About the insurance agreement

The insurance agreement with Fora is signed by completing a form.

Companies without collective agreement: The insurance agreement starts to apply from the date on which Fora receives the insurance registration.

Companies with collective agreement: Regardless of when Fora receives the insurance registration, the insurance agreement applies from the date on which the company is bound by a collective agreement. Fora invoices for the insurance agreement from the date that the collective agreement came into force.

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”.

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.

When your temporary operation in Sweden have ceased you may want to cancel your agreement. The only way to cancel the insurance agreement is to complete a special form. N.B. Please submit an extract from the company register showing the current authorized signatory.

After your agreement has been terminated, you will have to do your final report so your account can be settled.

Please consider the following

The insurance agreement may not be terminated as long as there are employees still covered by collective agreements. Please attach the confirmation that you receive from the trade union with the cancellation form.

Fora recommend that you maintain insurance coverage even if the company operates without employees, since self-employed persons and their spouses/registered partners who are active in the business are covered by Work Injury Insurance (TFA).

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.

Companies without collective agreements

At companies without collective agreements, the work that employees perform determines if they count as wage-earners or salaried employees. 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 wage-earner or a salaried employee.