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Självservice

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

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Kollektivavtalad tjänstepension och försäkringar

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Så fungerar din tjänstepension Avtalspension SAF-LO och de försäkringar du har genom din arbetsgivare.
Så fungerar din tjänstepension Avtalspension SAF-LO och de försäkringar du har genom din arbetsgivare.
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Företag
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Information, blanketter och tjänster skiljer sig åt för olika typer av företag. Välj vilken typ av företag du företräder.
Information, blanketter och tjänster skiljer sig åt för olika typer av företag. Välj vilken typ av företag du företräder.
Företag med kollektivavtal

Privatägda företag som har kollektivavtal genom medlemskap i ett arbetsgivarförbund, eller har tecknat kollektivavtal direkt med ett fackförbund (hängavtal).

Företag utan kollektivavtal

Privatägda företag som saknar kollektivavtal men har, eller vill teckna, försäkringsavtal hos Fora.

Företag utan anställda

För företag utan anställda, med eller utan kollektivavtal.

Kommun- och regionsektorerna

Kommuner, regioner, företag anslutna till Sobona och Fastigo samt Svenska kyrkan.

Företag som vill anställa med stöd från myndighet

Information för företag när försäkringsavtal hos Fora är ett krav från Arbetsförmedlingen eller Migrationsverket.

Foreign companies with temporary operations in Sweden

Companies, with or without a collective agreement, that intend to run temporary operations in Sweden.

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.

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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.

Information för företag Information för privatpersoner

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.

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Start In English For employers Companies without collective agreement Cost, invoice and payment

Cost, invoice and payment

The invoice from Fora is a summary invoice for the insurances and the occupational pension included in the insurance agreement.

Lowered income age for SAF-LO Collective Pension Insurance as of 2021

Svenskt Näringsliv – The Confederation of Swedish Enterprise – and LO – The Swedish Trade Union Confederation – have reached an agreement to gradually lower the income age for SAF-LO Collective Pension Insurance from the current 25 years to 22 years.

This means that from 1 January 2021, manual workers who are 24 years old should be included in the pay amount that forms the basis for calculating the premium that the employer pays to SAF-LO Collective Pension Insurance.

Read more

Costs and price list

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Which insurances your company pays for will depend on whether you employ both manual workers and non-manual workers .

  • The cost of the insurances included in the insurance agreement is a fixed per cent of your employees’ pay.
  • Different insurances have different percentages and they vary from year to year.

Prices 2021

Insurances for manual workers

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The cost is based solely on the pay of employees who have not reached the age of 65 years.

AGS, Group sickness insurance
No cost will be charged for 2021.

TFA, Work injury insurance
The cost is calculated on the entire pay and is 0.01 per cent of it.

TGL, Group life insurance
The cost is calculated on the parts of the pay below 7.5 price base amounts. 0.15 per cent is paid on that part.

FPT, Supplementary parental benefit insurance
No cost will be charged for 2021.

Premiebefrielseförsäkring, Waiver of premium insurance
No cost will be charged for 2021.

AGB, Severance payment insurance
The cost is calculated on the parts of the pay below 7.5 price base amounts. 0.15 per cent is paid on that part.

Occupational pension for manual workers

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Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts.

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 24 and 65 years – this means that this cost is based solely on their pay.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension SAF-LO, Collective pension insurance  should also be included. 

Insurance for non-manual workers

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TFA, Work injury insurance 
The cost is calculated on the entire pay and is 0.05 per cent of it.

The cost is based solely on the pay of employees who have not reached the age of 65 years.

Minimum premium for the insurance agreement

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The minimum premium for the insurance agreement is SEK 200 – this is the lowest cost that Fora invoices for the agreement. This is paid even by companies with no employees (as TFA, Work injury insurance for company owners is included).

Prices 2020

Insurances for manual workers

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The cost is based solely on the pay of employees who have not reached the age of 65 years.

AGS, Group sickness insurance
No cost will be charged for 2020.

TFA, Work injury insurance
The cost is calculated on the entire pay and is 0.01 per cent of it.

TGL, Group life insurance
The cost is calculated on the parts of the pay below 7.5 price base amounts. 0.15 per cent is paid on that part.

FPT, Supplementary parental benefit insurance
No cost will be charged for 2020.

