Long term disability insurance PlanSjuk

Our Employee Assistance Program gives you access to counselling from a psychologist, ergonomist, financial, legal, health or HR advisor, on both private and work-related matters, as and when you need it. It’s important to get help before the small issues become bigger issues.

Matters such as, stress, ergonomic tips for working from home, relationship issues, mental health problems such as anxiety and depression, conflicts at work, alcohol and drug abuse, gambling addiction, and legal, financial or lifestyle-related issues.

We also provide managerial and HR support on matters such as, how to tackle difficult conversations, conflicts, employees who are ill or at risk of becoming ill, employment law, or laws and regulations regarding the work environment.

Confidential support

When you call, Euro Accident’s own staff will answer and ask for a brief description of your issue. You will then be scheduled with a resource knowledgeable in the area where you need assistance. If you require advice from a psychologist, you will receive help from our in-house psychologists and our provider network. For other types of support, specialists from our competence network are engaged.

Opening hours are weekdays (excluding holidays) between 9:00 AM and 4:00 PM.

Advice is provided via telephone or video call. The conversation is confidential.

Read more about ourEmployee Assistance Program.

If you are at risk of long-term sick leave or if you have recently become signed off sick by a doctor, your manager has to notify us to activate the policy’s rehabilitation cover. Euro Accident has to be notified within 30 days from the first day of sick leave.

We must receive notification within 30 days from the first day of sick leave.

Health & Rehabilitation Process Leader

Once we have been notified, a professional Euro Accident Health & Rehabilitation Process Leader will actively manage the whole process alongside our psychologists. We will assist you, your manager or your HR department in identifying the measures needed, developing an individualised action plan, coordinating and following up actions, as well as evaluating the final result. Upon completion, your employer will also receive a summary with suggestions for going forward.

Our goal is to put in place the work-oriented measures needed in order to avoid long-term sick leave or, alternatively, enable those already signed off to return to work.

The policy provides financial compensation if you were to be signed off sick for a minimum of 25 percent of the time. The compensation is paid monthly following a qualifying period, based on the percentage of time you are signed off sick and until you have recovered (max until your agreed retirement age).

Normally, you miss out on your salary at times of sickness, and the general sick pay from the Swedish Social Insurance Agency only compensates the salary up to a yearly salary of 8 price base amounts.

Compensate your loss of earnings with our Disability Insurance. We offer various levels of compensation, so-called disability templates, up to a maximum of 90 percent of your salary.

This insurance is purchased by companies for company employees. Speak to your employer to see if you have or can have the insurance.

The insurance lasts up until your contracted retirement age, but at most up until the month when you turn 67 years of age.

The Long-term Disability Insurance premium is calculated for one year at a time and is based on age, gender, reported annual salary and the chosen benefit contribution-level. The benefit is adjusted every year-end according to changes of the price and income base-amounts.

If you wish to know what your Long-term Disability Insurance premium is, please contact your insurance intermediary.

Our Employee Assistance Program gives co-workers access to counselling from a psychologist, ergonomist, financial, legal, health or HR advisor, on both private and work-related matters, as and when you need it.

Matters such as, stress, ergonomic tips for working from home, relationship issues, mental health problems such as anxiety and depression, conflicts at work, alcohol and drug abuse, gambling addiction, and legal, financial or lifestyle-related issues.

If a co-worker is at risk of long-term sick leave or if he or she has recently become signed off sick by a doctor, you have to notify us to activate the policy’s rehabilitation cover. Euro Accident has to be notified within 30 days from the first day of sick leave.

A policy that provides financial compensation to co-workers if the co-worker was to be signed off sick for a minimum of 25 percent of the time. The compensation is paid monthly following a qualifying period of three months, based on the percentage of time the co-worker is signed off sick and until the co-worker has recovered (max until the agreed retirement age).

Normally, a co-worker will miss out on their salary at times of sickness, and the general sick pay from the Swedish Social Insurance Agency only compensates the salary up to a yearly salary of 8 price base amounts.

Compensate your co-worker’s loss of earnings with our Disability Insurance. We offer various levels of compensation, so-called disability templates, up to a maximum of 90 percent of your salary.

The insurance can be purchased by companies with a Swedish corporate organisation number for co-workers that:

• are aged 16 up until the day they turn 62,
• are residing and registered in Sweden,
• are entitled to compensation from the Swedish Försäkringskassa, unless otherwise agreed, and
• are in active employment at the time of purchase.
  

The insurance lasts up until the co-worker’s contracted retirement age, but at most up until the month when they turn 67 years of age.

The Long-term Disability Insurance premium is calculated for one year at a time and is based on age, gender, reported annual salary and the chosen benefit contribution-level. The benefit is adjusted every year-end according to changes of the price and income base-amounts.

If you wish to know what the Long-term Disability Insurance premium is, please contact your insurance intermediary.