HRF´s income protection Insurance

On the first of February 2020 HRF, in cooperation with Folksam, will launch an income protection insurance for members. If you are currently a non-member and join us before February 1st you will be covered by the income protection insurance from start otherwise you have to be a member for 12 months to qualify for the insurance. You also have to be a member of Hotell- och resturanganställdas a-kassa, HRAK.

The insurance is a complement to the unemployment benefit.  With HRF`s income protection insurance you can receive 80 percent of your income for salaries up to 50 000 SEK per month.

The standard unemployment insurance fund (a-kassa) delivers 80 percent of your income up to a so called ceiling which is 25 025 SEK per month. With HRF´s income protection insurance you can receive 80 percent of your income for salaries up to 50 000 SEK per month. The time span for the insurance is 100 days or a about three months.

You can also choose to prolong the time with income protection insurance with additional 200 days. Depending on your income the additional time costs between 50 and 133 SEK per month for salaries between 25 026 SEK and 50 000 SEK per month. If you earn between 23885 and 25 025 you can add an additional 100 days for 17 SEK per month.

If you become unemployed you have to first contact the unemployment insurance fund (HRAK) and afterwards contact Folksam by calling 08-700 40 25. You can also visit Folksam´s website www.folksam.se/hrf