Premiebefrielseförsäkring, Waiver of premium insurance
No cost will be charged for 2020.

AGB, Severance payment insurance
The cost is calculated on the parts of the pay below 7.5 price base amounts. 0.1455 per cent is paid on that part.

Occupational pension for manual workers

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Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts  (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts.

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 25 and 65 years – this means that this cost is based solely on their pay.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension SAF-LO, Collective pension insurance  should also be included. 

Insurance for non-manual workers

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TFA, Work injury insurance 
The cost is calculated on the entire pay and is 0.03 per cent of it.

The cost is based solely on the pay of employees who have not reached the age of 65 years.

Minimum premium for the insurance agreement

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The minimum premium for the insurance agreement is SEK 200 – this is the lowest cost that Fora invoices for the agreement. This is paid even by companies with no employees (as TFA, Work injury insurance for company owners is included).

Prices 2019

Insurances for manual workers

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The cost is based solely on the pay of employees who have not reached the age of 65 years.

AGS, Group sickness insurance
No cost will be charged for 2019.

TFA, Work Injury Insurance
The cost is calculated on the entire pay and is 0.01 per cent of it.

TGL, Group life insurance
The cost is calculated on the parts of the pay below 7.5 price base amounts. 0.15 per cent is paid on that part.

FPT, Supplementary parental benefit insurance
No cost will be charged for 2019.

Premiebefrielseförsäkring, Waiver of premium insurance
No cost will be charged for 2019.

AGB, Severance payment insurance
No cost will be charged for 2019. 

Occupational pension for manual workers

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Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts.

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 25 and 65 years – this means that this cost is based solely on their salaries.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension SAF-LO, Collective pension insurance should also be included. 

Insurance for non-manual workers

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TFA, Work injury insurance 
The cost is calculated on the entire salary and is 0.03 per cent of it.

The cost is based solely on the pay of employees who have not reached the age of 65 years.

 

Minimum premium for the insurance agreement

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The minimum premium for the insurance agreement is SEK 200 – this is the lowest cost that Fora invoices for the agreement. This is paid even by companies with no employees (as TFA, Work injury insurance for company owners is included).

Prices 2018

Insurances for manual workers

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The cost is based solely on the pay of employees who have not reached the age of 65 years.

AGS, Group sickness insurance
No cost will be charged for 2018.

TFA, Work insurance
The cost is calculated on the entire pay and is 0.01 per cent of it.

TGL, Group life insurance
The cost is calculated on the parts of the pay below 7.5 price base amounts. 0.1 per cent is paid on that part.

FPT, Supplementary parental benefit insurance
No cost will be charged for 2018.

Premiebefrielseförsäkring, Waiver of premium insurance
No cost will be charged for 2018.

AGB, Severance payment insurance 
The cost is calculated on the parts of the pay below 7.5 price base amounts. 0.1455 per cent is paid on that part.

 

Occupational pension for manual workers

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Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts..

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 25 and 65 years – this means that this cost is based solely on their pay.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension SAF-LO, Collective pension insurance should also be included. 

Insurance for non-manual workers

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TFA, Work injury insurance 
The cost is calculated on the entire pay and is 0.03 per cent of it.

The cost is based solely on the pay of employees who have not reached the age of 65 years.

Minimum premium for the insurance agreement

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The minimum premium for the insurance agreement is SEK 200 – this is the lowest cost that Fora invoices for the agreement. This is paid even by companies with no employees (as TFA, Work injury insurance for company owners is included).

Invoice

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Always pay the invoice

You should always pay an invoice from Fora, even if you consider it to be incorrect. Any adjustments will be made on a future invoice.

An unpaid invoice from Fora is always referred for debt recovery.

The cost of the insurances is paid continuously throughout the year. Fora sends the company an invoice every other month, starting in February.

Additional invoices may be sent during the year, for example if the preliminary payroll information is updated. In this case, Fora will send an additional invoice the next month with an adjusted amount.

The invoice from Fora is a summary invoice for the insurances and the occupational pension included in the insurance agreement, as well as any collectively agreed fees. 

An invoice specification is included with the invoice. This shows the insurances covered by the invoice, and the debiting basis for the various premiums and fees.

The invoice from Fora is not available in any other language besides Swedish.

