That does seem like a good system. > And my work contract states that I can take leave for any personal reason if needed for up to two days, but after that a d

That does seem like a good system. > And my work contract states that I can take leave for any personal reason if needed for up to two days, but after that a doctor's note is required. That might be the case in Sweden as well, I don't remember. Since I started contracting I've only been my own employer, and I'm the best boss I've ever had, so it hasn't been a problem.