2023-04-202022/23:SfU14 · p.8SfUMigration & social insurance
Security system for entrepreneurs
Sickness-insurance rules for the self-employed
What's at stake: A period of sick leave can have serious consequences for a small business owner, involving administrative burden and uncertainty about how the compensation will be calculated - a situation that differs from that of employees. How the rules are designed therefore affects how secure it is to run a business while facing the risk of falling ill.
Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.
What the vote decides
The question is whether the Riksdag should already now call on the government to make specific changes to sickness insurance for the self-employed - for example by allowing limited administrative work during compensation and raising the age limit for changing the number of qualifying days - or whether the outcome of the ongoing, broader inquiries into sickness-benefit qualifying income and the safety net for entrepreneurs should be awaited.
Yes Yes — the committee proposal
The committee refers to the ongoing inquiry into the rules on sickness-benefit qualifying income, which is carrying out a broad review, as well as to the inquiry into an improved safety net for the self-employed, which has already put forward proposals on matters such as the income basis and qualifying days. The committee considers there is no reason to pre-empt this ongoing work concerning entrepreneurs, and rejects the motions.
No No — the reservations
Reservation 16 (C)
The reservation (C) calls for sickness insurance to be reviewed so that it better matches the circumstances of entrepreneurs: small business owners should be allowed to carry out some limited administrative activity while receiving compensation, the age limit for changing the number of qualifying days should be raised, and the government should review the rules for allocation reserves so that they count toward the sickness-benefit qualifying income, as well as consider the Parliamentary Social Insurance Inquiry's proposal. The reasoning is that a period of sick leave can have serious consequences for a small business owner, involving administrative burden and uncertainty about how the sickness-benefit qualifying income is calculated.
Summarised from the committee report. Party labels in the summary come from the report, not from the vote.
What do the votes mean here?
Yes The committee proposal: rejecting the motions (keeping things as they are).
No Backing the counter-proposal: reservation 16 by C.
Abstain The party marks a position of its own that is not one of the two final alternatives.
The decision would have held
Explicit commitments that contradicted the vote: LLiberalerna
Ja 202–21Ja 188–35
Counterfactual: the parties above are moved to the position their own documents explicitly point at, carrying their whole contingent present. Every other party keeps its real figures, including dissenters and absentees.
How the AI parties would have voted
For each party: what its own plan – election manifesto and party programme – argues for in this case, next to how the party actually voted. The AI can only answer Yes or No; a party can also abstain.
| AI | Vote | Confidence | Evidence | ||
|---|---|---|---|---|---|
| V | No | Yes 19/0/0/5 | differs | confidence: medium | not addressed |
| S | No | Yes 94/0/0/13 | differs | confidence: medium | not addressed |
| MP | No | Abstain 0/0/14/4 | differs | confidence: medium | not addressed |
| C | No | No 0/21/0/3 | match | confidence: medium | not addressed |
| L | No | Yes 14/0/0/2 | differsagainst own programme | confidence: high | explicit |
| KD | No | Yes 15/0/0/4 | differs | confidence: medium | not addressed |
| M | No | Yes 60/0/0/8 | differs | confidence: medium | not addressed |
| SD | No | Abstain 0/0/64/9 | differs | confidence: high | not addressed |
Committee proposal
The Riksdag rejects the motions 2022/23:368 by Niels Paarup-Petersen (C) points 1 and 2, 2022/23:843 by Daniel Bäckström et al. (C) point 21, 2022/23:858 by Martina Johansson et al. (C) points 18-20, 2022/23:965 by Tobias Andersson et al. (SD) points 10 and 11, 2022/23:1550 by Mathias Tegnér and Jennie Nilsson (both S) points 1, 2 and 4, 2022/23:2170 by Elin Söderberg et al. (MP) point 10 and 2022/23:2176 by Amanda Lind (MP) points 5 in this regard and 6.
Original (Swedish)
Riksdagen avslår motionerna 2022/23:368 av Niels Paarup-Petersen (C) yrkandena 1 och 2, 2022/23:843 av Daniel Bäckström m.fl. (C) yrkande 21, 2022/23:858 av Martina Johansson m.fl. (C) yrkandena 18-20, 2022/23:965 av Tobias Andersson m.fl. (SD) yrkandena 10 och 11, 2022/23:1550 av Mathias Tegnér och Jennie Nilsson (båda S) yrkandena 1, 2 och 4, 2022/23:2170 av Elin Söderberg m.fl. (MP) yrkande 10 och 2022/23:2176 av Amanda Lind (MP) yrkandena 5 i denna del och 6.
