Social Insurance About Social Insurance Social insurance is an integral part of the Swedish social security system. The Swedish social insurance covers mainly everyone that lives or works in Sweden. It provides finan- cial protection for families and children, for persons with a disability and in connection with work injury, illness and old age. Through the Swedish membership in the European Union, you may also be eligible for social insurance benefits in other EU member states if you or anyone in your family resides or works in any outher EU member states. Welcome to Försäkrings kassan [the Swedish Social Insurance Agency] This brochure gives a brief introduction to social insurance in Sweden. Social insurance is founded on the idea of people helping each other through a kind of social safety net, which is in place from birth to retirement. Försäkringskassan’s role is to administer social insurance and to ensure that you get the benefits and allowances you are entitled to. To be covered by or be eligible for a social insur- ance benefit, you must, as a rule, either be resident in Sweden or work here. Examples of residence-based benefits are child allowance [barnbidrag] and housing allowance [bostadsbidrag]. If you work in Sweden, you are insured for employment-based benefits, which include sickness benefit [sjukpenning] and rehabilitation allowance [rehabiliteringsersättning]. If you plan to move abroad, information is available in the Swedish brochure “Bo eller arbeta utomlands” [“Living and working abroad”]. As you can see, social insurance is a source of security for most people. At present, you may be unaware of when or how you come into contact with it. However, it may be useful to know that it exists, at whatever stage of your life you are. Contents 1 Security for everyone Sid 6 Why do we have a social insurance system? ______________6 How did social insurance come about? ___________________6 The development of social insurance ____________________ 7 2 If you fall ill Sid 8 How health insurance works ____________________________8 Disease carriers _______________________________________ 10 Care of relatives _______________________________________ 10 Activity compensation ________________________________ 10 Sickness compensation _________________________________11 Dormant sickness and activity compensation ___________ 12 Rehabilitation _________________________________________ 12 Dental care ___________________________________________ 13 3 If you fall ill abroad Sid 14 In EU and EEA countries and Switzerland _______________ 14 Outside the EU/EEA __________________________________ 14 4 If you are pregnant Sid 15 Adoption allowance ___________________________________ 15 Pregnancy rights ______________________________________ 15 Pregnancy benefit ____________________________________ 15 5 For families with children Sid 17 Parental benefit _______________________________________ 17 Temporary parental benefit ____________________________ 17 Paternity leave ________________________________________ 18 Child allowance and large family supplement [flerbarnstillägg] ______________________________________ 18 Childcare allowance ___________________________________ 19 Maintenance __________________________________________ 19 Maintenance support __________________________________ 19 6 If you have a disability Sid 23 Disability allowance ___________________________________23 Attendance allowance _________________________________23 Car allowance ________________________________________ 24 7 If you are injured at work Sid 31 Occupational injury insurance __________________________ 31 Annuity ______________________________________________ 31 8 If you are taking part in a labour market programme Sid 33 Activity grants ________________________________________33 9 Help with the cost of housing Sid 34 Housing allowance ___________________________________ 34 10 If you are an employer Sid 35 Insurance against sick pay costs ________________________35 11 General rules Sid 36 Dissatisfied with the decision? ________________________ 36 Taxation and income tax return ________________________ 36 Price base amount ___________________________________ 36 12 Social insurance in practice Sid 37 From proposal to a new law or amendment to a law ______37 Who manages social insurance? ________________________37 Obligations ___________________________________________37 1 Security for everyone Why do we have a social insurance system? Social insurance aims to provide financial security at every stage of life. It therefore mainly provides support to those who are ill, disabled, parents and pensioners. How did social insurance come about? In earlier periods of social policy, it was known as poor relief and was mainly intended to counter poverty and mass death. In the mid-19th century, Sweden started to become industrialised. Apace with the growth of industry, people left the old artisan and peasant society for employment in factories. Housing conditions were very poor, the work was heavy and dirty, and labour protection was non-existent. As people became more dependent on income in the form of money and not of goods, financial vulnerability increased in connection with ill health, accidents at work and old age. De- mands for social reforms grew, and against the background of a situation where ordinary people were more vulnerable in society than before, social security as we know it today began to develop. This took time, however – more than a hundred years. At the end of the 19th century, people started to come together and established what were known as sick benefit societies to support each other in an emergency. 