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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 (hängavtal).

Företag utan kollektivavtal

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

Företag utan anställda

För företag utan anställda, med eller utan kollektivavtal.

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.

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

Information med anledning av Coronaviruset

Det kommer många frågor till Fora med anledning av Coronaviruset. Därför har vi samlat den viktigaste informationen. Hittar du inte svar på dina frågor där, kan du vända dig till Foras kundservice.

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.

Application for employee insurances

BL000142 / Application for collective insurance for employees

Application to be used for companies with or without collective agreement, and foreign companies with temporary operations in Sweden.

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

Companies with collective agreement

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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 without collective agreement

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The insurance agreement starts to apply from the date on which Fora receives the insurance registration.

Download application

Download the form and complete it (preferably on your computer). Print the form and send it to the address shown on the form.

Application for employee insurances - BL000142
Download (pdf)

How to distinguish between manual workers and non-manual workers

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Companies with collective agreements

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.

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

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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).

2. Manual worker or non-manual worker?

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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 manual worker or non-manual worker.

How do I know if an employee is a wage-earner or a salaried employee? Select subtitle in Youtube settings.
Subtitles
Subtitles available in العربية, English, suomi, polski, русский, español and Türkçe. Start the movie and choose language in the player's settings.

When you count as a company 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?
Languages
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.

Information about pdf-files

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Forms, brochures and other downloadable documents on www.fora.se are provided in PDF format. We recommend that you use Adobe Reader software. You can download it free of charge from the Adobe website.