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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

Månadsmöten med allt från order till tjänstepension

9 november 2022

På Telos Telemontage obligatoriska månadsmöten för all personal tar man upp såväl projektstatus som aktuella frågor om försäkringar och tjänstepension. Utöver det mejlas tips och nyheter som rör pension till alla medarbetare.

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 the insurance agreement

The insurance agreement that a company signs with Fora is a complete package of collectively agreed insurances. However, the contents of this package will vary for manual workers, non-manual workers and company owners. 

All current and future employees who receive a pay are covered by the insurances, regardless of their type of employment. The insurance agreement is signed for all employees; it is not possible to take out insurances for individual employees.

For manual workers, the insurance agreement provides comprehensive insurance cover, including an occupational pension.

For non-manual workers, the insurance agreement with Fora contains fewer insurances and no occupational pension. 

Owners who are regarded as company owners also have some insurance cover. There are also optional insurances.

Insurance Manual workers Non-manual workers Company owner
Avtalspension SAF-LO, Collective pension insurance   Optional
AGS Group sickness insurance   Optional
TFA, Work injury insurance
TGL, Group life insurance   Optional
FPT, Supplementary parental benefit insurance    
Premiebefrielseförsäkring, Waiver of premium insurance
  Optional
AGB, Severance payment insurance    
TSL Trygghetsfonden, Employment transition fund    
TRR Trygghetsrådet, Employment transition fund / TRS, Employment Transition Fund    
What insurance policies apply to whom? Select subtitle in Youtube settings.

How to distinguish between manual workers and non-manual workers

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It is usually the collective agreement that determines whether an employee counts as a manual workers or a non-manual workers.

  • Manual workers are covered by collective agreements between an employers’ association and a trade union belonging to LO - The Swedish Trade Union Confederation.
  • Non-manual workers are covered by collective agreements between an employers’ association and a trade union belonging to PTK - the council for negotiation and cooperation.
  • It is the work that an employee performs that determines to which collective agreement they belong.

If you are uncertain how an employee should be classified, you can contact the trade union with which you have a collective agreement.

If your company doesn't have a collective agreement, please contact Fora customer service for guidance.

When you count as a company owner

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Limited company

General partnership

Limited partnership company

Other forms of company

Who counts as a business owner in payroll reporting?

Vilka räknas som företagare och hur gör jag med dem vid lönerapporteringen?
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Supplementary pension premiums

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In some collective agreements, employers agree to pay supplementary pension premiums into their manual workers occupational pension, over and above the ordinary Avtalspension SAF-LO, Collective pension premium.

This supplementary pension premium may be called one of the following:

  • Deltidspensionsavsättning - Part-time pension allocation
  • Extra pensionsavsättning - Extra pension allocation
  • Livsarbetstidspension, LP - LP, Lifetime working hours pension
  • Arbetstidspension, AP - AP, Working hours pension 

Your collective agreement specifies the cost of Lifetime working hours pension and Working hours pension.

Although supplementary pension premiums are not part of the insurance agreement, they are still administered and invoiced by Fora.

Supplementary pension provision

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It is possible to make additional payments of premiums for Avtalspension SAF-LO, Collective pension insurance via special agreements. A supplementary pension provision is not linked to any collective agreement, but is agreed separately by employer and employee.