6 The development of social insurance It was not until 1931 that these societies were recognised by the state and given the name health insurance funds, receiv- ing state funding for their operations. In 1955, the basis was laid for the present Försäkringskassan. Unlike the old health insurance fund, membership was compulsory. A lot has hap- pened since then in this area and now everyone who lives or works in Sweden is covered by social insurance – insur- ance characterised by the notion that the obligation to pay contributions and taxes confers entitlement to a share in social welfare when we are in need of it. The main aim is to guarantee the population a certain level of security in their lives. Throughout the 20th century, reforms were gradually introduced and many improvements were made. Some of the most important changes are listed in the following section. Milestones in the 20th century 1901 Act on Compensation in the event of an Accident at Work 1914 National Old Age Pension Act [folkpension] 1948 Child allowance 1955 National health insurance with income-related sickness benefit and subsidised health care 1955 Occupational injury insurance [Yrkesskadeförsäkring] 1960 ATP, national supplementary pension [ATP, allmän tilläggspension] 1974 Parental insurance [Föräldraförsäkring] 1977 New occupational injury insurance scheme [Arbetsskadeförsäkring] 7 2 If you fall ill How health insurance works Sick pay If you are employed and fall ill, you must report sick to your employer. If you are employed for at least a month or have worked for fourteen consecutive days, you are entitled to sick pay from your employer for the first 14 days of your illness. No payment is made for the first day (the ”waiting period”). If you are still ill after 14 days, your employer will notify Försäkringskassan of your illness. When you are well again, you must provide your employer with written assur- ance that you have been ill and specifying the extent of your absence from work. Sickness benefit If you are not entitled to sick pay, you may be able to get sickness benefit from Försäkringskassan. In this case, you must notify Försäkringskassan that you are ill. You may also be entitled to sickness benefit when you have been ill for 14 days and are no longer receiving sick pay from your employ- er. Försäkringskassan assesses your entitlement to sickness benefit. A long period of illness If you are ill for more than seven days, you will normally be expected to produce a medical certificate in order to con- tinue to receive sick pay or sickness benefit. You can receive sickness benefit for at most 364 days during a 450-day 8 period (around 15 months). If your work capacity is still reduced after a year, you can apply for extended sickness benefit. If you have a very serious illness, you can apply for continued sickness benefit. There is no limit to the length of time that continued sickness benefit can be paid for. If you become unemployed If you become unemployed, it is important that you register within three months of the day on which your work ceased with the Employment Service [Arbetsförmedlingen]. The reason is that when you no longer have income from work, the main rule is that your previous fixed sickness benefit qualifying annual income [SGI] ceases to apply. In some circumstances, however, it is possible to keep your SGI despite your not working. This is the case, for instance, if you are unem- ployed and have registered with the Employment Service as looking for work. Travel allowance instead of sick pay or sickness benefit In certain cases you may qualify for a travel allowance in- stead of sick pay or sickness benefit. This is the case if your employer or Försäkringskassan consider that you are able to work but are unable to get to work in the normal way. Your employer or Försäkringskassan will then pay a reasonable allowance for your additional expenses for travel to and from work. Complete or partial incapacity for work You may draw a quarter, half, three-quarter or full sickness benefit, depending on the extent to which you are unable to work. Försäkringskassan assesses your entitlement to sick- ness benefit and decides whether you are able to carry out your work full-time or part-time despite your illness. Assessment of work capacity During the first 90 days you are on sick leave, you are enti- tled to sickness benefit if you cannot carry out your ordi- nary work. You are subsequently entitled to sickness benefit only if you cannot perform any work for your employer. 9 After 180 days, you are entitled to sickness benefit only if you cannot carry out any work at all in the regular labour market. If you are selfemployed If you are self-employed, you pay your own health insurance contribution. You can reduce your contribution by choosing a longer waiting period. You can choose to have either 14, 30, 60 or 90 days waiting period. If you are a student A number of different rules about entitlement to sickness benefit apply to students. You should therefore contact Försäkringskassan, who can tell you exactly what applies in your particular case, or go to www.forsakringskassan.se. Disease carriers If you have or are suspected to have an infectious disease but are still fit for work, or if you are carrying or suspected of carrying an infection without being ill, you may be able to obtain benefit from Försäkringskassan in the form of disease carrier’s allowance [smittbärarpenning]. You are also entitled to disease carrier’s allowance if you have to stay away from work as a result of a decision under the Commu- nicable Diseases Act or the Food Act. Care of relatives If you stay away from work to look after a seriously ill rela- tive, you may be able to get benefit for care of closely related persons [närståendepenning] from Försäkringskassan and be entitled to time off work. Activity compensation If you are aged between 19 and 29, you may be eligible for activity compensation if your work capacity is