80% of a 100,000‑kronor salary
Stronger protection with income insurance + Akademikernas a-kassa. Becoming unemployed doesn’t have to mean losing a large part of your income. With Akademikernas a-kassa as your foundation and income insurance through your union, you can keep up to 80% of your salary, even if you earn more than the unemployment insurance ceiling.
The unemployment insurance fund – the foundation of your financial security
Akademikernas a-kassa provides a stable basic level of protection if you become unemployed.
A maximum of 27,200 kronor per month before tax
Up to 80% of your previous salary, but only up to the benefit ceiling
Compensation for a limited period, according to current regulations
For many university graduates, this basic compensation is not enough to cover the loss of income. That is why many choose to complement it with income insurance through their union.
Why income insurance?
Income insurance allows you to:
Maintain up to 80% of your salary, even above the unemployment insurance ceiling.
Insure income up to 100,000 kronor, depending on your union.
Gain stronger financial protection while you search for a new job.
This gives you better conditions for finding the right next step in your career.
Saco unions and the Swedish Association of Health Professionals – different levels and conditions
Most Saco unions offer income insurance as a complement to the unemployment insurance fund.
The Swedish Association of Health Professionals (Vårdförbundet) also offers income insurance.
It is important to be aware that:
Compensation levels, ceilings, and the number of benefit days vary between unions.
Some offer a basic income insurance, while others offer supplementary insurance.
Requirements for membership, qualification periods, and working hours differ.
To know exactly what applies to your situation, you need to read the terms and conditions provided by your specific union.
How income insurance works together with Akademikernas a-kassa
The unemployment insurance fund (a‑kassan) pays up to 27,200 kronor before tax.
The income insurance provided through your union tops up your compensation to 80% of your salary, according to the union’s terms.
Together, they provide significantly stronger protection than the unemployment insurance fund alone.
Example: 80% of 100,000 kronor
If you have a monthly salary of 100,000 kronor:
A‑kassan: 27,200 kronor before tax
Income insurance: A supplement that can bring your total compensation up to 80% of 100,000 kronor, depending on your union’s levels and ceilings
The exact amount you receive depends on the terms and conditions of your union’s income insurance.
How to strengthen your financial security
Become a member of Akademikernas a-kassa.
Check which income insurance your union offers.
Read the terms and conditions to understand the levels and ceilings that apply to you.
Read more in your insurance terms
In your union’s insurance terms, you will find information about:
Compensation levels and ceilings
How long the compensation can be paid
The requirements you need to meet to receive benefits
The unemployment insurance fund is the foundation. Income insurance is what makes it possible to keep up to 80% of your salary.
Income insurance through your unionJoin today – before you need us
The earlier you join, the more financial support you may be eligible for. The labour market is changing quickly. Your security shouldn’t have to.
Join Akademikernas a-kassaSecurity for those who want to grow, not stand still.