Riksdag decision: The Riksdag rejected approximately 160 proposals in motions from the general motion period 2022 on social insurance issues. The Riksdag refers mainly to ongoing work. The motions dealt, among other things, with measures against welfare fraud, security systems for entrepreneurs and students, sickness insurance and rehabilitation, activity and sickness benefits and work injury compensation.
Counter-proposals
- The counter-proposal wants to strengthen the link between work and social insurance rights by basing the income floor on actual income and taxes paid. (C) — Reservation 16
Plan vs actual vote
Every party, in chamber order: what its own plan pointed to, how it voted, and the reasoning behind both. Highlighted rows are where the two differ — but a vote that follows the plan is a result too, so the reasoning is there for every party.
The plan wants to see a humane sickness insurance where no one needs to bash their head against the Social Insurance Agency, and the party programme establishes that social insurance shall be individual and provide income-related compensation in case of illness.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan wants to see a humane sickness insurance where no one needs to bash their head against the Social Insurance Agency, and the party programme establishes that social insurance shall be individual and provide income-related compensation in case of illness. Adjusting the rules on waiting periods, income subject to sickness benefit and limited administration during sick leave makes the insurance usable also for small business owners. The plan's focus is on employees, so the application to business owners is derived.
Original (Swedish)
Planen vill se en mänsklig sjukförsäkring där ingen behöver stånga sig blodig mot Försäkringskassan, och partiprogrammet slår fast att socialförsäkringarna ska vara individuella och ge inkomstrelaterad ersättning vid sjukdom. Att anpassa reglerna om karensdagar, sjukpenninggrundande inkomst och begränsad administration under sjukskrivning gör försäkringen användbar också för småföretagare. Planens fokus ligger på anställda, så tillämpningen på företagare är härledd.
- humane sickness insurancedecisive»Vänsterpartiet vill se en mänsklig sjukförsäkring och ett slut på utförsäkrandet av sjuka.« (2022 manifesto ↗)“The Left Party wants to see a humane sickness insurance and an end to people being taken off insurance.”
- individual social insurance»Socialförsäkringarna ska vara individuella och ge människor en inkomstrelaterad ersättning vid sjukdom, arbetslöshet, föräldraledighet,« (party programme ↗)“Social insurance shall be individual and provide people with income-related compensation in case of illness, unemployment, parental leave,”
- small business owners' vulnerable conditions»småföretagare tillhör varken borgarklassen eller arbetarklassen, men« (party programme ↗)“small business owners belong to neither the bourgeoisie nor the working class, but”
- secure compensation for illness»När du blir sjuk eller föder barn ska du kunna lita på att få ersättning från Försäkringskassan utan att behöva stånga dig blodig.« (2022 manifesto ↗)“When you become ill or give birth you should be able to rely on receiving compensation from the Social Insurance Agency without having to bash your head.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan requires that insurance systems are adapted for those who combine employment with self-employment and that good economic protection in case of loss of income is fundamental.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan requires that insurance systems are adapted for those who combine employment with self-employment and that good economic protection in case of loss of income is fundamental. The counter-proposal's requirement for entrepreneur-adapted sickness insurance rules follows from this, as does the fact that new entrepreneurship shall be stimulated and business rules shall be clear. The individual technical solutions are not addressed in the plan.
Original (Swedish)
Planen kräver att försäkringssystemen avpassas för dem som kombinerar anställning med eget företagande och att ett gott ekonomiskt skydd vid inkomstbortfall är grundläggande. Motförslagets krav på företagaranpassade sjukförsäkringsregler följer av det, liksom av att nyföretagande ska stimuleras och företagsreglerna vara tydliga. De enskilda tekniska lösningarna behandlas inte i planen.
- insurance adapted to enterprisedecisive»Försäkringssystemen måste avpassas för en arbetsmarknad, där allt fler skiftar mellan studier och förvärvsarbete och där många kombinerar anställning med eget företagande.« (party programme ↗)“Insurance systems must be adapted for a labour market where more and more shift between studies and paid work and where many combine employment with self-employment.”
- protection when income ceases»Ett gott ekonomiskt skydd när den egna förvärvsinkomsten faller bort är grundläggande för den enskildes trygghet och frihet.« (party programme ↗)“Good economic protection when own earned income falls away is fundamental for the individual's security and freedom.”
- stimulated new enterprise»Nyföretagande, entreprenörskap och kooperativ och social företagsamhet ska stimuleras. En effektiv konkurrenslagstiftning ska motverka monopol och koncentration.« (party programme ↗)“New entrepreneurship, entrepreneurship and cooperative and social enterprise shall be stimulated. Effective competition law shall prevent monopolies and concentration.”
