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Private companies that employ manual workers or non‑manual workers can sign an insurance agreement with Fora. For companies with a collective agreement, signing an insurance agreement is mandatory to meet the terms of the collective agreement. However, companies without a collective agreement can also sign an insurance agreement.
The insurance agreement covers all employees; it is not possible to take out insurance for individual employees. The cost of the agreement is based on employee pay. Pay for manual workers must be reported to Fora every month.
The insurance agreement applies to all current and future employees who receive pay, regardless of their type of employment.
Manual workers, non‑manual workers, and owners who are considered self‑employed are covered by different types of insurance. The insurance coverage included in the agreement also differs between companies with a collective agreement and those without one.
It is very important that you differentiate between manual workers, non-manual workers and the self-employed.
Answers to the most frequently asked questions regarding the insurance agreement, payroll reporting and the invoices from Fora.
The cost of Avtalspension SAF-LO, Collective pension insurance and the insurances included in the insurance agreement represents a certain percentage of your employees’ pay.
The insurance agreement includes several types of insurance that provide protection for employees in situations such as illness, parental leave, and termination of employment.