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Fora is switching to monthly management of collectively agreed insurances. The transition from annual to monthly procedures will take place in stages. Payrolls that are paid out in 2023 will be reported as usual in January 2024. Thereafter, the payrolls of manual workers are to be reported monthly.
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.
Company owners also have some insurance cover. There are also optional insurances for those who count as self-employed.
| 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 | |
It is usually the collective agreement that determines whether an employee counts as a manual workers or a non-manual workers.
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:
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.
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.