If you fall ill

The number of days you can receive compensation from the Collective Agreement Group Insurance is determined by your collective agreement.

• If you are a privately or cooperatively employed worker: compensation is paid from day 15 of the sickness period, and at most until day 360.

• If you are employed within the municipality, region, the Church of Sweden, and certain municipal companies: compensation is paid from day 91 of the sickness period, and at most until day 360. For the first 90 days, most people receive sick pay from their employer. If you receive sick pay for a shorter period, you can receive compensation when you no longer receive sick pay, but at the earliest when you have been on sick leave for 15 days.

A common reason for rejection is that we and the Swedish Social Insurance Agency (Försäkrings­kassan) have different processing times. It takes about 30 days before Försäkrings­kassan pays out compensation.

To be able to receive compensation from us, you must have received sickness benefit from Försäkrings­kassan. We cannot pay anything to you before you have received sickness benefit from Försäkrings­kassan. You will then receive a rejection decision from us. To avoid being rejected, you can wait to notify us until you have received sickness benefit from Försäkrings­kassan.

When you are no longer on sick leave at all, you must report this to the Swedish Social Insurance Agency (Försäkrings­kassan). Our compensation and payments are based on the infor­mation we receive from Försäkrings­kassan, so when you report that you are well to them, you are also considered well with us. Reporting that you are well means that you have fully returned to work; if you are on partial sick leave, you should not report that you are well.

Yes, you can. You do not need to report to the sickness insurance at the same time as you make your report to the Swedish Social Insurance Agency (Försäkrings­kassan). It is perfectly fine to do it later. You can also report older and already completed periods of sick leave.

Yes, we normally deduct 30 percent tax and report the compensation to the Swedish Tax Agency (Skatteverket) every month.

The sickness benefit qualifying income (SGI) is an amount calculated by the Swedish Social Insurance Agency (Försäkrings­kassan) based on your annual income.

Your SGI determines how much sickness benefit (sjukpenning) or parental benefit (föräldrapenning) you may receive.

Extended coverage means that the insurance may continue to apply for up to 720 calendar days after your employment has ended or during a longer period of absence from work, such as a leave of absence.

If you receive daily compensation

Once we receive infor­mation that you have been granted sickness benefit from the Swedish Social Insurance Agency (Försäkrings­kassan), we can pay your daily compensation. We receive infor­mation directly from Försäkrings­kassan about when sickness benefit has been paid.

If you receive monthly compensation

If you receive sickness compensation or activity compensation from Försäkrings­kassan, we pay your monthly compensation on the 25th of each month.

No. The Collective Agreement Sickness Insurance (AGS) is not a diagnosis insurance policy. Instead, it supplements the compensation you receive from the Swedish Social Insurance Agency (Försäkrings­kassan) when you are ill.

You receive compensation from the Collective Agreement Sickness Insurance because you are unable to work due to illness, not because of the specific diagnosis you have.

Yes, you can receive compensation if you are on partial sick leave and receive sickness benefit from the Swedish Social Insurance Agency (Försäkrings­kassan).

You do not need to notify us if Försäkrings­kassan starts paying partial sicknessbenefit instead of full sickness benefit. We receive that infor­mation automatically.