Unionens arbetslöshetskassa

What Unionens arbetslöshetskassa does

Unionens arbetslöshetskassa is a Swedish unemployment insurance fund (a-kassa) affiliated with the trade union Unionen, Sweden's largest union for white-collar workers. Founded in 2008 and headquartered in Malmö, the fund administers mandatory and voluntary unemployment insurance for approximately 761,799 members employed across technology, knowledge work, trade, transport, nonprofits, culture, forestry, agriculture, environment, pharmacy, and entrepreneurship sectors. Members can also include freelancers and company owners. Services are delivered digitally via two e-service portals: 'Mina sidor' (for benefit applications, monthly/weekly reporting, document management, and case handler communication) and 'Mitt medlemskap' (for membership administration, personal data, and fee management), supplemented by phone customer service and an AI-powered informational chatbot.

The technology stack is built around a .NET-based case management system with .NET-based antiforgery security layers and integrations with Swedish government agencies: Skatteverket for income verification, Arbetsförmedlingen for job seeker registration data, Försäkringskassan for benefit coordination, and Pensionsmyndigheten for pension-related data exchange. Payments are disbursed exclusively through Swedbank, and employer-side termination certificates are processed via arbetsgivarintyg.nu, a shared industry portal operated by Sveriges a-kassor. Member identity is authenticated through BankID and Freja eID+. The platform supports both a legacy work-hours-based insurance and, since October 2025, a new income-based insurance system with monthly applications under Sweden's ALF24 reform.

Revenue is generated primarily through recurring monthly membership fees (medlemsavgift) with a 25% tax deduction passed back to members via Skatteverket. Fees are not publicly disclosed and are collected via Kivra e-invoices, internet bank e-invoices, direct debit (autogiro), or OCR-based invoices. As a non-profit mutual, the fund is governed by an elected board and representative assembly (föreningsstämma); it holds no external ownership. The organization operates exclusively in Sweden under IAF regulatory oversight.

Name

Unionens arbetslöshetskassa

Legal name

Unionens arbetslöshetskassa

Website

https://unionensakassa.se

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Unionens arbetslöshetskassa is a Swedish non-profit unemployment insurance fund affiliated with Unionen, administering income-replacement benefits for approximately 761,799 white-collar members across technology, knowledge work, trade, and related sectors via digital self-service portals and government agency integrations.

Ownership category

akta.pro rank

Product category

Unemployment Insurance

NAICS

Insurance and Employee Benefit Funds (5251), Other Insurance Funds (52519)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Unemployment Insurance & Employment Support Benefits (BPAIAKAB)

Keywords

• Unemployment insurance
• Income protection
• Membership services
• Social benefit administration
• Government insurance fund

Headquarters

HQ city

Malmö

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Membership fees (Medlemsavgift): Members pay a recurring membership fee (avgift) to finance the insurance. The fee is tax-deductible, with a 25% reduction on the paid membership fee reflected in the member's tax assessment (deklration). The fund uses e-invoicing through Kivra and traditional bank e-invoicing for fee collection.
2. Interest income on disbursed benefits: When benefits are disbursed monthly, funds are held in transit before payment, generating incidental interest income.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Unionens arbetslöshetskassa is a Swedish unemployment insurance fund (a-kassa) that provides income protection insurance to approximately 761,799 white-collar members who lose their jobs. Members pay recurring membership fees and receive income replacement benefits (up to 80% of previous earnings under the 2025 reformed system) processed via digital self-service portals integrated with multiple Swedish government agencies. The fund also facilitates employer-issued termination certificates and coordinates with labor market transition organizations for supplementary coverage.

Product overview

Unionens arbetslöshetskassa is a Swedish unemployment insurance fund offering a unified member portal with two primary e-service platforms: 'Mina sidor' for unemployment benefit management and 'Mitt medlemskap' for membership administration. The organization operates two parallel insurance systems—the new income-based system (from October 2025) using monthly applications ('Månadsansökan') and the legacy work-hours-based system using weekly time reports ('Tidrapport'). Supporting services include an AI chatbot for general inquiries, the arbetsgivarintyg.nu digital employer certificate service, and Kivra e-invoicing for membership fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Unionens a-kassa Membership (Unemployment Insurance) Recurring-membership unemployment insurance covering approximately 761,799 white-collar workers in Sweden, providing income replacement benefits of up to 80% of previous earnings during unemployment under the reformed 2025 insurance rules. Members pay monthly tax-deductible fees and can apply for benefits via the digital Mina sidor portal.
• Mina sidor (Member Benefit E-Service Portal) Secure self-service portal where members submit monthly applications (månadsansökan) or weekly time reports (tidrapport), track benefit payments, manage documents, and communicate with case handlers. Accessible 24/7 via web browser with BankID or Freja eID+ authentication.
• Mitt medlemskap (Membership Management E-Service) Self-service portal for managing membership: joining the fund, leaving, updating personal details, viewing membership status, and handling membership fee payments via e-invoice (Kivra or internet bank), direct debit (autogiro), or invoice with OCR reference.
• arbetsgivarintyg.nu (Employer Certificate Service) Free digital service for employers to issue employment termination certificates that flow directly into Unionens a-kassa's case management system. Operated by Sveriges a-kassor in cooperation with member funds, it streamlines the benefits application process for terminated employees.

