Sem s\u00e6nskur er tryggingar lei\u00f0 til a\u00f0 f\u00e1 fj\u00e1rhagslega vernd gegn einhvers konar \u00e1h\u00e6ttu. \u00c1h\u00e6tta kemur \u00ed e\u00f0li s\u00ednu \u00e1 \u00f3v\u00e6ntustu t\u00edmum. \u00de\u00fa vilt aldrei \u00edmynda \u00fe\u00e9r a\u00f0 lenda \u00ed umfer\u00f0arslysi \u00e1 me\u00f0an vikuna \u00e1 undan missti vinnu og er eini brau\u00f0vinningurinn. \u00deetta eru sorglegir veruleikar sem gerast. Ef \u00fe\u00fa hefur ekki veri\u00f0 f\u00f3rnarlamb \u00fe\u00e1 \u00feekkir \u00fe\u00fa l\u00edklega einhvern sem hefur gengi\u00f0 \u00ed gegnum sl\u00edkt, e\u00f0a hefur lesi\u00f0 um \u00fe\u00e1. Enn betra, \u00fe\u00fa veist aldrei hven\u00e6r straumurinn g\u00e6ti sn\u00faist gegn \u00fe\u00e9r.<\/p>\n\n
Eins miki\u00f0 og allir \u00f3ska og bi\u00f0ja um a\u00f0 m\u00f3tl\u00e6ti komi ekki \u00e1 vegi \u00feeirra getur \u00fea\u00f0 aldrei veri\u00f0 n\u00f3g a\u00f0 gera \u00fea\u00f0. \u00dea\u00f0 er pers\u00f3nuleg \u00e1byrg\u00f0 a\u00f0 halda \u00e1fram og f\u00e1 tryggingu fyrir hverja \u00e1h\u00e6ttu sem \u00fe\u00fa gerir r\u00e1\u00f0 fyrir a\u00f0 ver\u00f0i \u00e1 vegi \u00fe\u00ednum. Ef svo \u00f3heppilega vildi til a\u00f0 \u00fe\u00fa lendir \u00ed h\u00e6ttu \u00ed Sv\u00ed\u00fej\u00f3\u00f0, munu tryggingaf\u00e9l\u00f6gin \u00fe\u00edn keppast vi\u00f0 a\u00f0 bjarga \u00fe\u00e9r. E\u00f0li og alvarleiki \u00e1h\u00e6ttu \u00ed Sv\u00ed\u00fej\u00f3\u00f0 er mj\u00f6g mismunandi, \u00fear me\u00f0 tali\u00f0 \u00fej\u00f3fna\u00f0ur til umfer\u00f0arslysa. <\/p>\n\n
Samnefnarinn \u00ed allri \u00e1h\u00e6ttunni er a\u00f0 ef \u00fe\u00e6r eiga s\u00e9r sta\u00f0, mun \u00fea\u00f0 koma \u00fe\u00e9r \u00e1 hausinn \u00e1 nokkrum s\u00e6nskum kr\u00f3num til a\u00f0 f\u00e1 til baka, stundum \u00e1tt \u00fe\u00fa ekki einu sinni peninga til a\u00f0 byrja me\u00f0. Vins\u00e6lu tryggingar \u00ed Sv\u00ed\u00fej\u00f3\u00f0 innihalda heilsu, fer\u00f0al\u00f6g, atvinnuleysi, heimili, b\u00edl og g\u00e6lud\u00fdr.<\/p>\n\n
Sjukf\u00f6rs\u00e4kring, e\u00f0a \u00f6llu heldur s\u00e6nska sj\u00fakratryggingin, grei\u00f0ir me\u00f0fer\u00f0 fyrir hvern \u00feann einstakling sem b\u00fdr og starfar \u00ed Sv\u00ed\u00fej\u00f3\u00f0. Hins vegar \u00fearf a\u00f0 grei\u00f0a l\u00edtinn hluta af kostna\u00f0i sem nefndur er sj\u00faklingagjald<\/a> . Me\u00f0 tryggingu getur ma\u00f0ur fengi\u00f0 a\u00f0sto\u00f0 vi\u00f0 sj\u00faklingaflutninga, tannl\u00e6kningar, l\u00e6knisme\u00f0fer\u00f0, lyf, sj\u00fakrah\u00fasme\u00f0fer\u00f0 og sj\u00fakra\u00fej\u00e1lfun.