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 salary 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.
Non-manual workers and company owners have insurance cover for accidents that occur at work.
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
|AGB, Severance payment insurance|
It is usually the collective agreement that determines whether an employee counts as a manual workers or a non-manual workers.
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.