Quantifiable outcome

• 761,799 members served
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered supporting and core.

• KivrasupportingTechnology or Integration · 1 April 2026Kivra is a digital mailbox and invoicing platform. Unionens a-kassa sends e-invoices for membership fees via Kivra for members who are registered with the service. This provides faster, more efficient communication and reduces the risk of missed payments.
• CGIsupportingTechnology or Integration · 1 March 2026CGI is an IT supplier providing infrastructure services. CGI confirmed that Unionens a-kassa's services were not affected by the IT leak reported in March 2026. The fund uses CGI for certain IT services but the exposure was contained.
• SwedbankcoreTechnology or IntegrationAll unemployment benefits are disbursed via Swedbank. The fund transfers members' personal identification numbers and benefit amounts to Swedbank for payment processing. This is a core operational partnership essential for fund disbursements.
• Trygghetsrådet, Omställningsfonden, TrygghetsstiftelsensupportingGTM or Marketing PartnerThe fund shares information about members' benefit rights with these labor market transition organizations to enable supplementary insurance products. Data sharing requires member consent. These organizations provide supplementary unemployment insurance products that top up the base a-kassa benefit.
• arbetsgivarintyg.nu / Sveriges a-kassorcoreTechnology or Integrationarbetsgivarintyg.nu is a free digital service for employers to issue employment termination certificates, developed by the Swedish unemployment insurance fund organization Sveriges a-kassor. It connects directly into Unionens a-kassa's case management system, streamlining the benefits application process.
• Skatteverket (Swedish Tax Agency)coreTechnology or IntegrationThe fund receives income data directly from Skatteverket's tax database to calculate and verify members' unemployment benefits under the new income-based system. The fund also submits monthly control data on disbursed benefits and tax deductions to Skatteverket.
• Försäkringskassan (Swedish Social Insurance Agency)coreTechnology or IntegrationBidirectional data exchange: the fund receives information about members' parental benefit, sickness benefit, and activity support payments; the fund sends information about members' unemployment benefit decisions and payment status to coordinate overlapping benefits.
• Arbetsförmedlingen (Swedish Public Employment Service)coreTechnology or IntegrationBidirectional data exchange: the fund receives information about members' job seeker registration, program participation, and compliance; the fund sends information about members' benefit rights, used benefit days, and sanctions to support employment service activities.
• Pensionsmyndigheten (Swedish Pensions Agency)supportingTechnology or IntegrationThe fund receives pension and benefit payment data to coordinate with unemployment benefits and sends monthly data on disbursed unemployment benefits to the agency.
• Inspektionen för arbetslöshetsförsäkring (IAF)coreOthersIAF is the regulatory authority overseeing Swedish unemployment insurance funds. The fund submits required statistical and operational data to IAF for supervision and compliance monitoring purposes.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Handelsanställdas a-kassa (HAKA): A-kassa for retail and warehouse workers (Handelsanställda) and a consistently top-three Swedish a-kassa by member count. Directly comparable as a same-product (income-based unemployment insurance) operator with similarly scaled membership and equivalent IAF-regulatory setup, though serving a different trade segment.
• Ledarnas a-kassa: The a-kassa associated with Ledarna, the Swedish organisation for managers and executives. Directly comparable on product offering (income-based unemployment insurance) and white-collar membership profile (managers sit adjacent to Unionens a-kassa's knowledge-worker base and frequently compare).
• Kommunals a-kassa: Sweden's largest a-kassa by membership, attached to the Kommunal municipal-workers union. Same regulated a-kassa product and IAF oversight as Unionens a-kassa, comparable operating model (digital self-service, fee-funded), but serves a different professional category (municipal employees).
• Akademikernas a-kassa (AEA): Sweden's largest a-kassa for academic and knowledge-economy professionals, serving an overlapping white-collar member base (researchers, university graduates, IT/engineering). Directly comparable on product (income-based unemployment insurance) and target member (svensk tjänsteman), making it Unionens a-kassa's principal head-to-head competitor.

Others

• Unionen: The affiliated trade union and the primary acquisition channel / member pipeline for Unionens a-kassa. Not itself an insurance fund but the closest counterpart in the same Swedish labour-market benefits ecosystem, sharing the same white-collar membership and increasingly aligned digital identity infrastructure.
• Trygghetsrådet (TRR): Stiftelsen Trygghetsrådet is the collectively agreed transition/severance body for white-collar private-sector workers, already sharing member benefit data with Unionens a-kassa. Comparable as a partner offering top-up unemployment protection alongside the base a-kassa benefit - a key 'next-product' opportunity for the fund.
• Sveriges a-kassor: The industry association that represents all Swedish a-kassor (including Unionens a-kassa) and operates the shared arbetsgivarintyg.nu employer-certificate service. Not a competitor but the closest comparable operating standards body and the joint infrastructure provider for this peer group.

Broad incumbents

• AFA Försäkring: Sweden's largest non-life insurer focused on the labour market, providing collectively agreed occupational, life and sickness insurances negotiated by the unions. Comparable as a broader employment-related insurance incumbent that complements (rather than competes with) a-kassor in employer-funded benefit cover.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/unionensakassa

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Unionens arbetslöshetskassa