Kundservice
I den här sektionen hittar du e-tjänster, blanketter, villkor, broschyrer och instruktioner på ett samlat ställe.
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I den här sektionen hittar du e-tjänster, blanketter, villkor, broschyrer och instruktioner på ett samlat ställe.
Kollektivavtalad tjänstepension och försäkringar
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.
I Foras kundservicesektion hittar du bland annat blanketter, instruktioner, vanliga frågor och kontaktvägar.
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.
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.
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.
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 | |
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| TGL, Group life insurance | |
Optional | |
| FPT, Supplementary parental benefit insurance | |
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Premiebefrielseförsäkring, Waiver of premium insurance
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|
Optional | |
| AGB, Severance payment insurance | |
At companies without collective agreements, the work that employees perform determines if they count as manual workers or non-manual workers.
Find the profession’s SEI code in the list of occupational titles (yrkesförteckning).
If you don't know the title, you can search for it in the Swedish Standard Classification of Occupations (Svensk Yrkesklassificering).
Finally, check the Socioeconomic Classification Socioekonomisk indelning) to see if the SEI code means that the employee is classified as a manual worker or non-manual worker.
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.
If you count as a business owner, your family members may also count as business owners.
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.
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.
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.
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.
