Extra security between jobs. As a member of Unionen, you are covered by income protection insurance that secures your income of up to SEK 60.000 a month if unemployed for up to 150 days, that is around seven months. This is included in the membership.
Apply for membershipAs a member of Unionen, you are covered by income protection insurance that supplements the payment you receive from your unemployment insurance fund ( a-kassa ).
This means that you can insure an income of up to SEK 60.000 a month if unemployed for up to 150 days, around 7 months.
If you become unemployed and are a member of a Swedish unemployment insurance fund ( a-kassa ), you can receive unemployment payments, but only up to 80 percent of the payment ceiling of SEK 34.000/month (from October 1st 2025)
That means that with only a-kassa , you will not get more than max around SEK 19.000 a month after tax.
You should be a member of a Swedish unemployment insurance fund too, though, since the the unemployment insurance fund ( a-kassa ) is the basis that Unionen's Income insurance supplements.
Everything you earn over SEK 34.000 a month is money that the unemployment insurance fund ( a-kassa ) does not compensate – but when you are a member of Unionen, you can keep up to 70-80 percent* of your former income.
More days and higher ceiling with Income protection insurance is included in the membership, up to an income of SEK 60.000 a month, with compensation paid for up to 150 days, around 7 months.
You decide whether you wish to join an unemployment insurance fund, but we recommend it for your own security and because membership of a Swedish fund is required in order to receive compensation from income protection insurance.
The total amount of compensation when unemployed may differ and may be due to the unemployment insurance fund ( a-kassa ) having established a different compensation founding salary or that you pay different tax on your salary or compensation from the unemployment insurance fund ( a-kassa ) depending on where you live.
In addition to your income insurance included in the membership, you can choose to take out supplementary insurance that allows you to receive compensation for up to 200 days, approximately 9 months. With the supplementary insurance, you can also insure incomes up to SEK 150,000 per month.
Please note that if you want to take out the supplementary insurance, it is your insured salary that determines what is included. When you take out the supplementary insurance, it always applies to your entire insured income and cannot be taken out for only part of your salary.”
If you have an insured income between SEK 34.000 and SEK 60.000 per month, the premium för the supplementary insurance is SEK 50 per month. If you earn more than SEK 60.000 per month, the supplementary insurance covers your income up to SEK 150.000 per month, and you are also entitled to compensation for up to 200 days. If you have an insured monthly salary between SEK 60.000 and SEK 100.000 the premium for the supplementary insurance is SEK 200 per month, and for those with a monthly salary above SEK 100.000 it is SEK 450 per month.
| Insured income | Premium | Included in the supplementary insurance |
| SEK 34 001 - 60 000 per month | SEK 50 | 50 extra days of compensation |
| SEK 60 001 - 100 000 per month |
SEK 200 | Higher income + 50 extra days of compensation |
| SEK 100 001 - 150 000 (or above) per month | SEX 450 | Higher income + 50 extra days of compensation |
Membership in the Unionen trade union for at least 12 months at the time unemployment occurs
Membership in a Swedish unemployment insurance fund ( a-kassa ) for at least 12 months, and fulfillment of the income requirement for compensation from the a-kassa at an initial level of 80% for at least 100 days
A previous income exceeding the compensation ceiling of the a-kassa (above SEK 34,000/month)
