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Kollektivavtalad tjänstepension och försäkringar

Företag

Information, blanketter och tjänster skiljer sig åt för olika typer av företag.
Välj vilken typ av företag du företräder

Aktuellt på Fora

Aktuellt

Äntligen tjänstepensionens dag!

27 september 2022

I dag firar vi för tolfte året i rad Tjänstepensionens dag. I år vill vi belysa hur mycket enklare och roligare livet blir när man han koll på sin tjänstepension, men också visa glädjen som uppstår när man inser att man faktiskt har det.

Aktuellt

Kontorssafari ökar gemenskap och verksamhetsförståelse

16 september 2022

Hur ökar man gemenskap och förståelse för varandra i företag där alla jobbar i olika team? ”Kontorssafari” kan vara ett sätt. På Fora genomförs kontorssafari sex gånger per år, då medarbetare under en dag kan besöka olika avdelningar på Fora och få inblick i hur andra kollegor arbetar.

Aktuellt

Checklista till dig som fått Foras pensionsbesked

1 juli 2022

Under våren har Foras årliga pensionsbesked skickats till alla som via sin anställning tjänat in pengar till sin tjänstepension Avtalspension SAF-LO. Om du är en av dem som fått pensionsbeskedet, tipsar vi här om Foras checklista som hjälper dig att enkelt förstå ditt pensionsbesked

Aktuellt

Elisabeth Wisén blir ordinarie vd för Fora

21 juni 2022

Efter sex månader som Foras tillförordnande vd tillträder nu Elisabeth Wisén som ordinarie vd. Under sina sex månader på Fora har Elisabeth redan gjort avtryck och kunnat bidra med viktiga pusselbitar i Foras utveckling.

Aktuellt

Stopp för handel med Rysslandsfonder

Alla valbara fondbolag inom Avtalspension SAF-LO som har Rysslands- eller Östeuropafonder, har tvingats stänga dessa fonder för handel. Fonderna kan inte kan köpas, säljas eller bytas i dagsläget. Nya pensionspremier kan inte heller placeras i fonderna, och kapitalflytt till eller från fonderna kan inte genomföras.

Kundservice

I Foras kundservicesektioner hittar du bland annat:

  • Blanketter och instruktioner
  • Situationsguider och frågor & svar
  • Kontaktvägar till Fora

Om Fora

Fora är ett servicebolag som erbjuder administrativa lösningar för kollektivavtalade försäkringar och avgifter för parter på arbetsmarknaden. Vi finns för att erbjuda enkla och kostnadseffektiva lösningar som förenklar vardagen för uppdragsgivare, företag och anställda.

About Avtalspension SAF-LO, collective pension insurance

Every year, your employer pays a premium into your occupational pension. It is called Avtalspension SAF-LO, Collective pension insurance and is a pension that you receive in addition to your basic state pension.

You decide which pension manager will handle your pension savings until you retire. Your employer pays the premium to Fora, who transfers it to the pension manager that you have chosen.

You start to earn money towards your Avtalspension SAF-LO, Collective pension insurance once you reach the age of 23 and continue to do so until you reach the age of 65.

There are two choices you can make in the Avtalspension SAF-LO, Collective pension insurance:

How your premium should be placed.

If you need any survivor's cover (repayment cover and family cover).

How should your premium be placed?

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You decide how to place your Avtalspension SAF-LO, Collective pension insurance money. First, choose the type of plan you want, a traditional pension plan or a unit-linked pension plan.

A traditional plan means lower risk. A pensions manager makes all decisions regarding how to invest your money. It gives you a minimum guarantee for your future occupational pension, and is a good option if you don't want to be hands-on when it comes to investments.

Unit-linked pension plans come with a higher risk and without any guarantees, but offers a higher potential yield. Money invested in unit-linked plans can decrease or increase in value.

You choose between the funds available with your pensions manager, which makes it a good option if you're interested in investments.

When you've decided what type of plan you want, it's time to choose a pensions manager to entrust with your capital. There are a number of options for traditional plans as well as for unit-linked plans.

If you want to make a different choice, you can do so at any time. That choice then applies only to future payments. Payments already made stay with your previous manager. But for a fee, you can transfer that money to a different manager.

