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Kollektivavtalad tjänstepension och försäkringar

Företag

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

Sänkt ålder för Avtalspension SAF-LO 2021

Svenskt Näringsliv och LO har träffat en överenskommelse om att successivt sänka åldern för intjänande till Avtalspension SAF-LO från dagens 25 år, med start 2021.

Information med anledning av Coronaviruset

Vi får många frågor med anledning av Coronaviruset och har 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.

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. 

Lowered income age for SAF-LO Collective Pension Insurance as of 2021

Svenskt Näringsliv – The Confederation of Swedish Enterprise – and LO – The Swedish Trade Union Confederation – have reached an agreement to gradually lower the income age for SAF-LO Collective Pension Insurance from the current 25 years to 22 years.

This means that from 1 January 2021, manual workers who are 24 years old should be included in the pay amount that forms the basis for calculating the premium that the employer pays to SAF-LO Collective Pension Insurance.

Costs and price list

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Which insurances your company pays for will depend on whether you employ both manual workers and non-manual workers .

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

Prices 2021

Occupational pension for manual workers

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Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts.

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 24 and 65 years – this means that this cost is based solely on their pay.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension SAF-LO, Collective pension insurance  should also be included. 

Insurances for manual workers

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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 2021.

Tjänstegrupplivförsäkring, TGL (Group Life Insurance)
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.15 per cent is paid on that part.

Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
The cost is calculated on the entire salary and is 0.01 per cent of it.

Premiebefrielseförsäkring (Waiver of Premium Insurance)
No cost will be charged for 2021.

Insurance for non-manual workers

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Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)

The cost is calculated on the entire salary and is 0.05 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 company owners is included).

Prices 2020

Occupational pension for manual workers

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Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts  (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts.

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 25 and 65 years – this means that this cost is based solely on their pay.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension SAF-LO, Collective pension insurance  should also be included. 

Insurances for manual workers

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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 2020.

Tjänstegrupplivförsäkring, TGL (Group Life Insurance)
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.15 per cent is paid on that part.

Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
The cost is calculated on the entire salary and is 0.01 per cent of it.

Premiebefrielseförsäkring (Waiver of Premium Insurance)
No cost will be charged for 2020.

Insurance for non-manual workers

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TFA, Work injury insurance 
The cost is calculated on the entire pay and is 0.03 per cent of it.

The cost is based solely on the pay 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 company owners is included).

Prices 2019

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 2019.

Tjänstegrupplivförsäkring, TGL (Group Life Insurance)
The cost is calculated on the parts of the salary below 7.5 price base amounts. 0.15 per cent is paid on that part.

Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
The cost is calculated on the entire salary and is 0.01 per cent of it.

Premiebefrielseförsäkring (Waiver of Premium Insurance)
No cost will be charged for 2019.

Occupational pension for manual workers

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Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts.

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 25 and 65 years – this means that this cost is based solely on their salaries.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension 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

Toggle

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 company owners is included).

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.

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.

Trygghetsförsäkring vid arbetsskada, TFA (Work Injury Insurance)
The cost is calculated on the entire salary and is 0.01 per cent of it.

Premiebefrielseförsäkring (Waiver of Premium Insurance)
No cost will be charged for 2018.

Occupational pension for manual workers

Toggle

Avtalspension SAF-LO, Collective pension insurance

The cost of Avtalspension SAF-LO, Collective pension insurance will depend on the employee’s pay.

  • 4.3 per cent is paid for the parts of the pay below 7.5 income base amounts (but 4.5 per cent is transferred to the pension manager).
  • 30 per cent is paid for the parts of the pay above 7.5 income base amounts..

Avtalspension SAF-LO, Collective pension insurance covers the company’s manual workers aged between 25 and 65 years – this means that this cost is based solely on their pay.

Manual workers who have reached the age of 65 years and have an agreement about continued earning towards Avtalspension 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 company 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 pay statement. After payroll reporting in January an annual settlement is made based on the final pay statement.

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

Basis of debit/year/SEK (Debiteringsunderlag/år/kr)

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The final pay statement that is reported in January is adjusted upwards by a certain percentage. This is how Fora calculates preliminary pay statement for the current year. The preliminary pay statement is 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).

Fees as per collective agreement

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If the company has a collective agreement and must pay fees, they are shown here. A company may pay several different fees.

You can log in to Mina sidor (My pages) to check which fees you must pay.

Questions about debt collection claim

Svea Ekonomi handles all Fora’s debt collection cases.

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

Register billing address

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It is possible to register a separate billing address with Fora. The company will then have two addresses in Fora's register: one billing address for invoices and one address for other mail. 

If you would like Fora to send your invoice to a separate billing address, you need to fill a form.

Payment

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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 collection claim

Svea Ekonomi handles all Fora’s debt collection cases.

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

Payment of a credit invoice

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In order to be able to pay out credit invoices, Fora requires a bank statement issued by your bank as proof that the bank account belongs to the company name. Please email a scanned copy of the bank statement to Fora.