Understand the invoice from Fora

Based on (Baserat på)

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During the current year the invoice is based on preliminary pay statement. After payroll reporting in January an annual settlement is made based on the final pay statement.

Collective insurances (Avtalsförsäkringar)

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Shows which insurances are included in the insurance agreement. You can log in to Mina sidor (My pages) to check which insurances are included in your insurance agreement.

Log in - Employer

Basic price/year (Grundpris/år)

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The price for the insurances and the collectively agreed fees. The price is a percentage of the pay that the company pays. The percentage varies between different insurances and from year to year.

Basis of debit/year/SEK (Debiteringsunderlag/år/kr)

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The final pay statement that is reported in January is adjusted upwards by a certain percentage. This is how Fora calculates preliminary pay statement for the current year. The preliminary pay statement is used as a debiting basis.

Different insurances have different debiting bases.

  • The debiting basis for Avtalsgruppsjukförsäkring, AGS (Group Sickness Insurance), Försäkring om avgångsbidrag, AGB (Severance Pay Insurance), Tjänstegrupplivförsäkring, TGL (Group Life Insurance) and Omställningsstöd (Career Readjustment Support) is salary components up to 7.5 price base amounts. 
  • The debiting basis for Föräldrapenningtillägg, FPT (Supplementary Parental Benefit Insurance) and Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance) is the whole salary. 
  • The debiting basis for Avtalspension SAF-LO (SAF-LO Collective Pension Insurance) is the different percentages for salary components above and below 7.5 income base amounts.

The invoice shows the debiting basis for the entire year.

Annual amount, SEK (Årsbelopp, kr)

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The total annual cost for an insurance or collectively agreed fee. The cost is the basic price multiplied by the debiting basis.

Amount for period, SEK (Belopp för perioden, kr)

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The annual amount is divided into six invoices during the year. “Amount for period” is the amount to be paid for this specific two-month period (the annual amount divided by six).

Questions about debt collection claim

Svea Ekonomi handles all Fora’s debt collection cases.

If you have any questions about debt collection claims, please contact Svea Ekonomi directly on +46 8 470 35 50. 

Svea ekonomi

Where can I see our invoices from Fora?

Var kan jag se våra fakturor?
Languages

Payment

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The date that Fora should receive the payment is shown on the invoice.

The invoice should be paid to Fora’s Bankgiro 991-3500.

Always specify the payment reference (OCR number) when making a payment.

Payment from abroad

When making payments to Fora from outside Sweden, you will be required to provide a BIC/SWIFT address identifying the bank and country to which the funds are to be transferred. Fora's bank is Swedbank AB.

When paying your invoice from abroad you must use the following account:

IBAN: SE8280000890119937419498
BIC (Swiftadress): SWEDSESS
Payee: Company name, Payment reference

In order for Fora to credit your payment, you must cite your personal identification number or organization registration number.

Questions about debt collection claim

Svea Ekonomi handles all Fora’s debt collection cases.

If you have any questions about debt collection claims, please contact Svea Ekonomi directly on +46 8 470 35 50. 

Svea ekonomi

Payment of a credit invoice

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If the company gets a credit invoice from Fora, the credit will be paid out automatically within 45 days, after deductions for any due invoices.

Payment to bankgiro

Fora only pays out credit amounts to bankgiro numbers that are registered with Bankgirocentralen (BGC). If your company has registered several bankgiro numbers with BGC and wants the money to be paid out to another of these numbers, the main administrator or an administrator can change the bankgiro number for payment on Mina sidor (My pages).

Payment via payout slip

If there is no bankgiro number registered with BGC, the credit amount will be paid out on a payout slip which is sent to the company’s official delivery address.

This also applies if you are a sole trader. Fora does not have access to your bankgiro number, due to personal data legislation.

 

KONTAKTA OSS (vardagar 8-17)

Kundservice
08-787 40 10 08-787 40 10
Växel
08-787 40 00 08-787 40 00

OM FORA

OM WEBBPLATSEN

Fora är den oberoende valcentralen för Avtalspension SAF-LO som guidar företag och anställda rätt i sin kollektivavtalade pensions- och försäkringslösning.
Postadress
Fora AB, 101 56 Stockholm
Organisationsnummer
556541-8356
© 2021 Fora AB