reduced by at least a quarter for at least a year. You may have full, three- 10 quarter, half or a quarter activity compensation, depending on how much your work capacity is reduced and your ability to support yourself through work. Extended schooling due to disability If you have a disability, which obliges you to attend compul- sory school or upper secondary school for a longer period, you will be entitled to activity compensation while you are at school, without your work capacity being assessed. Activities While you are receiving activity compensation, you have an opportunity to take part in activities which are aimed at providing you with the means to improve your work capaci- ty. A condition of this is that the activities may be presumed to have a beneficial effect on the circumstances causing the reduction in your work capacity. Sickness compensation If you are aged between 30 and 64, you may be able to receive sickness compensation if your work capacity is permanently reduced by at least a quarter. You may have full, three-quarter, half or a quarter activity compensation, depending on how much your work capacity is reduced and your ability to support yourself through work. Size of sickness and activity compensation Sickness or activity compensation is paid as an income- related benefit and as guarantee benefit [garantiersättning]. Income-related benefit is based on your income from em- ployment. You get guarantee benefit if you have had low or no income. Guarantee benefit is intended to provide basic financial protection regardless of previous income from employment. 11 Dormant sickness and activity compensation If you are receiving sickness or activity compensation, you have the possibility of working without losing your entitle- ment to compensation. This is called dormant sickness or activity compensation. When you have received sickness or activity compensation for at least a year and want to try to see whether you can cope with working, you can apply for a trial period during which you receive compensation and pay at the same time. If your attempt to work is successful, you can apply to have your compensation made dormant. The trial period and the period with dormant compensa- tion may together last for up to 24 calendar months or for the remaining period for which you have been granted compensation. Rehabilitation Sometimes when on sick leave, you need support to be able to start work again. Rehabilitation is a generic term for all measures of medical, psychological, social and work-related nature that are intended to help ill and injured people to re- gain the best possible capacity and conditions for a normal life. Different authorities are responsible for different areas. Health care is responsible for medical treatment and re- habilitation. The employer or the employment service is responsible for work-related measures and the municipality is responsible for social measures. Försäkringskassan coordinates society’s various measures for your rehabilitation and is responsible for attending to your need for rehabilitation to be able to return to work. Försäkringskassan should also take the initiative and coor- dinate the measures needed. Försäkringskassan can support you where necessary in your contact with authorities and others so that you receive the rehabilitation you need. 12 Dental care Everyone who lives in Sweden can receive subsidised dental care [tandvårdsstöd] from the age of 20. Dental care is free of charge for children and young people under 20. Subsidised dental care consists of two components. Den- tal care allowance [tandvårdsbidrag] which is primarily intended for examinations and preventive care and a high- cost protection [högkostnadsskydd]. The high-cost protection means that you only pay part of the cost of major treatment yourself. Försäkringskassan then pays the remaining cost directly to your dentist. 13 3 If you fall ill abroad If you travel abroad for a shorter period, you may be entitled to medical treatment in certain countries. The countries in question are those with which Sweden has an agreement. It can be a good idea to supplement the basic protection pro- vided by social insurance with travel protection from your home insurance or private travel insurance. In EU and EEA countries and Switzerland If you are insured in Sweden, you are entitled to medical treatment that you need during a temporary stay in another EU/EEA country or in Switzerland. You are entitled to treat- ment on the same financial conditions as others who are insured in the country where you are seeking treatment. Ac- cordingly, when patient charges are levied, you pay the same charges as the country’s own inhabitants. The requirement is that you must use a care facility which is affiliated to the public health care system. Don’t forget to take your Europe- an health insurance card [europeiska sjukförsäkringskortet] with you on your journey! Outside the EU/EEA You may also be entitled to health care benefits in coun- tries outside the EU/EEA. This is the case in countries with which Sweden has an agreement. You should always contact Försäkringskassan well in advance of your journey and ask for the certificates you need. 14 If you are pregnant 4 Adoption allowance If you are adopting a child from abroad, you can apply to Försäkringskassan for an adoption allowance. You are eligible for an allowance for adoptions for which a Swedish court has given permission and for adoptions approved by The Swedish Council for Intercountry Adoptions [NIA (Statens Nämnd för Internationella Adoptionsfrågor)]. A decision from the country of origin which applies in Sweden under the terms of the Hague Convention is of equal validity as a decision made by a Swedish court. Pregnancy rights If you are pregnant, you are entitled to be transferred