation you receive is based on the income you receive from your company.

It is the Swedish Social Insurance Agency (Försäkringskassan) which looks into whether or not you are entitled to sickness benefit and determines the level of your sickness benefit and disburses it.

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Sickness benefit qualifying income

Your sickness benefit qualifying income (SGI) forms the basis of the sickness benefit you may be entitled to when you are unable to work due to sickness. Your sickness benefit is usually around 80 % of your normal income. If you have no income, you are normally not entitled to sickness benefit. Your SGI is calculated in different ways depending on whether you have a limited company, a sole proprietorship or a general partnership.

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If you have a limited company

If you have a limited company, you are considered as an employee in your own company. All employees have a waiting period. The first sick day is a waiting period, during which you receive no sick pay. On days 2 to 14, the company must pay sick pay to you as an employee. Sick pay constitutes around 80 per cent of your normal salary.

From day 15, you must inform the Swedish Social Insurance Agency (Försäkringskassan) that you are still sick and send a medical certificate from your doctor. Thereafter, the Swedish Social Insurance Agency (Försäkringskassan) decides which type of compensation you are entitled to.

The sickness benefit is based on your SGI and is usually around 80 of your normal income. This means that if you do not receive any salary, you are not entitled to any compensation from the Swedish Social Insurance Agency (Försäkringskassan) when you are sick.

Read more about Limited company at the Swedish Social Insurance Agency´s website

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If you have a sole proprietorship or general partnership

If you fall ill and are unable to work, you can receive compensation from the Swedish Social Insurance Agency (Försäkringskassan). Your sickness benefit is based on your sickness benefit qualifying income (SGI). Your sickness benefit is usually around 80 per cent of your normal income.

If you have a sole proprietorship or general partnership, you can choose the length of the waiting period. During the waiting period, you receive no compensation from the Swedish Social Insurance Agency (Försäkringskassan). The longer the waiting period you decide on, the lower the self-employment contributions that you pay to the Swedish Tax Agency. If you do not make an active choice, you automatically have a 7-day waiting period.

When you are ill, you must inform the Swedish Social Insurance Agency (Försäkringskassan) which then assesses whether or not you are entitled to sickness benefit. The Swedish Social Insurance Agency (Försäkringskassan) determines your SGI based on your estimated income from activities, and your sickness benefit is normally around 80 of your SGI. If you do not pay any self-employment contributions on your income, you are not entitled to any sickness benefit.

If you have a newly started company and low income, you will receive an SGI which corresponds to that of an employee with the same tasks, education and experience.

Read more about how your sickness benefit qualifying income is calculated and what rules are applied when you fall ill at the Swedish Social Insurance Agency´s website

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