Byt sektion
Kundservice

I den här sektionen hittar du e-tjänster, blanketter, villkor, broschyrer och instruktioner på ett samlat ställe.

Log in - Mina sidor (My pages)


Privat
 (Employees)

Företag (Employers)

Du är på In English
Nedan kan du välja att gå till en annan del av fora.se
Close

Trygghet genom jobbet

Kollektivavtalad tjänstepension och försäkringar

Företag

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

Den bästa förmånen

Den 27 september firar vi Tjänstepensionens dag. Alla som arbetar och betalar skatt tjänar in till sin allmänna pension. Tjänstepensionen kommer däremot via arbetsgivaren och är en stor del av den framtida pensionen. Därför är tjänstepension den absolut bästa förmånen arbetsgivare kan erbjuda sina anställda.

Kundservice

I Foras kundservicesektion hittar du bland annat blanketter, instruktioner, vanliga frågor och kontaktvägar.

Sänkt ålder för Avtalspension SAF-LO 2021

Svenskt Näringsliv och LO har träffat en överenskommelse om att successivt sänka åldern för intjänande till Avtalspension SAF-LO från dagens 25 år, med start 2021.

Information med anledning av Coronaviruset

Vi får många frågor med anledning av Coronaviruset och har samlat den viktigaste informationen. Hittar du inte svar på dina frågor där, kan du vända dig till Foras kundservice.

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

Toggle

Companies with collective agreements

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.

When you count as a company owner

Toggle

Limited company

Toggle

It is the percentage of company stock you own that determines whether you are regarded as a business owner. If other family members own company stock, you should include their shares when calculating your ownership stake.

Rules for calculating your ownership stake:

Your shares (at least one) 
+ shares owned by your husband/wife/registered partner
+ shares owned by your children 
+ shares owned by your parents 
= your ownership stake

If your ownership stake is at least 33.33 per cent, you are considered to be a business owner.

You should not include your cohabitant’s or your sibling’s shares when you calculate your ownership stake.

Family members can also be business owners

If you count as a business owner, your family members may also count as business owners. 

Children and parents

If you are a business owner and have children or parents who own at least one share and are active in the company, they also count as business owners.

Husband/wife/registered partner

If you are a business owner and have a husband/wife/registered partner who is active in the company, they will also count as a business owner, even if they own no shares.

Cohabitant

If you are a business owner and have a cohabitant who owns more than 33.33 per cent of the company stock and is active in the company, they will also count as a business owner.

Rules for calculating your cohabitant’s ownership stake:

Cohabitant’s shares 
+ shares owned by your cohabitant’s children 
+ shares owned by your cohabitant’s parents
= cohabitant’s ownership stake

Your cohabitant should not add their shares to your shares to calculate their ownership stake.

General partnership

Toggle
  • You are a joint-owner.
  • You are the husband/wife/registered partner of a joint-owner and active in the company.

Limited partnership company

Toggle
  • You are a general partner.
  • You are the husband/wife/registered partner of a general partner and active in the company.

Other forms of company

Toggle
  • You are an owner.
  • You are the husband/wife/registered partner of an owner and active in the company.

Who counts as a business owner in payroll reporting?

Vilka räknas som företagare och hur gör jag med dem vid lönerapporteringen?
Languages

Supplementary pension premiums

Toggle

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

Toggle

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.