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Protection in case of sickness
Swedish experiences
Uppsala County
”The protection of women entrepreneur in Europe:Practices, perspectives and programmes.”
Conference Lario Fair Como 21st April 2006Harriet Hedin, PhD Biotechnology/Immunology
2006 Harriet Hedin, PhD Biotechnology/Immunology
Harriet Hedin
President of Marma Medical AB
Start-up of Networks for InnovatorsBusiness
DevelopmentResource Centre
for Women Entrepreneur
Leadership Development andCoaching of Women Leaders and Entrepreneurs
CommunicationScientific Marketing
Networking
Basic Research Clinical Trials
PhD Biotechnologyand Immunology
2006 Harriet Hedin, PhD Biotechnology/Immunology
Protection in case of sickness• As an entrepreneur you will not enjoy some of
the basic insurance coverage you would have had as an employee
• Your income as an entrepreneur qualifies you for sickness benefit
• The self-employed have to insure themselves against income loss due to sickness absence, disability and unemployment. Because these insurances are quite expensive, many self-employed are not insured for this
2006 Harriet Hedin, PhD Biotechnology/Immunology
Real life cases
Case 1 Pension 400 Euro/month 65 years old, self-employed 30 years, no
family
Case 2 New regulations forces to seek job though sick 38 years old, 4 children and husband,
different companies 10 years
Case 3 No rehabilitation - burn-out, young, overoptimistic 25 years old, tried to build a family and a
company at the same time
2006 Harriet Hedin, PhD Biotechnology/Immunology
What drives you to live the life you live everyday?
• Many of us strive to achieve balance between our professional and personal lives.
• This balance is partially accomplished by knowing yourself and how to effectively communicate your convictions.
• Another aspect in achieving balance is finding your passion.
2006 Harriet Hedin, PhD Biotechnology/Immunology
ICEBERG TOTAL COMPETENCE
Specialistcompetence
Social competence and skills
Personality and motivators
To be learned
To be trained
To be respected
2006 Harriet Hedin, PhD Biotechnology/Immunology
IN UPPSALA COUNTY Sustainable Growth in Co-
operation
A holistic programme for health, life and career planning
How is an individual development
plan created?
Business development
based on entrepreneur
as an individual
The tool box - pedagogy adjusted the needs of women
Business Business network network
co-operationco-operation
THE TOOL BOX FOR
WOMEN ENTREPRENEURS
2006 Harriet Hedin, PhD Biotechnology/Immunology
Income before tax/month - Entrepreneurs
Women
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
Countryside City (small) City (large) All
300 Euro
800 Euro
up to 1700 Euro
more than 1700 Euro
n= 187
Uppsala County
2006 Harriet Hedin, PhD Biotechnology/Immunology
Do you think entrepreneurship
causes stress?
0%
10%
20%
30%
40%
50%
60%
70%
Country side City (small) City (large) All
Yes
No/Don't Know
n= 187
Uppsala County
2006 Harriet Hedin, PhD Biotechnology/Immunology
Frequent stress factors
0%
5%
10%
15%
20%
25%
30%
35%
40%
Country side City (small) City (large) All
No private life
External factors
Regulations
Weak business
Other
n= 187
Uppsala County
2006 Harriet Hedin, PhD Biotechnology/Immunology
Some people are precise,
accurate, detail-oriented
Observable Human Behaviour
Some people are steady,
patient, relaxed
Some people are forceful,
direct, results-oriented
Some peopleare optimistic, fun, talkative
2006 Harriet Hedin, PhD Biotechnology/Immunology
13%
65%
18%
4%
0%
10%
20%
30%
40%
50%
60%
70%
D I S C
MFS Analysis Natural Style - Entrepreneurs Female (n=236)
D
I
S
C
17%
55%
14% 14%
0%
10%
20%
30%
40%
50%
60%
70%
D I S C
MFS Analysis Adapted Style - Entrepreneurs Female (n=236)
D
I
S
C
45%48%
4% 4%
0%
10%
20%
30%
40%
50%
60%
70%
D I S C
MFS Analysis Natural Style - Entrepreneurs Male (n=28)
D
I
S
C
43%46%
4% 7%
0%
10%
20%
30%
40%
50%
60%
70%
D I S C
MFS Analysis Adapted Style - Entrepreneurs Male (n=28)
D
I
S
C
2006 Harriet Hedin, PhD Biotechnology/Immunology
The winning team for
growth in EU3%
24%
65%
8%
0%
10%
20%
30%
40%
50%
60%
70%
D I S C
MFS Analysis Natural Style - Unemployed (n=214)
D
I
S
C
1%
32%
43%
23%
0%
10%
20%
30%
40%
50%
60%
70%
D I S C
MFS Analysis Adapted Style - Unemployed (n=214)
D
I
S
C
0
10
20
30
40
50
60
70
80
Entrepreneurs Unemployed
Extrovert
Introvert
2006 Harriet Hedin, PhD Biotechnology/Immunology
Harmony Disharmony
D D D DI I I IS S S S CCCC
Entrepreneur - A Entrepreneur - B
Adapted behaviour Natural behaviourNatural behaviourAdapted behaviour
2006 Harriet Hedin, PhD Biotechnology/Immunology
Setting standards
Generating ideas
Decision making
Communicating
Marketing
Negotiating
Seeking others’ opinion
Listening to others
Implemention
Assessing
Co-ordinating
Information gathering
Establishing guidelines
Offering opinions
2006 Harriet Hedin, PhD Biotechnology/Immunology
Conclusion
• Structural level– We need to influence the EU structures to get more
supportive regulation/laws for self-employed women
• Organisational level– We need to negotiate better protection schemes and
funds for continues support of WE networks and RC
• Individual level– We need individually designed coaching programmes
for health competence and for creating balance between work life, family and private life