Cost, invoice and payment

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

Avtalsgruppsjukförsäkring, AGS (Group Sickness Insurance)
No cost will be charged for 2020.

Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
The cost is calculated on the entire salary and is 0.01 per cent of it.

Tjänstegrupplivförsäkring, TGL (Group Life Insurance)
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.15 per cent is paid on that part.

Föräldrapenningtillägg, FPT (Supplemental Parental Benefit Insurance)
No cost will be charged for 2020.

Premiebefrielseförsäkring (Waiver of Premium Insurance)
No cost will be charged for 2020.

Försäkring om avgångsbidrag, AGB (Redundancy Payment Insurance)
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.1455 per cent is paid on that part.

Avtalspension SAF-LO (SAF-LO Collective Pension Insurance)

The cost of SAF-LO Collective Pension Insurance will depend on the employee’s salary.

• 4.3 per cent is paid for the parts of the salary 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 salary above 7.5 income base amounts.

SAF-LO Collective Pension Insurance covers the company’s wage-earners aged between 25 and 65 years – this means that this cost is based solely on their salaries.

Wage-earners who have reached the age of 65 years and have an agreement about continued earning towards SAF-LO Collective Pension Insurance should also be included. 

Trygghetsförsäkring vid arbetsskada, 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 salaries 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 business owners is included).

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

Avtalsgruppsjukförsäkring, AGS (Group Sickness Insurance)
No cost will be charged for 2019.

Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
The cost is calculated on the entire salary and is 0.01 per cent of it.

Tjänstegrupplivförsäkring, TGL (Group Life Insurance)
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.15 per cent is paid on that part.

Föräldrapenningtillägg, FPT (Supplemental Parental Benefit Insurance)
No cost will be charged for 2019.

Premiebefrielseförsäkring (Waiver of Premium Insurance)
No cost will be charged for 2019.

Försäkring om avgångsbidrag, AGB (Redundancy Payment Insurance)
No cost will be charged for 2019. 

Avtalspension SAF-LO (SAF-LO Collective Pension Insurance)

The cost of SAF-LO Collective Pension Insurance will depend on the employee’s salary.

• 4.3 per cent is paid for the parts of the salary 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 salary above 7.5 income base amounts.

SAF-LO Collective Pension Insurance covers the company’s wage-earners aged between 25 and 65 years – this means that this cost is based solely on their salaries.

Wage-earners who have reached the age of 65 years and have an agreement about continued earning towards SAF-LO Collective Pension Insurance should also be included. 

Trygghetsförsäkring vid arbetsskada, 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 salaries 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 business owners is included).

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

Avtalsgruppsjukförsäkring, AGS (Group Sickness Insurance)
No cost will be charged for 2018.

Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
The cost is calculated on the entire salary and is 0.01 per cent of it.

Tjänstegrupplivförsäkring, TGL (Group Life Insurance)
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.1 per cent is paid on that part.

Föräldrapenningtillägg, FPT (Supplemental Parental Benefit Insurance)
No cost will be charged for 2018.

Premiebefrielseförsäkring (Waiver of Premium Insurance)
No cost will be charged for 2018.

Försäkring om avgångsbidrag, AGB (Redundancy Payment Insurance) 
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.1455 per cent is paid on that part.

Avtalspension SAF-LO (SAF-LO Collective Pension Insurance)

The cost of SAF-LO Collective Pension Insurance will depend on the employee’s salary.

• 4.3 per cent is paid for the parts of the salary 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 salary above 7.5 income base amounts..

SAF-LO Collective Pension Insurance covers the company’s wage-earners aged between 25 and 65 years – this means that this cost is based solely on their salaries.

Wage-earners who have reached the age of 65 years and have an agreement about continued earning towards SAF-LO Collective Pension Insurance should also be included. 

Trygghetsförsäkring vid arbetsskada, 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 salaries 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 business owners is included).

During the current year the invoice is based on preliminary salaries. After final salaries are reported in January an annual settlement is made based on the final salaries.

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 salaries that the company pays out. The percentage varies between different insurances and from year to year.

The final salaries that are reported in January are adjusted upwards by a certain percentage. This is how Fora calculates preliminary salaries for the current year. These preliminary salaries are 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.

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).