- better conditions for enterprise»Stärk de långsiktiga förutsättningarna för företagande och innovation.« (2022 manifesto ↗)“Strengthen the long-term conditions for enterprise and innovation.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The party programme establishes that the security insurance shall be broad, have low thresholds and in applicable parts cover self-employed businesses, and the plan wants to abolish the waiting period and sees reduced sick leave employer liability as an important reform for increased entrepreneurship.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The party programme establishes that the security insurance shall be broad, have low thresholds and in applicable parts cover self-employed businesses, and the plan wants to abolish the waiting period and sees reduced sick leave employer liability as an important reform for increased entrepreneurship. A review of sickness insurance that better meets small entrepreneurs' conditions thus aligns with the plan.
Original (Swedish)
Partiprogrammet slår fast att trygghetsförsäkringen ska vara bred, ha låga trösklar och i tillämpliga delar omfatta egna företagare, och planen vill slopa karensdagen samt se minskat sjuklöneansvar som en viktig reform för ökat företagande. En översyn av sjukförsäkringen som bättre möter småföretagares förutsättningar ligger därför i linje med planen.
- broad insurance with low thresholdsdecisive»Försäkringen ska vara bred, ha låga trösklar för« (party programme ↗)“The insurance shall be broad, have low thresholds for”
- insurance covers entrepreneurs»studenter och egna företagare.« (party programme ↗)“students and self-employed.”
- abolished waiting period»slopa karensdagen i sjukförsäkringen.« (2022 manifesto ↗)“abolish the waiting period in sickness insurance.”
- lighter terms for small business»jämte lägre arbetsgivaravgifter och slopat eller« (party programme ↗)“together with lower employer contributions and abolished or”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The election manifesto wants to reform the security system so that more people dare to pursue entrepreneurship and adapt it to business conditions.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The election manifesto wants to reform the security system so that more people dare to pursue entrepreneurship and adapt it to business conditions. That small business owners can handle certain administration during sick leave, that waiting days can be changed and that income replacement insurance rules become predictable is precisely such an adaptation. The party programme also states that safety nets should also cover business people.
Original (Swedish)
Valmanifestet vill reformera trygghetssystemet så att fler vågar satsa på entreprenörskap och anpassa det till företagares villkor. Att småföretagaren får sköta viss administration under sjukskrivning, att karensdagar kan ändras och att SGI-reglerna blir förutsägbara är just en sådan anpassning. Partiprogrammet slår dessutom fast att skyddsnäten också ska omfatta företagare.
- reformed security system for business peopledecisive»Vi vill reformera trygghetssystemet så att fler kvinnor kan satsa på enreprenörskap och se till att statligt riskkapital fördelas mer jämställt.« (2022 manifesto ↗)“We want to reform the security system so that more women can pursue entrepreneurship and ensure that state risk capital is distributed more equally.”
- adaptation to business conditions»Även kvinnors företagande behöver främjas, med trygghetssystem anpassade till företagares villkor och en mer jämställd fördelning av det offentliga riskkapitalet.« (2022 manifesto ↗)“Women's entrepreneurship also needs to be promoted, with security systems adapted to business conditions and a more equal distribution of public risk capital.”
- safety net also for business people»också omfatta företagare och studenter.« (party programme ↗)“also cover business people and students.”
- better conditions for the self-employed»Sänk skatten på jobb och företagande, särskilt för småföretag och egenföretagare.« (2022 manifesto ↗)“Reduce the tax on jobs and business, especially for small businesses and the self-employed.”
The party programme explicitly says that social insurance shall be adapted to entrepreneurs' situation, that entrepreneurs' security in case of illness shall be strengthened and that their ability to choose the level of insurance protection shall increase.
Plan documents: party programme
Reasoning and quotes
The party programme explicitly says that social insurance shall be adapted to entrepreneurs' situation, that entrepreneurs' security in case of illness shall be strengthened and that their ability to choose the level of insurance protection shall increase. The counter-proposal's demands for a review of sickness insurance based on entrepreneurs' circumstances, including waiting periods and calculation of sickness benefit income base, is the same commitment. The plan also wants to reduce regulatory burden for small businesses.
Original (Swedish)
Partiprogrammet säger uttryckligen att socialförsäkringarna ska anpassas till företagares situation, att företagares trygghet vid sjukdom ska förstärkas och att deras möjlighet att välja nivå på försäkringsskyddet ska öka. Motförslagets krav på en översyn av sjukförsäkringen utifrån företagares förutsättningar, inklusive karensdagar och beräkningen av sjukpenninggrundande inkomst, är samma åtagande. Planen vill dessutom minska regelbördan för små företag.
