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Text: Lisa Wallström/Marczak & Utterström
Income-based unemployment insurance (a-kassa) will be introduced in October 2025. But how will the new rules look? Akademikernas a-kassa’s Petter Broman explains.
The biggest change being implemented this autumn is that the compensation will be based on income instead of time worked. This means that more people will be eligible for unemployment benefits, but some will have shorter coverage periods and receive lower compensation than they do today.
“Previously, one had to meet a work requirement based on the number of hours worked. Now, it’s enough to have earned above a certain level for four months, which makes it possible for more people to qualify for unemployment benefits more quickly,” says Petter Broman, policy analyst at Akademikernas a-kassa
At the same time, the overhaul means increased demands on the unemployed, as compensation levels are being reduced more quickly than before.
“Everyone will receive reduced compensation after a longer period of unemployment, which is a major change for our members.”
The reduction also occurs today, but not as quickly. According to the current rules, everyone is entitled to compensation for a total of 300 days.
For the first 200 days, you receive 80 per cent of your income. Thereafter, you receive 70 percent. The new rules mean that the compensation will be reduced to 70 per cent of your income after just 100 days.
The total period of compensation you receive also varies and depends on how long you have had an income from work before becoming unemployed. The 300-day compensation period will only apply to those with regular income during the entire year preceding unemployment. Those who have not had regular income will receive compensation for either 100 or 200 days.
The goal is to shorten the processing time.
The goal is to shorten the processing time.
“The income details needed to meet the qualification requirements will be obtained directly from the Swedish Tax Agency (Skatteverket), which will reduce the processing time for granting the right to compensation,” says Petter Broman.
This means less administration for employers, as they are no longer required to submit employer certificates as we know them today.
Another change is that the compensation will be paid out monthly instead of weekly, which can lead to delays for some members.
Furthermore, jobseekers may be subject to more administrative tasks each month, especially if they combine unemployment with part-time work, sick leave, or caring for a sick child. The monthly compensation applications require jobseekers to report more details about part-time work, sickness, or other benefits.
But despite the tight time frame for implementing the new regulations, Petter Broman is mostly positive about the changes:
“It will be faster and easier to understand whether you can receive compensation from the unemployment insurance fund or not. The rules mean that you gradually get more benefits from being a member of an unemployment fund. Previously, 12 months of membership was required. Now, a middle ground is being introduced where you can receive slightly higher compensation after just six months of membership. I think this is good, especially for those who are new to the job market.”
In order to be eligible to receive compensation, you must have earned a total of at least 120,000 SEK during the previous 12 months. You should have had a minimum income of 11,000 SEK for four of these months.
11 or more months provide 300 days of compensation.
8, 9, or 10 months provide 200 days.
4, 5,6, or 7 months provide 100 days.
If you do not meet the minimum annual income requirement of 120,000 SEK but have had sufficient income (11,000 SEK) for at least four consecutive months, you may qualify for a compensation period of 66 days.
(Source: Regeringen.se)
1. Broader qualification criteria
Previously, you needed to meet a work requirement based on the number of hours worked. Now, it’s enough to have earned above a certain level for four months, which makes it possible for more people to qualify.
2. Adaptation to modern labour market conditions
The regulations take into account gig work, short assignments, and other flexible employment types that don’t fit into the old system.
3. Faster decisions on compensation
Income information is obtained directly from Skatteverket, which reduces processing time for granting the right to compensation.
1. Higher requirements for the jobseeker
Monthly compensation applications require the jobseeker to provide more details about unemployment, part-time work, sickness, or other benefits.
2. Double the administration during the transition period
Two parallel systems apply from October 2025: the existing rules for the already unemployed and new rules for the newly unemployed, which places higher demands on communication and administration.