If you don’t make a choice

If you don’t make a choice your premium will be invested in a traditional insurance at AMF.

How can I invest my occupational pension?
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Do you need survivor’s benefit?

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Survivor’s benefit is the collective name for the various kinds of financial compensation that is paid to your survivors when you die. In SAF-LO Collective Pension Insurance, there are two survivor’s benefits you can apply for: repayment cover and family cover.

The primary beneficiaries of repayment cover and family cover are your spouse or registered/live-in partner. Children with a right of inheritance are secondary beneficiaries.

The need for survivor’s benefit varies from person to person. You may, for example, need survivor's benefit if you have children living at home and your family would be unable to make ends meet if you die.

Repayment cover

Repayment cover means that the full amount of your occupational pension will be paid to your family when you die. You do not pay a separate fee for this cover but you will forego the supplement to your pension in the form of inheritance gains and the return you would have earned on that capital. Repayment cover therefore means that your own occupational pension will be lower.

Family cover

Family cover is a life insurance that provides your family with compensation if you die before the age of 65. The cost of family cover is deducted from the premium that is paid to your occupational pension and means you pension will be lower.

 

What is survivor protection?
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How to make your choice

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How you select your pension manager and survivors’ cover depends on whether or not you have a Swedish personal identity number.

If you have a Swedish personal identity number

If you have a coordination number

If you have neither a Swedish personal identity number nor a coordination number

How to transfer pension capital

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Your collective agreement occupational pension SAF-LO capital can be transferred from one pension provider to another. It's important to compare the pension insurance you're transferring out of with the one you're considering transferring to.

Insurances can differ as far as fees, guarantees, risk and expected rate of return. A transfer may incur a fee, which is taken from the capital transferred. If several insurances from one or more pension providers are being transferred, there could be a fee for each insurance.

Find out what the total cost will be and if transferring is worth it. The simplest way is to contact your pension provider or providers. 

You cannot split the funds among several pension providers in one single transfer. When you transfer capital to a pension provider you haven't dealt with before, your future collective agreement occupational pension SAF-LO payments will be made with that provider. This is the case even if you change your mind and cancel the transfer.

If you have repayment cover and/or family cover,  you retain this also when transferring pension capital to a new pension provider. You can transfer capital at My Pages at fora.se. It can take a few months to transfer capital,  but once the transfer is complete, you'll get a confirmation from us.

How do I transfer my pension capital?
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How to withdraw pension capital

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Payments from the collective agreement occupational pension SAF-LO start when you turn 65, and are made each month for the rest of your life. Payments are made straight from your pension provider, not from Fora.

Your pension provider will contact you a few months before you turn 65 to, among other things, find out if you wish to change the payment time. Once you've started drawing a pension, you cannot change the payment time or halt the payments. If you wish to withdraw your pension before or after turning 65, your pension provider can assist you.

Find out how your planned pension age will affect the size of your pension. You can do that at minpension.se, or by contacting your pension provider. The sooner you start drawing a pension, the smaller the monthly payments will be, since the money you've earned will be distributed over a longer period of time. If you've made arrangements to reduce your working hours, you can compensate for the loss in income, totally or partially, by withdrawing part of the collective agreement occupational pension SAF-LO.

How do I withdraw my occupational pension?
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What is the SAF-LO Collective Pension Insurance?

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In addition to the national supplementary pension, most people are covered by a pension plan through work. That is called occupational pension, and your employer pays for it.

If your employer is bound by a collective agreement, you definitely have occupational pension. Even without a collective agreement, there may be an occupational pension agreement. Ask your employer what sort of agreements are in place. There are many different occupational pensions. Private sector manual workers at companies bound by collective agreements have the SAF-LO Collective Pension Insurance.

You earn money for it from the age of 24 and throughout your career until you're 65. The amount paid in for you depends on how much you've earned during the year.

The higher your wage, the more money is paid into your pension. Payments made to your pension are called premiums. You choose a pensions manager to entrust with your premiums, and what type of plan to invest them in.

What is the SAF-LO Collective Pension Insurance?
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