Byt sektion
Kundservice

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

Log in - Mina sidor (My pages)


Privat
 (Employees)

Företag (Employers)

Du är på In English
Nedan kan du välja att gå till en annan del av fora.se
Close

Trygghet genom jobbet

Kollektivavtalad tjänstepension och försäkringar

Företag

Information, blanketter och tjänster skiljer sig åt för olika typer av företag.
Välj vilken typ av företag du företräder

Aktuellt på Fora

Månadsmöten med allt från order till tjänstepension

9 november 2022

På Telos Telemontage obligatoriska månadsmöten för all personal tar man upp såväl projektstatus som aktuella frågor om försäkringar och tjänstepension. Utöver det mejlas tips och nyheter som rör pension till alla medarbetare.

Kundservice

I Foras kundservicesektioner hittar du bland annat:

  • Blanketter och instruktioner
  • Situationsguider och frågor & svar
  • Kontaktvägar till Fora

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.

About the insurance agreement

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 wage-earners, salaried employees and business 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 owners who are regarded as company owners have insurance cover for accidents that occur at work.

InsuranceManual workersNon-manual workers Company owners 
AGS, Group sickness insurance    
TFA, Work injury insurance
TGL, Group life insurance    
Avtalspension SAF-LO, Collective pension insurance    
Premiebefrielseförsäkring, Waiver of premium insurance    
What insurance policies apply to whom? Select subtitle in Youtube settings.

Additional insurances will be necessary if the company continues to operate in Sweden after 12 months. Companies with temporary operations in Sweden have a general exemption from Föräldrapenningtillägg, FPT (Supplemental Parental Benefit Insurance), Försäkring om avgångsbidrag, AGB (Redundancy Payment Insurance) and Trygghetsfonden TSL (Employment Transition).

Exemption

Toggle

Companies intending to run temporary operations in Sweden may apply for exemption from AGS and SAF-LO Collective Pension Insurance on the form ”Request for exemption”.

Certificates needed

When applying for exemption from Group Sickness Insurance, AGS, certificate A1 must be sent to Fora as proof that the employee in question is covered by a social insurance system in another EU/EES country.

In the event of application for exemption from SAF-LO Pensions Insurance, a certificate from the insurer must be sent to Fora as proof that occupational pension insurance premiums are being paid for the employee in another EU/EES country.

Decision about exemption

It is Fora that decides if the company will be granted exemption from Group Sickness Insurance (AGS) or SAF-LO Collective Pension Insurance for an employee. The exemption is valid for 12 months, starting from the first day the company operates in Sweden.

Companies domiciled outside the EU/EES may apply to the Labour Market Insurance Board for exemption from occupational insurances according to rules corresponding to those for companies domiciled within the EU/EES.

How to distinguish between wage-earners and salaried employees

Toggle

The method you use to find out whether an employee counts as a wage-earner or a salaried employee will depend on whether your company has a collective agreement or not.

It is usually the collective agreement that determines whether an employee counts as a manual workers or a non-manual workers.

  • Manual workers are covered by collective agreements between an employers’ association and a trade union belonging to LO - The Swedish Trade Union Confederation.
  • Non-manual workers are covered by collective agreements between an employers’ association and a trade union belonging to PTK - the council for negotiation and cooperation.
  • It is the work that an employee performs that determines to which collective agreement they belong.

If you are uncertain how an employee should be classified, you can contact the trade union with which you have a collective agreement.

If your company doesn't have a collective agreement, please contact Fora customer service for guidance.

Companies without collective agreements

At companies without collective agreements, the work that employees perform determines if they count as manual workers or non-manual workers. If it is difficult to make an assessment, Statistics Sweden (SCB) has an Occupational Register, the duties involved in each profession, and whether the individual with that occupation/those duties should be classified as a manual worker or a non-manual worker.

1. Find the profession’s SEI code

2. Manual worker or non-manual worker?

When you count as a business owner

Toggle

Limited company

General partnership

Limited partnership company

Other forms of company

Who counts as a business owner in payroll reporting?

Vilka räknas som företagare och hur gör jag med dem vid lönerapporteringen?
Languages