MONEY MATTERS

Sickness Benefits Due To Pregnancy

A pregnant woman has the right to three different types of payment from Forsäkringskassan:

1.    Sjukpenning (sickness benefits)
A woman has the right to benefits if she is sick during her pregnancy in a way which hampers her capacity to work by at least 25%, irrespective of whether or not the illness is a result of being pregnant.
 
2.    Havandeskapspenning (pregnancy benefits)
Available to women who work in a risk-filled environment, for example where there are chemicals that are damaging to the foetus. It may also be granted if the woman has a physically demanding job.
 
3.    Föräldrapenning (parental leave)
Forsäkringskassan may recommend a woman uses her maternity days prior to the birth, leaving fewer available for after the birth.
 
Clearly there is grey area between these three benefits and when they apply, and a lot is left to the interpretation of the administrative staff involved.
 
However, if a doctor tells a pregnant woman to abstain from working due to pregnancy-related conditions such as back pain, inguinal hernias, fatigue, sleeping problems, and pelvic arthropathy, because her capacity to perform her job is diminished, she they should fall within category 1.
Yet that has not been the case in every instance.
 
A court recently ruled (Nov 09) that Försäkringskassan is guilty of gender discrimination and awarded four women 50 000kr each in damages.  All four women were advised by their doctors to go on sickness benefits for the duration of their pregnancies but their applications to Försäkringskassan for sickness benefits were denied.
 
According to Linda Månsson, one of the four women, Försäkringskassan found that the underlying reason for her complications was the pregnancy, and that being pregnant was not an illness thus she was not entitled to sickness benefits. It was this reasoning that struck Linda as absurd considering – if someone has a heart attack no one asks if it is an unhealthy lifestyle that has lead to the heart attack.
 
Försäkringskassan's reasoning was the basis of the discrimination ruling.
 

 

Assessing the Value

There will be a starting price (utgångspris) issued with the property details but it is important to do a lot of homework before you start bidding to ensure you know what a reasonable price is. Because the size of property is important (particularly in cities), a good guide is the price per square metre that you’re offering – this will often be a point of discussion when you’ve bought somewhere - ‘how much did you pay per m2?’.  Agents should be able to advise you what the ‘going rate’ is for the sort of property you’re looking for. In general, property will sell for more than the starting price – at a very rough estimate, about 15% higher - but this will vary enormously dependent on where you live and the state of the housing market.

If you will be buying a property (normally an apartment) in a communal building, you also need to consider the monthly payment (avgift). Your initial capital payment is not the end of your outlay – you then pay a fee monthly which can be quite significant (sometimes as high as 8000kr or more).

For communal buildings, there is no one person who owns the entire building – every owner-occupant owns a portion of the whole. The monthly payments go towards the communal upkeep of the building plus helping to pay off any mortgage outstanding on the building as a whole. The funds are controlled by a management committee (styrelse) comprising residents from the building and they decide how best to manage the assets. It is therefore also worth getting a copy of the accounts to try and assess how well the money is managed or whether, by buying a property in the building, you are also buying into a huge debt – some of which will be yours. They are usually available and handed out with the prospectus when you receive when you view the property.

Often new buildings have higher monthly fees than older buildings because there is still more debt outstanding on them. In general, properties with a low monthly fee will be able to command a higher initial capital payment but this does not always follow so make sure you do your sums carefully. The bank should be able to help when you prepare your mortgage application by giving you a variety of scenarios on how much you can afford to spend on the capital based on several different monthly fees.

Funding

If you are under 20 while studying, your education is free and the costs will be covered by your municipality. Even at this level the schools are not allowed to ask students to pay fees, even for school excursions. Saying that it is however not unheard of and some schools find a way to get around the problem.

You can also return to gymnasium level study later as a mature student – normally through komvux (see below). In this case, you are entitled to a government grant to help cover your costs and should contact CSN (see university funding) for more details.