The insured part of the working income decreases for more workers

As wages have become higher at a faster rate than the inflation rate, the insured share is declining. This is because more and more workers earn more than the ceiling for the maximum amount a person can receive in compensation from social insurance. This applies, among other things, to sickness benefit, temporary parental benefit for the care of children - VAB, and parental benefit.

- When the roofs remain there will be a smaller part, over time, that is insured in these systems. It becomes a problem because you pay fees on all your income, but you get compensation for only part of it, says Ulrik Lidwall. 

The income ceiling is at monthly salaries of SEK 30,000 for sickness benefit and temporary parental benefit, and at SEK 40,000 for parental benefit, according to the report.

Two-thirds of women and just under half of men have full-income health insurance. Workers who thus earn over the roofs have risen sharply since the beginning of the 1990s.

Looking at the development of the proportion of workers earning over the ceiling for temporary parental benefit, the figure has risen from just over 2 percent to over 30 percent for women. The same figure for men has increased from about 15 to over 50 percent. 

However, most employees who earn over the roofs usually have supplementary contract insurance to cover the loss of income. But that, according to Ulrik Lidwall, can also be problematic. 

- Having to pay twice can be discussed if you think it's okay. Historically, it has been wished that both low and high income earners should profit from this system so that they will want to contribute to it. But this is where there is a concern that confidence in the system is weakened when you pay for a system you do not get as much from, he says.