to other duties if you have a physically demanding job that you cannot continue as a result of pregnancy or if you have been suspended from your job under the Work Environment Act. Pregnancy benefit If your employer is unable to transfer you, you may be able to draw pregnancy benefit if: • Your work capacity is reduced by a least a quarter due to your pregnancy and you have a physically demanding job or if you have a job that you are not able to do be- cause of risks in the working environment. If you have physically demanding work, you can draw pregnancy benefit for up to 50 days, starting at the earliest 15 60 days before the expected delivery date. If you have been forbidden to continue working under the Work Environment Act, you may draw pregnancy benefit for each day to which this prohibition applies. You are not eligible for pregnancy benefit for the last ten days before the expected delivery date. If your duties allow you to work part of the day, you may apply for three-quarter, half or quarter pregnancy benefit. 16 For families with 5 children Parental benefit If you have children, you are also entitled to parental benefit if you stay away from work to look after the child. Parental benefit is payable for 480 days for children born in 2002 or later and for 450 days for children born before 2002. The parental benefit days are always shared equally between both parents. One parent may give up the right to parental benefit to the other parent with the exception of 30 days for children born before 2002 and 60 days for children born from 2002 or later. If you are a lone parent, you are entitled to all these days yourself. If you are the mother, you can start drawing parental benefit 60 days before the expected delivery date. Both parents can draw parental benefit for parental training. Parental benefit may be drawn until the child attains the age of eight or when the child comes to the end of his or her first school year. You can choose to draw a full, three-quarter, half, a quarter or an eighth parental benefit. Temporary parental benefit If you have to stay at home from work in order to look after a sick child under the age of twelve, you may be entitled to temporary parental benefit. This also applies if the person who normally looks after the child falls ill. Parents together are eligible for temporary parental benefit for sixty days per child and year. After these 60 days have been used up, a further sixty days can be taken out. It should be noted, 17 however, that these extra days cannot be taken out in the event of illness or infection of the normal carer. You can also draw temporary parental benefit for visits to a doctor or to a child health clinic [barnavårdscentral] with the child. Special need of care and supervision Parents can also draw temporary parental benefit for children who are 12 and below the age of 16. This may be the case if the child, when ill, is in special need of care and supervision. A certificate from a doctor is required that the child is in special need of care and supervision. Special rules apply in the case of children covered by the Act concerning Support and Service for Persons with Certain Functional Impairments [LSS]. Payment Benefit is payable for full, three-quarter, half, a quarter or an eighth day, depending on the extent to which you need time off work. Please note that it is not possible to receive tempo- rary parental benefit for work-free days. Paternity leave If you have recently become a father or are the child’s other parent, you are entitled to ten days’ leave with temporary parental benefit in connection with the birth of the child. You can draw these days within 60 days of the child coming home from the hospital. If you are adoptive parents, you and the other parent are entitled to five days each unless you have agreed on another distribution. You can take these days within 60 days of re- ceiving the child. Child allowance and large family supplement [flerbarnstillägg] If you have a child under the age of 16, you will receive child allowance if the child lives in Sweden. When your child reaches the age of 16, the child allowance ceases and is 18 replaced by extended child allowance if the child still attends compulsory school. Extended child allowance is paid up to and including the month that the child finishes compulsory school. If you have two or more children, you may be able to receive large family supplement. Children who continue their studies without interruption after the age of 16 also entitle the family to large family supplement. Childcare allowance If you are a parent and are looking after a sick or disabled child, you may be able to receive childcare allowance. This is conditional on the child needing special supervision and care for at least six months or that you have special addi- tional costs due to the child’s disability. How it works Childcare allowance is payable as soon as the child is born. It is paid up to and including the month of June of the year when the child reaches the age of 19, when the child be- comes eligible for disability allowance [handikappersättning]. If your child is being cared for at a hospital or another institu- tion, you may continue receiving child allowance for at most six months. Please note that you can also keep childcare allowance for an additional six months if the child is seri- ously ill. Maintenance If you are parents who are not living together, the parent who is not living with the child must contribute to the care of the child by paying maintenance. You can agree on the maintenance between yourselves. If you are unable to reach agreement, the matter can be settled in court. Maintenance support If the parent liable for maintenance fails to pay it or pays an insufficient amount, the person living with the child may apply