Health and parental insurance for doctoral students with stipends 2014

Higher education institutions shall, through an agreement with us at Kammarkollegiet, provide insurance cover for doctoral students whose studies are funded through a stipend. The insurance shall apply when the doctoral student's stipend is reduced due to absence from studies in the case of illness or parental leave.

Document information

Valid from: 2014-07-01

Sender: Insurance Department

Number of pages in print: 11

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1 General information about the insurance

The insurance consists of three parts

  • Sickness benefit

  • Parental benefit

  • Temporary parental benefit

Where possible, the regulations and concepts of the Social Insurance Code are applied in the policy. The structure of the insurance policy in part also follows that of the Code.

The insurance does not confer entitlement to compensation if the doctoral student is entitled to equivalent compensation under any other insurance cover.

For those whose studies are partially funded through stipends, the benefits in this insurance are limited to that proportion which consists of stipends.

Compensation under the policy is not taxable.

The insurance utilises Compensation Qualifying Income – CQI (Ersättningsgrundande inkomst- EGI) – rather than SGI (Sjukpenninggrundande inkomst, Sickness Benefit Qualifying Income). CQI corresponds to the stipend annually received by the doctoral student.

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1.1 What is Compensation Qualifying Income?

Sickness benefit can be granted to an insured person who has reduced work capacity due to illness. The amount of compensation is dependent on the insured's Compensation Qualifying Income (CQI) and the extent to which his or her work capacity is reduced.

An insured person's CQI also constitutes the basis for calculating parental benefit at the sickness benefit level and temporary parental benefit.

Compensation Qualifying Income is the annual income in money that an insured person may be expected to receive in the form of a stipend.

In order for it to be possible to establish a person's Compensation Qualifying Income, it is necessary for him or her to have been admitted as a doctoral student at a state university or university college and not be an employee.

Also in order for it to be possible to establish the Compensation Qualifying Income, it is necessary for some portion of the insured's annual income to derive from stipends for the pursuit doctoral studies.

2 What is a sickness benefit?

An insured person is entitled to sickness benefit in the event of illness that reduces the doctoral students work capacity by at least one quarter.

Sickness benefit is granted as a full, three-quarter, half or one-quarter benefit.

In assessing whether work capacity is reduced, consideration is to be given to whether insured persons have such capacity due to the illness that they are able to continue pursuing their doctoral studies.

Sickness benefit may not be granted for any period before the illness has been notified to Kammarkollegiet. However, this does not apply if there has been anything to prevent such notification or there are special reasons for the benefits nevertheless to be granted.

Sick leave longer than 7 days requires a doctor's certificate showing that there is a reduced work capacity amounting to full-time work, three quarters, half or one quarter of full-time work.

Sickness benefit is granted at the

  • normal level or

  • continuation level.

The insured's sickness benefit shall be calculated on a basis (calculation basis) that for:

1. sickness benefit at the normal level is equivalent to 80 per cent of the insured's Compensation Qualifying Income after this has been multiplied by 0.97, and

2. sickness benefit at the continuation level is equivalent to 75 per cent of the insured's Compensation Qualifying Income after this has been multiplied by 0.97.

Sickness benefit can be granted for days in a sickness period as long as the insured fulfils the requirements for entitlement to sickness benefit within the period specified below.

Sickness benefit at the normal level is granted for a maximum of 364 days.

Sickness benefit at the continuation level is granted for a maximum of 550 days.

For days in a sickness period, sickness benefit calculated per whole calendar day is to be equivalent to the ratio between the calculation basis according to 1 or 2 above and 365. Sickness benefit is rounded to the nearest whole krona, whereby 50 öre is rounded up.

The insurance has a waiting period (one day) for which sickness benefit is not paid.

Sickness benefits is granted for a maximum of 914 days.

3 What is reduction of work capacity?

The disease is equated a state of incapacity caused by illness for which it received sickness benefits.

In determining whether the insured is sick should be disregarded occupational, economic, social and related conditions.

In assessing whether the work is reduced to the account of the insured due to the disease has such ability that he or she can continue to pursue his doctoral studies.

4 About parental benefits

Parental benefits are granted in the following forms:

  • parental benefit to take care of a child in connection with the birth or adoption of a child and

  • temporary parental benefit in special situations in which a person refrains from doctoral studies in order to take care of a child or in connection with the death of a child.

These parental benefits apply only to the doctoral student and cannot be transferred to another person.

4.1 How much parental benefits will I receive?

Parental benefit can be granted at the:

  • sickness benefit level (CQI),

  • basic level or

  • minimum level.

For the first 180 days of entitlement to parental benefit to take care of a child, the benefit can be granted at either the sickness benefit level or the basic level.

After 180 days, parental benefit can be granted for 210 days at either the sickness benefit level or the basic level and for 90 days at the minimum level.

Parental benefit at the sickness benefit level can be granted to a parent who is insured if it is possible to establish a Compensation Qualifying Income for that parent.

For full parental benefit, the sickness benefit level is equivalent to the parent's calculation basis for sickness benefit at the normal level.

If full parental benefit at the sickness benefit level does not exceed SEK 225 per day, parental benefit at the basic level is instead granted as described below.

Parental benefits can be granted for a maximum of 480 days and will be reduced with the days that the other parent uses.

Parental benefits can be granted until the child finishes the first year of compulsory school or until the child turns 8 if the birthday is after the last day of school.

4.2 Calculating the number of days of entitlement to parental benefit

When calculating the number of days of entitlement to parental benefit, the following applies:

  • One day of full parental benefit corresponds to one day.