- strengthened security for entrepreneursdecisive»företagares trygghet vid sjukdom och föräldraskap måste förstärkas« (party programme ↗)“entrepreneurs' security in case of illness and parenthood must be strengthened”
- adapted social insurance»Socialförsäkringarna ska anpassas till studerandes och företagares situation.« (party programme ↗)“Social insurance shall be adapted to students' and entrepreneurs' circumstances.”
- voluntary insurance coverage»Företagares möjlighet att välja nivå på« (party programme ↗)“Entrepreneurs' ability to choose the level of”
- reduced regulatory burden»Regelbördan för små företag ska minska« (party programme ↗)“Regulatory burden for small businesses shall be reduced”
The stance rests on the quoted commitment in the party's own documents; the actual vote deviated. Click the quote to verify it in the document.
The plan places small and medium-sized enterprises at the center of economic policy and requires that regulations be designed as simply as possible to facilitate small business activity.
Plan documents: party programme
Reasoning and quotes
The plan places small and medium-sized enterprises at the center of economic policy and requires that regulations be designed as simply as possible to facilitate small business activity. Adapting sick leave insurance to entrepreneurs' conditions, with limited administration during compensation periods and clearer calculation of income subject to sick pay, lies within this commitment. The plan also requires reasonable security during illness and equivalent conditions for different business forms.
Original (Swedish)
Planen sätter de små och medelstora företagen i centrum för näringspolitiken och kräver att reglerna utformas så enkelt som möjligt för att underlätta för småföretagsamhet. Att anpassa sjukförsäkringen till företagares förutsättningar, med begränsad administration under ersättningstid och tydligare beräkning av sjukpenninggrundande inkomst, ligger inom detta åtagande. Planen kräver också rimlig trygghet vid sjukdom och likvärdiga villkor för olika företagsformer.
- good climate for small businessdecisive»och vidmakthållas för ett dynamiskt småföretagande,« (party programme ↗)“and maintained for dynamic small business activity,”
- simple regulations for small businesses»är dessutom viktigt att skattereglerna utformas så enkelt som möjligt för att därigenom underlätta för bland« (party programme ↗)“it is also important that tax regulations be designed as simply as possible to thereby facilitate”
- reasonable security during illness»en rimlig trygghet vid sjukdom, arbetslöshet, arbetsskada och pension.« (party programme ↗)“reasonable security during illness, unemployment, workplace injury and pension.”
- equivalent conditions for business forms»övergripande ansvaret för att likvärdiga villkor ska gälla« (party programme ↗)“overall responsibility for equivalent conditions to apply”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan wants conditions for starting and running a business to be good, the administrative burden to be reduced significantly and incentives for entrepreneurship to be strengthened.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan wants conditions for starting and running a business to be good, the administrative burden to be reduced significantly and incentives for entrepreneurship to be strengthened. Adapting insurance for the self-employed to business reality, with the possibility of limited administration during sick leave and clearer rules for sick pay base income, is in line with this. The programme establishes that risk-taking should be rewarded.
Original (Swedish)
Planen vill att villkoren för att starta och driva företag ska vara goda, att den administrativa bördan minskar kraftigt och att drivkrafterna för företagande stärks. Att anpassa sjukförsäkringen till företagares verklighet, med möjlighet till begränsad administration under sjukskrivning och tydligare regler för sjukpenninggrundande inkomst, ligger i linje med det. Programmet slår fast att risktagande ska belönas.
- good conditions for entrepreneursdecisive»Villkoren för att starta, växa och expandera behöver vara goda för att fler ska våga lämna trygga och välbetalda jobb för att starta företag.« (2022 manifesto ↗)“Conditions for starting, growing and expanding need to be good so more people dare leave secure and well-paid jobs to start a business.”
- reduced administrative burden»Ta bort en tredjedel av företagens administrationskostnader och en tredjedel av regelkrånglet« (2022 manifesto ↗)“Remove a third of companies' administrative costs and a third of red tape”
- strengthened incentives for entrepreneurship»Stärka drivkrafterna för investeringar, forskning och entreprenörskap, genom lägre skatter på företagande« (2022 manifesto ↗)“Strengthen the incentives for investments, research and entrepreneurship, through lower taxes on business”
- risk-taking should be rewarded»Risktagande ska därför belönas.« (party programme ↗)“Risk-taking should therefore be rewarded.”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
The plan states that long-term liability during sick leave can be decisive for a small company's survival and requires improved protection of income covered by sickness insurance as well as increased flexibility and individualization in decisions.