<\/p>\n\n S\u00e6nsku sveitarf\u00e9l\u00f6gin hafa umsj\u00f3n me\u00f0 heilbrig\u00f0is- og heilbrig\u00f0is\u00fej\u00f3nustu \u00e1 s\u00ednum sv\u00e6\u00f0um r\u00e9tt eins og Danm\u00f6rk<\/a> . \u00de\u00e1 bj\u00f3\u00f0a sveitarf\u00e9l\u00f6gin \u00e1 sveitarf\u00e9l\u00f6gum upp \u00e1 um\u00f6nnun aldra\u00f0ra og fatla\u00f0ra eftir a\u00f0 \u00feeir koma af sj\u00fakrah\u00fasi. Sem einstaklingur sem \u00e6tlar a\u00f0 dvelja \u00ed meira en 1 \u00e1r \u00ed Sv\u00ed\u00fej\u00f3\u00f0 \u00e6ttir \u00fe\u00fa a\u00f0 hafa pers\u00f3nun\u00famer. \u00deetta er s\u00e6nska skattan\u00fameri\u00f0. \u00dea\u00f0 hj\u00e1lpar manni a\u00f0 f\u00e1 a\u00f0gang a\u00f0 l\u00fd\u00f0heilsukerfinu.<\/p>\n\n Jafnframt veitir sveitarf\u00e9lagi\u00f0 tryggingu fyrir tannl\u00e6knakostna\u00f0i fyrir \u00edb\u00faa yngri en 23 \u00e1ra. \u00dear a\u00f0 auki eru 70% af heilbrig\u00f0is\u00fej\u00f3nustu \u00fej\u00f3\u00f0arinnar fj\u00e1rm\u00f6gnu\u00f0 me\u00f0 \u00fatsvarsgj\u00f6ldum. \u00der\u00e1tt fyrir a\u00f0 almannatryggingar s\u00e9u g\u00f3\u00f0ar upplifa vi\u00f0skiptavinir langan bi\u00f0t\u00edma. \u00deannig velur f\u00f3lk s\u00e9r sj\u00fakratryggingu.<\/p>\n\n \u00c1 einkasj\u00fakrah\u00fasum er stuttur bi\u00f0t\u00edmi. Einnig, \u00feegar \u00fe\u00fa fer\u00f0 \u00e1 einkasj\u00fakrah\u00fas, muntu geta leita\u00f0 til s\u00e9rfr\u00e6\u00f0ings. Ma\u00f0ur getur l\u00edka \u00e1tt m\u00f6guleika \u00e1 a\u00f0 velja s\u00e9r l\u00e6kni. Sem \u00fatlendingur getur veri\u00f0 erfitt a\u00f0 tala s\u00e6nsku; \u00feannig a\u00f0 \u00fea\u00f0 er hagst\u00e6\u00f0ara a\u00f0 f\u00e1 a\u00f0 velja s\u00e9r l\u00e6kni.<\/p>\n\n \u00cdb\u00fai \u00ed Sv\u00ed\u00fej\u00f3\u00f0 sem ver\u00f0ur atvinnulaus getur fengi\u00f0 atvinnuleysisb\u00e6tur. \u00dea\u00f0 er gert \u00ed gegnum ers\u00e4ttning fr\u00e5n a-Kassa e\u00f0a atvinnuleysistryggingakerfi\u00f0. Atvinnuleysistryggingin gildir a\u00f0allega um \u00fe\u00e1 einstaklinga sem hafa unni\u00f0 e\u00f0a starfa \u00ed Sv\u00ed\u00fej\u00f3\u00f0<\/a> .<\/p>\n\n Til a\u00f0 f\u00e1 \u00e1vinninginn \u00e6ttir \u00fe\u00fa a\u00f0 uppfylla eftirfarandi skilyr\u00f0i:<\/p>\n\n Eftir a\u00f0 hafa \u00e1tt r\u00e9tt \u00e1 b\u00f3tunum f\u00e6r\u00f0u \u00feau \u00ed a\u00f0 minnsta kosti 300 daga. Hins vegar er heimilt a\u00f0 veita \u00feeim b\u00f6rnum sem eignast b\u00f6rn \u00e1 \u00fev\u00ed t\u00edmabili 150 daga \u00ed vi\u00f0b\u00f3t. Upph\u00e6\u00f0in sem ma\u00f0ur \u00e1 r\u00e9tt \u00e1 er 80% af \u00feeirri upph\u00e6\u00f0 sem \u00e1\u00f0ur var greidd fyrstu 100 dagana. N\u00e6stu 200 daga er \u00ferepi\u00f0 70% af fyrri tekjum. \u00der\u00e1tt fyrir \u00fea\u00f0 er mikilv\u00e6gt a\u00f0 hafa \u00ed huga a\u00f0 h\u00e1marki\u00f0 er 910 SEK daglega.