for maintenance support from Försäkringskassan. To 19 be eligible for maintenance support, you must have custody and the child must be registered in the Population Register at your address. When Försäkringskassan pays out full maintenance sup- port, the parent who does not live with the child must fully or partly reimburse the costs of maintenance support taken from public funds. The amount to be paid depends, among other things, on this person’s income. Maintenance support can also be paid out as supplementary allowance [utfyllnads- bidrag] if you pay child support directly to the other parent. Maintenance support can also be paid to a child who is resi- dent and registered in the Population Register with one or two specially designated persons with custody and to a child who is adopted by only one person. How long? Maintenance support can be paid at the longest until the child reaches the age of 18. Extended maintenance support may be payable up to and including June of the year that the child reaches the age of 20 (provided that the child is still studying at compulsory school or upper secondary school level). The child must be resident and registered in the Popu- lation Register at the address of one of his or her parents or someone who had parental responsibility for the child before he or she reached the age of 18. Changes must be notified to Försäkringskassan It is important that you notify any changes that may affect entitlement to maintenance support. This includes the situa- tion, for example, where the child goes to live with the other parent. 22 If you have a disability 6 Disability allowance You may be able to obtain disability allowance from July of the year you reach the age of 19, provided you become disabled before the age of 65. To qualify for the allowance, you must need assistance from another person that is time- consuming in order to manage your everyday life, your work or your studies, or else you must have considerable extra costs as a result of your disability. You must also be in need of support for at least one year. In some cases, you may con- tinue to receive this allowance after reaching the age of 65. Attendance allowance You are entitled to attendance allowance if you are severely disabled and require personal assistance to help you man- age your everyday life. Personal assistance is defined as a programme of personally designed support to be given in various situations by a limited number of people. Although entitlement to this allowance is not subject to a lower age limit, you must not be over 65 when the allowance is grant- ed. You must need personal assistance with basic needs (e.g. with personal hygiene, dressing and undressing, eating, communicating with others) for an average of more than 20 hours per week. 23 Car allowance You may be able to get a car allowance if you have consider- able difficulty in getting around on your own or using public transport. Parents with a disabled child may also be entitled to car allowance in some cases if they need the car to be able to travel with the child. Car allowance may also involve a grant for another means of transportation, such as a moped or a motorcycle. 24 If you are injured 7 at work Occupational injury insurance If you are injured at work or on your way to or from work, you may be eligible for compensation from occupational injury insurance. This insurance also covers occupational diseases such as skin conditions brought on by contact with certain substances or back trouble caused by unsuitable work postures. Certain infectious diseases such as nosoco- mial (hospital) disease and jaundice may also be regarded as work injuries. If you are injured at work, you should notify your employer without delay. The employer must then report the injury to Försäkringskassan. Annuity If you are injured and can no longer work or are earning less than previously because of your injury, you may be eligible for an annuity. The annuity compensates you for the income you have lost as a result of the injury. If you are also granted sickness or activity compensation, these benefits will be coordinated with the annuity. 25 Death If a person dies as a result of a work injury, his or her surviving spouse and children under the age of 18 will be entitled to an annuity. The size of the annuity depends on the earned income of the deceased. The annuity will be coor- dinated with survivor’s pension and survivor’s support for children. The survivors are also entitled to help in meeting the funeral expenses. 26 If you are taking part in a labour market programme Activity grants If you are taking part in a labour market programme, such as employment training, occupational rehabilitation, prac- tical job experience, work at a datortek [computer centre], business start-up or youth guarantee, you may also be able to receive an activity grant. How it works The activity grant is normally equal to the daily benefit you would otherwise have received from your unemploy- ment insurance fund. It is payable for five days a week. The Employment Service will help you to find the labour market programme, which entitles you to the activity grant. The amount payable is calculated and paid out by Försäkrings- kassan. The activity grant is a taxable benefit. 