  • One day of three-quarter, half, one-quarter or one-eighth parental benefit corresponds to three quarters, half, one quarter and one eighth of one day, respectively.

4.3 What is the basic level?

Parental benefit at the basic level can be granted to a parent who is insured if it is possible to establish a Compensation Qualifying Income for that parent.

For full parental benefit, the basic level is SEK 225 per day.

4.4 What is the minimum level?

Parental benefit at the minimum level can be granted to a parent who is insured and concerns periods when parental benefit may not be granted at the sickness benefit level or the basic level.

For full parental benefit, the minimum level is SEK 180 per day.

4.5 What happens if I have parental benefits from another country/insurance?

If a parent has, under foreign legislation, received a benefit that corresponds to parental benefit in connection with the birth of a child, the period for which that foreign benefit has been granted is deducted from the maximum number of days for which parental benefit can be granted.

The following applies with respect to this deduction:

1. If the foreign benefits are based on income from employment or from other gainful activity, the deduction is to be made in the first instance from the days for which parental benefit can be granted at the sickness benefit level.

2. If the foreign benefits are granted at an amount that for all beneficiaries is uniform and independent of income from employment or from other gainful activity, the deduction is to be made in the first instance from the days for which parental benefit can be granted only at the minimum level.

5 When is temporary parental benefit available?

Entitlement to temporary parental benefit is enjoyed by an insured parent who refrains from carrying out doctoral studies and whose stipend is reduced in connection with the birth of a child or its need of care or in connection with the death of a child.

Temporary parental benefit is granted only to the parent who is a doctoral student and cannot be transferred to another custodian.

Temporary parental benefits is granted for a maximum of 120 days for each year.

5.1 Benefit levels

Temporary parental benefit is granted according to the following benefit levels:

Full, Three-quarter, Half, One-quarter and One-eighth temporary parental benefit is granted for a day when a parent has fully refrained from studies and whose stipend has been fully reduced or reduced by Three-quarter, Half, One-quarter or One-eighth.

5.2 Care of children under the age of 12

A parent is entitled to temporary parental benefit to take care of a child under the age of 12 if the parent needs to refrain from carrying out doctoral studies in connection with:

1. illness or contagious infection in the child,

2. illness or contagious infection in the child's ordinary carer,

3. a visit to the community preventive child health services or

4. a care requirement arising as a result of the child's other parent visiting a doctor with another child of either parent, provided that the latter child is covered by the provisions of temporary parental benefit.

5.3 Special rules for children younger than eight months (240 days)

In the case of care for a child younger than 240 days, temporary parental benefit as above is granted only if childcare arrangements are of a permanent nature. Beyond this, compensation is granted only if the child is being cared for in hospital or is receiving equivalent care in the home.

In the case of care for a child 240 days or older, temporary parental benefit as above is not granted for any period for which parental benefit would otherwise have been granted. However, this does not apply if the child is being cared for in hospital.

Equated with hospital care is temporary care in transitional housing for children covered by Section 1 of the Act (1993:387) concerning Support and Service for Persons with Certain Functional Impairments.

5.4 Children under the age of 12 with special needs

A parent of a sick or disabled child under the age of 12 is entitled to temporary parental benefit when the parent needs to refrain from carrying out doctoral studies in connection with:

1. a visit to an institution in order to participate in the child's treatment or in order to learn how to take care of the child,

2. participation in a course arranged by a healthcare authority for the same purpose as stated in 1,

3. a visit to a doctor because the child suffers from a serious illness,

4. a visit to a doctor as part of the child's treatment or

5. participation in treatment that is prescribed by a doctor for the same purpose as stated in 4.

Temporary parental benefit is granted for a total of no more than 60 days for each child and year.

If the parent needs to refrain from carrying out doctoral studies stated above, temporary parental benefit is granted in addition for no more than 60 days for each child and year.

5.5 Children aged 12 or over, but under the age of 16

A parent is entitled to temporary parental benefit to take care of a child aged 12 or over, but under the age of 16, if it has been confirmed that the child is in need of special supervision or care due to:

1. illness

2. cognitive disability or

3. other disability.

A parent is entitled to temporary parental benefit only if he or she needs to refrain from carrying out doctoral studies for reasons stated in 5.3 above.

In the case of a period for which parental benefit would have otherwise been granted, a parent is entitled to temporary parental benefit only if the child is being cared for in hospital.

5.6 Care of a seriously ill child

Parents of a seriously ill child under the age of 18 are entitled to temporary parental benefit when they need to refrain from carrying out doctoral studies to take care of the child.

A child is considered to be seriously ill when there is a great danger for the child’s life or when the child receives treatment for his or her illness and the child’s life is in danger without this treatment.

Temporary parental benefit is granted for an unlimited number of days.

The days for which you receive temporary parental benefit for care of a seriously ill child do not affect the 120 days per year which parents are entitled to for care of a sick child.

5.7 Calculating temporary parental benefit

Temporary parental benefit is calculated in accordance with the provisions on sickness benefit at the normal level and Compensation Qualifying Income, but with the exception of the provisions on waiting days and the calculation basis for sickness benefit at the continuation level.

For full temporary parental benefit, the level of compensation corresponds to the parent's calculation basis for sickness benefit at the normal level based on a Compensation Qualifying Income calculated as follows (the calculation basis).

The calculation basis is thus sickness benefit at the normal level, which is equivalent to 80 per cent of the insured's Compensation Qualifying Income after this has been multiplied by 0.97.