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Kollektivavtalad tjänstepension och försäkringar

Privat
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Så fungerar din tjänstepension Avtalspension SAF-LO och de försäkringar du har genom din arbetsgivare.
Så fungerar din tjänstepension Avtalspension SAF-LO och de försäkringar du har genom din arbetsgivare.
Gå till Privat
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 (hängavtal).

Företag utan kollektivavtal

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

Kommun- och regionsektorerna

Kommuner, 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.

Rapportera slutliga löner för 2019

De slutliga lönerna för 2019 rapporteras på Mina sidor mellan 2 och 31 januari 2020.

Läs mer om hur lönerapporteringen går till Logga in på Mina sidor

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.

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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.

Läs mer
Start In English For employers Foreign companies with temporary operations in Sweden About the insurance agreement

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 wage-earners, the insurance agreement provides comprehensive insurance cover, including an occupational pension.

Salaried employees and business owners have insurance cover for accidents that occur at work.

InsuranceWage-earnersSalaried employees Business owners 
Avtalsgruppsjukförsäkring, AGS (Group Sickness Insurance)    
Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
Tjänstegrupplivförsäkring, TGL (Group Life Insurance)    
Avtalspension SAF-LO (SAF-LO Collective Pension Insurance)    
Premiebefrielseförsäkring (Waiver of Premium Insurance)
    
Read more about the insurances
What insurance policies apply to whom? Select subtitle in Youtube settings.
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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

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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.

Request for exemption

How to distinguish between wage-earners and salaried employees

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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 with collective agreements

It is usually the collective agreement that determines whether an employee counts as a wage-earner or a salaried employee.

  • Wage-earners are covered by collective agreements between an employers’ association and a trade union belonging to the Swedish Trade Union Confederation (LO).
  • Salaried employees are covered by collective agreements between an employers’ association and a trade union belonging to the Swedish Council for Negotiation and Co-operation (PTK).
  • 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.

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.

1. Find the profession’s SEI code

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Find the profession’s SEI code in the list of occupational titles (yrkesförteckning).

If you don't know the title, you can search for it in the Swedish Standard Classification of Occupations (Svensk Yrkesklassificering).

Yrkesförteckning Svensk yrkesklassificering

2. Wage-earner or salaried employee?

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Finally, check the Socioeconomic Classification Socioekonomisk indelning) to see if the SEI code means that the employee is classified as a wage-earner or a salaried employee.

Socioekonomisk indelning
How do I know if an employee is a wage-earner or a salaried employee? Select subtitle in Youtube settings.
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When you count as a business owner

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Limited company

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It is the percentage of company stock you own that determines whether you are regarded as a business owner. If other family members own company stock, you should include their shares when calculating your ownership stake.

Rules for calculating your ownership stake:

Your shares (at least one) 
+ shares owned by your husband/wife/registered partner
+ shares owned by your children 
+ shares owned by your parents 
= your ownership stake

If your ownership stake is at least 33.33 per cent, you are considered to be a business owner.

You should not include your cohabitant’s or your sibling’s shares when you calculate your ownership stake.

Family members can also be business owners

If you count as a business owner, your family members may also count as business owners. 

Children and parents

If you are a business owner and have children or parents who own at least one share and are active in the company, they also count as business owners.

Husband/wife/registered partner

If you are a business owner and have a husband/wife/registered partner who is active in the company, they will also count as a business owner, even if they own no shares.

Cohabitant

If you are a business owner and have a cohabitant who owns more than 33.33 per cent of the company stock and is active in the company, they will also count as a business owner.

Rules for calculating your cohabitant’s ownership stake:

Cohabitant’s shares 
+ shares owned by your cohabitant’s children 
+ shares owned by your cohabitant’s parents
= cohabitant’s ownership stake

Your cohabitant should not add their shares to your shares to calculate their ownership stake.

General partnership

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  • You are a joint-owner.
  • You are the husband/wife/registered partner of a joint-owner and active in the company.

Limited partnership company

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  • You are a general partner.
  • You are the husband/wife/registered partner of a general partner and active in the company.

Other forms of company

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  • You are an owner.
  • You are the husband/wife/registered partner of an owner and active in the company.

Who counts as a business owner in payroll reporting?

Vilka räknas som företagare och hur gör jag med dem vid lönerapporteringen?
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Who counts as a business owner when payroll reporting? Subtitles available in العربية, English, suomi, polski, русский, español and Türkçe. Start the movie and choose language in the player's settings.

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