Sick-leave benefit calculator 2026
Calculate sick-leave benefit for ORDINARY illness: days 1–3 unpaid, the employer pays days 4–8 (70% of the average calendar-day wage), the Health Insurance Fund from day 9 (70% of last year's daily income, subject to the daily cap). Up to 182 consecutive days per case are compensated (240 for tuberculosis). The daily cap applies only to cases that STARTED on or after 1.01.2026 — a certificate opened earlier and still running is uncapped (select an earlier period for those). The cap also never applies to donation or pregnancy lighter-work certificates. Work accidents, occupational disease and pregnancy-related cases are treated differently (no employer days, rates up to 100%, compensation from day 2) — this calculator does not cover them.
Basis for the employer's days: the preceding 6 months' wages divided by the CALENDAR days of that period (Regulation no. 91 §4) — not working days. Entering a working-day rate overstates the result by about 40%.
Basis for the Health Insurance Fund's days: last calendar year's social-taxed income divided by 365 (RaKS §55(2)).
Result
This calculator is informational and does not replace professional advice. Verify exact rates from an official source.
How it's calculated
Rates in force since 01/01/2026 · Source: Estonian Health Insurance Fund