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INSURANCE

Riksdag sets tougher limits for sick benefits

The Swedish parliament on Wednesday passed controversial new limits on sickness benefits designed to get more people back into the workforce.

The measure, which passed by a 149-140 vote, means that people who have been on long-term sick leave for 914 days or whose time-limited sickness benefits have run out will be directed to participate in a three-month training course run by the National Public Employment Agency (Arbetsförmedlingen) in order to help them find a way back into the labour market.

No Riksdag members from the three main opposition parties voted in favour of the measure, which Social Democratic parliamentarian Veronica Palm referred to as the “chain of decompensation” when debate on the measure, more formally referred to as the last step in the chain of rehabilitation, began on Wednesday.

Palm charged that the government was promoting policies which took a tough and cynical line toward people suffering from long-term illnesses.

Around 15,000 people are expected to be affected by the changes, which come into effect on January 1st.

During debate on the bill, the opposition accused the government of stripping people of their insurance and associated compensation.

“Your policies are scary and worrying. People will commit suicide because of your policies,” charged Left Party Riksdag member LiseLotte Olsson during the debate, according to the TT news agency.

Eighteen months have passed since the Riksdag first decided to place limits for each link in the chain of Sweden’s welfare and benefits programmes, a move designed to bring as many people back into the workforce as possible.

Wednesday’s debate focused on the specifics of the final step of getting people off sickness benefits and into jobs.

Palm reminded her colleagues that at the time of the original debate, many Riksdag members warned of “dogmatic time limits”.

She brought up the fact that both the Swedish Associations of Local Authorities and Regions (SALAR) and Samhall, a state-owned company which provides jobs to people with disabilities, said the time limits were too unforgiving.

Palm provided her own explanation for why the government didn’t realize the changes would be problematic for people on long-term sick leave.

“It’s because they believed in the stereotype that people are prone to a little bit of cheating. But now it’s been shown that those who are on sick leave are in fact sick,” she said.

“Take a step back, think about it, do it again and do it right.”

Meanwhile, social insurance minister Cristina Husmark Pehrsson of the Moderate Party didn’t rule out other amendments to the health insurance system in addition to those proposed by the majority in the Riksdag’s health and welfare committee.

“We’re following developments carefully,” she said.

At the same time, however, Husmark Pehrsson asserted that the change was one necessary reform after decades of neglect, but that the question was difficult and complicated.

She reminded her colleagues that when the government took office in 2006, there were 770,000 Swedes on long-term sick leave or receiving benefits after being forced out of the workforce early due to illness or injury.

After a year, she continued, people forced to abandon their careers early against their will were then forgotten.

“We want to give everyone a second chance. We’re building a bridge between sickness benefits and the labour market; between the National Social Insurance Agency (Försäkringskassan) and Arbetsförmedlingen,” said Husmark Pehrsson.

“It’s not a bridge, it’s a slide,” countered Palm.

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PROPERTY

How to ensure your French property is insured for storm damage

Storm Ciaran’s property-wrecking passage through France - with another storm forecast for the weekend - may have many people wondering how comprehensive their insurance cover is. 

How to ensure your French property is insured for storm damage

In the wake of Storm Ciaran, thousands of property owners in France are preparing insurance claims – with initial estimates of the bill for damage between €370 million and €480 million.

Home insurance is compulsory in France, whether you own the property you live in or you rent – and it must include some level of storm damage cover. 

Check also to see if your insurance provides cover in case of a declaration of a catastrophe naturelle.

The garantie tempête (storm guarantee) covers damage caused by violent winds. What constitutes a ‘violent wind’ varies from contract to contract, but there appears to be a widespread consensus of agreement on wind speeds over 100km/h.

In most insurance contracts, this covers damage caused by the storm and within the following 48 hours – so you’re covered if, for example, a tree weakened by the storm comes down within that period and damages your property.

Be aware that, while the storm guarantee automatically covers the main property, it generally only covers any secondary buildings and light constructions – such as a veranda, shed, solar panels, swimming pool or fence – if they are specifically mentioned in the contract. 

The same is true of any cars damaged by debris. A basic insurance contract might not include storm damage, so it is always worth checking.

Damage must be reported to your insurer as quickly as possible. The deadline for making declarations is usually five days after any damage is noticed. This is especially important for second home owners, who may not be at the property when the damage occurs. 

In some cases – such as in the aftermath of Storm Ciaran – insurers may extend the reporting period. But under normal circumstances, it’s five days after the damage has been discovered.

What happens next

To make a claim, the first thing to do is contact your insurer by phone or email. Your insurer will take you through the next steps, but usually you have to send in a declaration – which should include an estimate of any losses and for any repairs, with evidence where possible, such as photographs and any receipts for purchases. 

Your insurer may also request proof of wind intensity, which can be provided for example by a nearby weather station.

The insurance company may appoint an expert to come and assess the damage, so make sure to keep damaged property safe until they arrive, as well as all invoices for any urgent repair work. 

What if you’re a tenant?

If you rent your property, you must report any damage inside the accommodation to your insurer and also notify your landlord so that they can file their own claim. 

In the case of a co-propriete, you must declare damage inside the accommodation to your insurer, while the trustee sends his own declaration to the collective insurance (which sometimes covers the private areas) .

How long does it take for claims to be settled?

Payment of the compensation provided for by the “storm guarantee” depends your home insurance contract. After the insurer has estimated the amount of damage, compensation is generally paid between 10 and 30 days following receipt of the insured’s agreement.

What if we got flooded?

In the case of flooding, you may have to wait for a natural disaster order to be issued. 

Catastrophe naturelle

The ‘state of natural disaster’ is a special procedure that was set up in 1982 so victims of exceptional natural events, such as storms, heavy rain, mudslides and flooding, as well as drought, can be adequately compensated for damage to property.

The government evaluates each area and deems whether it qualifies for the status of catastrophe naturelle (natural disaster). 

Essentially once a zone is declared a natural disaster, victims can claim from a pot of funds created by all insurers. If the zone is not declared a disaster, insurance companies are under no obligation to pay out. 

Under a “state of natural disaster” residents are covered for all those goods and property that are directly damaged by the phenomenon, in this case storms.

It applies to residential or commercial buildings, furniture, vehicles and work equipment that are already covered by insurance policies.

Homes must be already covered by a multi-risk insurance policy for the status of natural disaster to count.

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