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Trygghet genom jobbet

Kollektivavtalad tjänstepension och försäkringar
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.

Företag utan kollektivavtal

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

Kommun- och landstingssektorn

Kommuner, landsting, 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.

Privat
Så fungerar din tjänstepension Avtalspension SAF-LO och de försäkringar du har genom din arbetsgivare.

Om Fora

Fora är den oberoende valcentralen för Avtalspension SAF-LO som guidar företag och anställda rätt i sin kollektivavtalade pensions- och försäkringslösning.

För arbetsmarknadens parter

Här finns avtalsregistret ESA, information om hur hängavtal tecknas och filmer som svarar på de vanligaste frågorna.

För pensionsbolag

Information och villkor för anslutning till Avtalspension SAF-LO, valbara pensionsförvaltare, statistik och kontaktinformation.

För leverantörer av lönesystem

Information, uppmärkningskoder och instruktioner gällande de uppgifter som ska rapporteras till Fora.

För journalister & press

I pressrummet finns pressmeddelanden, bilder, filmer och presskontakter.

Självservice

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

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.

Cost, invoice and payment

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. 

Costs and price list

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Which insurances your company pays for will depend on whether you employ both wage-earners and salaried employees.

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

Prices 2018

Insurances for wage-earners

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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.

 

Collective Pension for wage-earners

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

The cost for 2018 is lowered to 4.3 per cent, but 4.5 per cent is transferred to the pension manager.

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. 

Insurance for salaried employees

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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.

 

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 business 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 salaries. After final salaries are reported in January an annual settlement is made based on the final salaries.

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.

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

Debiting basis/year/SEK (Debiteringsunderlag/år/kr)

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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.

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 recovery demands

Svea Ekonomi handles all Fora’s debt recovery questions.

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

Where can I see our invoices from Fora?

Var kan jag se våra fakturor?
Languages
Where can I see our invoices from Fora? Subtitles available in العربية, English, suomi, polski, русский, español and Türkçe. Start the movie and choose language in the player's settings.

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 recovery demands

Svea Ekonomi handles all Fora’s debt recovery questions.

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

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.