27 Help with the cost of housing Housing allowance Families with children and also young people without chil- dren aged between 18 and 29 may be able to get housing allowance. In order to be able to apply for housing allow- ance, you must be living and registered in the Population Register in Sweden. As a rule, you must be registered as living in the accommodation for which you are applying for the allowance. Families with children may receive a contribution towards housing costs, a separate grant for the children living at home and an access allowance [umgängesbidrag] for children who sometimes live at home. Young people without children can receive grants for housing costs. How it works The amount payable will depend, among other things, on the size of your household, your income, your housing costs and the size of your accommodation. Housing allowance is a preliminary payment and is based on the income you expect to receive in the whole calendar year. The final allowance is not established until your actual income for that year has been assessed for tax purposes. The provisional and final allowances are then compared. If your provisional allowance was too low, you will receive a supplementary payment with interest. Similarly, if your provisional allowance was too high, you will have to repay the amount to which you were not entitled plus a charge. 28 If you are an employer Insurance against sick pay costs If your total wage costs for a calendar year are not expected to exceed 130 price base amounts, you as an employer may insure yourself against sick pay costs. The calculation dis- regards the charges you pay in accordance with the Social Insurance Act, the Payroll Charges Act and tax costs accord- ing to the Special Wages Tax (Certain Acquired Instruments) Act. The insurance compensates the policy holder’s sick pay costs according to the Sick Pay Act from the fourth day of the sick pay period. Compensation is also paid for costs incurred for contributions for the Social Security Contribu- tions Act and the Wage Tax Act and also the Special Wages Tax (Certain Acquired Instruments) Act. Note that the insurance does not apply to employees covered by the special high-risk cost protection. The charge for the insurance is calculated from the com- pany’s wage cost and applicable percentage as determined annually by Försäkringskassan. Inform employees who have been given notice If you give notice to employees or if employees receive sev- erance pay, it is important for you to inform them that they must register with the Employment Service as looking for work. This is very important for any future social insurance benefits. 29 General rules Dissatisfied with the decision? If you are dissatisfied with Försäkringskassan’s decision, you can ask for it to be reconsidered or appeal against the decision to the county administrative court [länsrätten]. If you consider the county administrative court’s decision to be incorrect, you can appeal against it to the administrative court of appeal [kammarrätten]. If you also consider the deci- sion of the appeal court to be wrong, you may appeal to the Supreme Administrative Court [Regeringsrätten]. The Supreme Administrative Court only considers cases involving impor- tant matters of principle. Taxation and income tax return Most benefits from Försäkringskassan are taxable and many are also pensionable. In January each year, you will receive a statement of earnings and tax deductions from Försäkrings- kassan for your income tax return. This statement specifies how much you have received from Försäkringskassan in the past year and how much tax has been deducted. Price base amount The price base amount is an amount established by the Government for one year at a time on the basis of figures provided by Statistics Sweden [Statistiska centralbyrån]. It is adjusted annually. When Försäkringskassan calculates, for example, the amount of your pensions, sickness benefit and allowances, it makes use of the price base amount. 30 Social insurance 8 in practice From proposal to a new law or amendment to a law Several times a year, the Government proposes new laws and amendments to laws in the area of social insurance. These proposals are then voted on by the Swedish parlia- ment, the Riksdag. Who manages social insurance? Försäkringskassan manages social insurance. Social insur- ance is uniform throughout the country and funded by the State. The State therefore controls activities through, among other ways, the appointment of boards. Obligations Notify changes to Försäkringskassan You must always notify changed circumstances that may be important for entitlement to benefits. What happens if you receive too much benefit? If you receive benefit to which you are not entitled, you will normally be obliged to reimburse it. This is the case even if it was not your fault that you received the benefit. 31 Försäkringskassan reports suspected fraud to the police Deliberately providing incorrect information or failing to notify changes that may affect entitlement to benefit may be a criminal offence. Försäkringskassan reports all suspected benefit fraud to the police. 32 Obligations What happens if you receive too much benefit? If you receive a benefit to which you are not entitled, you will in general be obliged to repay the money. This is the case even if it was not your fault that you received the payment. It is a criminal offence to give false information The Swedish Social Insurance Agency takes a serious view of fraud. By fraud we mean when someone deliberately tries to get round the rules for obtaining benefit. What happens then if someone commits fraud, for example by leaving false information or by not reporting a change in his or her cir- cumstances? Anyone who commits fraud is liable to repay the money received, and also runs the risk of punishment by fine or imprisonment. Always notify the Swedish Social Insurance Agency of any changes You are obliged to notify changed circumstances that may have a bearing on your right to benefit. More information This brochure provides general information and should not be regarded as a legal text. More information is available on our website www.forsakringskassan.se. You can obtain more information from our customer centre at FK 4002 2010-08-10 0771-524 524.
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