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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
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 invoice from Fora is a summary invoice for the insurances and the occupational pension included in the insurance agreement.
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.
Which insurances your company pays for will depend on whether you employ both manual workers and non-manual workers .
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.
Avtalspension SAF-LO, Collective pension insurance
The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.
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.
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.
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).
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.
Avtalspension SAF-LO, Collective pension insurance
The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.
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.
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.
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).
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.
Avtalspension SAF-LO, Collective pension insurance
The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.
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.
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.
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).
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.
Avtalspension SAF-LO, Collective pension insurance
The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.
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.
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.
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).
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.
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.
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.
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.
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 invoice shows the debiting basis for the entire year.
The total annual cost for an insurance or collectively agreed fee. The cost is the basic price multiplied by the debiting basis.
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).
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.
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.
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.
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.
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.
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).
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.