Plan documents: 2022 manifesto
Reasoning and quotes
The plan states that long-term liability during sick leave can be decisive for a small company's survival and requires improved protection of income covered by sickness insurance as well as increased flexibility and individualization in decisions. Reviewing sick leave waiting days, limited administration during sick leave and how SGI is calculated for entrepreneurs follows directly from this. The committee's reasons that ongoing investigations should not be prejudged are not addressed.
Original (Swedish)
Planen konstaterar att långtgående ansvar vid sjukskrivningar kan vara avgörande för ett litet företags överlevnad och kräver förbättrat skydd för den sjukpenninggrundande inkomsten samt ökad flexibilitet och individanpassning i besluten. Att se över karensdagar, begränsad administration under sjukskrivning och hur SGI beräknas för företagare följer direkt av det. Utskottets skäl att pågående utredningar inte bör föregripas berörs inte.
- sick leave risks small businessesdecisive»Långtgående ansvar vid sjukskrivningar kan vara avgörande för ett litet företags överlevnadsmöjligheter.« (2022 manifesto ↗)“Long-term liability during sick leave can be decisive for a small company's survival prospects.”
- protected SGI»Förbättra skyddet för den sjukpenningsgrundande inkomsten (SGI)« (2022 manifesto ↗)“Improve protection of income covered by sickness insurance (SGI)”
- individualized rules»Öka flexibiliteten och individanpassningen i beslutsfattandet« (2022 manifesto ↗)“Increase flexibility and individualization in decision-making”
- lower costs for small businesses»Sänka arbetsgivaravgiften och sjuklönekostnaderna för småföretag« (2022 manifesto ↗)“Lower employer contribution and sick leave costs for small businesses”
The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.
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Sources and documents
- The committee report on riksdagen.se (2022/23:SfU14)
- Committee report full text (HA01SfU14)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2022/23:1034 — Reformerad arbetsskadeförsäkring av Helén Pettersson och Åsa Karlsson (båda S)
- Motion 2022/23:1044 — Förstärkning av samordningsförbunden av Malin Larsson och Anna-Belle Strömberg (båda S)
- Motion 2022/23:1110 — Slopande av de fasta stegen i sjukförsäkringen av Hans Eklind (KD)
- Motion 2022/23:1147 — Krafttag mot välfärdsbrottslighet och felaktiga utbetalningar av Clara Aranda m.fl. (SD)
- Motion 2022/23:1148 — En tryggare merkostnadsersättning och anhörigstöd av Clara Aranda m.fl. (SD)
- Motion 2022/23:1149 — En trygg och värdig pension av Clara Aranda m.fl. (SD)
- Motion 2022/23:1151 — En trygg och human sjukförsäkring med individen i centrum av Clara Aranda m.fl. (SD)
- Motion 2022/23:1153 — En arbetsskadeförsäkring i behov av förändring av Julia Kronlid m.fl. (SD)
- Motion 2022/23:1177 — Inga nya stupstockar i sjukförsäkringen av Olle Thorell och Lena Johansson (båda S)
- Motion 2022/23:1185 — Ett nytt karensavdrag för vanliga löntagare av Olle Thorell och Lena Johansson (båda S)
- Motion 2022/23:1228 — En fungerande sjukförsäkring av Ida Gabrielsson m.fl. (V)
- Motion 2022/23:1334 — Sjukersättning av Karin Sundin m.fl. (S)
- Motion 2022/23:1355 — Avskaffat karensavdrag av Kristoffer Lindberg m.fl. (S)
- Motion 2022/23:1398 — En samlad socialförsäkringsmyndighet av Mathias Bengtsson (KD)
- Motion 2022/23:1507 — Karensavdraget vid sjukdom av Sofia Amloh m.fl. (S)
- Motion 2022/23:1550 — Trygghet för företagare av Mathias Tegnér och Jennie Nilsson (båda S)
- Motion 2022/23:1557 — Tryggheten i socialförsäkringssystemen av Aida Birinxhiku m.fl. (S)
- Motion 2022/23:1607 — Tryggare studietid för studenter av Stina Larsson (C)
- Motion 2022/23:161 — En tryggare sjukförsäkring av Kadir Kasirga och Mirja Räihä (båda S)
- Motion 2022/23:1673 — Jämställdhet för hållbar utveckling av Annie Lööf m.fl. (C)
Source: The Swedish Parliament