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Privat
 (Employees)

Företag (Employers)

Monthly reporting

Fora has switched to monthly management of collectively agreed insurances. From February 2024 and onwards the payrolls of manual workers are to be reported monthly. 

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. 

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    

How to differentiate categories of personnel

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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.

When you count as a company owner

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Limited company

General partnership

Limited partnership company

Other forms of company

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.