Companies and organisations take out insurances and occupational pensions for their employees with Fora. The insurances are part of the collective agreement for companies that are either owned privately, or by municipalities and county councils. Companies without collective agreements can also take out insurances at Fora.
Fora gathers data from the companies about how much they have paid out in salaries. Fora uses this data to calculate how much the company needs to pay towards insurances and occupational pensions. The money paid to Fora is then transferred to insurance companies, pension managers and investment funds.
Fora also acts as selection central for SAF-LO Collective Pension Insurance. This means that wage-earners make their choice of pension manager via Fora.
Fora also invoices companies for agreements that have been made for a specific collective agreement. This could be a fee to a foundation for education and research, or additional SAF-LO Collective Pension Insurance contributions for wage-earners in a specific sector.
Fora is jointly owned by the Confederation of Swedish Enterprise and the Swedish Trade Union Confederation.