<\/p>\n\n \u00c1ttu b\u00edl \u00ed Sv\u00ed\u00fej\u00f3\u00f0? \u00de\u00e1 er skylda fyrir \u00feig a\u00f0 vera me\u00f0 tryggingu \u00feegar \u00fe\u00fa keyrir hann um e\u00f0a jafnvel \u00feegar \u00fe\u00fa ert \u00ed b\u00edlast\u00e6\u00f0i, sama tilviki\u00f0 \u00ed Eistlandi<\/a> . L\u00e1gmarksskylda b\u00edlatrygging er \u00e1byrg\u00f0artrygging \u00f6kut\u00e6kja. Tryggingin b\u00fd\u00f0ur upp \u00e1 b\u00e6tur vegna tj\u00f3ns sem \u00fe\u00fa veldur \u00f6\u00f0rum einstaklingi. \u00dea\u00f0 getur l\u00edka veri\u00f0 eign \u00feri\u00f0ja a\u00f0ila e\u00f0a farart\u00e6ki.<\/p>\n\n Fyrir utan \u00feri\u00f0ja a\u00f0ila trygginguna er \u00feri\u00f0ju a\u00f0ila, bruna- og \u00fej\u00f3fatrygging. \u00dea\u00f0 tekur til tj\u00f3ns sem \u00fe\u00fa veldur \u00e1 b\u00edlnum \u00fe\u00ednum. \u00dear a\u00f0 auki n\u00e6r \u00fea\u00f0 til vegara\u00f0sto\u00f0ar, tj\u00f3ns vegna \u00fej\u00f3fna\u00f0ar, glervi\u00f0ger\u00f0a, brunatj\u00f3ns, bilana, rafeindat\u00e6kja og l\u00f6gfr\u00e6\u00f0ikostna\u00f0ar.<\/p>\n\n A\u00f0 lokum, \u00ed Sv\u00ed\u00fej\u00f3\u00f0, erum vi\u00f0 me\u00f0 kask\u00f3tryggingu. Tryggingin tekur b\u00e6\u00f0i til \u00feri\u00f0ja a\u00f0ila, bruna- og \u00fej\u00f3fna\u00f0artryggingar sem og \u00e1byrg\u00f0artryggingu. A\u00f0 auki b\u00e6tir \u00fea\u00f0 tj\u00f3n \u00e1 \u00f6kut\u00e6kjum, utana\u00f0komandi slysum og skemmdum \u00e1 eigin b\u00edl vegna umfer\u00f0arslyss.<\/p>\n\n Hlakkar \u00fe\u00fa til a\u00f0 vernda heimili\u00f0 \u00feitt? Besta skrefi\u00f0 til a\u00f0 taka er a\u00f0 taka heimilistryggingu. \u00dea\u00f0 er besta \u00e1kv\u00f6r\u00f0un sem nokkur h\u00faseigandi getur teki\u00f0 \u00fear sem \u00fea\u00f0 b\u00fd\u00f0ur upp \u00e1 fj\u00e1rhagslegar b\u00e6tur ef slys, veikindi, eldur e\u00f0a innbrot ver\u00f0a. Heimilistrygging n\u00e6r ekki bara til innb\u00fas \u00ed h\u00fasinu. \u00deess \u00ed sta\u00f0 n\u00e6r \u00fea\u00f0 einnig yfir byggingu h\u00fassins. Tryggingin eykur fer\u00f0atengdan kostna\u00f0 sem og \u00e1byrg\u00f0 og l\u00f6gfr\u00e6\u00f0ilegan kostna\u00f0.<\/p>\n\nAtvinnuleysistryggingar \u00ed Sv\u00ed\u00fej\u00f3\u00f0<\/h2>\n\n
B\u00edla tryggingar<\/h2>\n\n
Heimilistrygging<\/h2>\n\n