Fora helps companies and their employees to navigate their collectively agreed pension and insurance solution. Our smart and affordable services make working life more secure and society more sustainable.

In order to register an individual and report pay a Swedish personal identity number or co-ordination number is required. It is not possible to register or report individuals with just their date of birth.

Pay for manual workers must be reported to Fora every month. The report must be submitted no later than the last day of the month following the month of payment.

Fora manages solutions for collectively agreed insurances on behalf of Sweden’s labour market parties and is the selection central for Avtalspension SAF-LO, Collective pension insurance. Fora is jointly owned by Svenskt Näringsliv – The Confederation of Swedish Enterprise and LO – The Swedish Trade Union Confederation.

Pay should be reported for the month it was disbursed. This pay forms the calculation basis for the cost of the employees’ occupational pension each month.  This means that the provision for the employees’ occupational pension may vary from month to month, depending on the amount of the pay disbursed. 

Instructions for companies that wants to use other login methods than Swedish BankID or Freja. Expisoft provides solutions that Fora supports for secure log in to Mina sidor (My pages).

Occupational pension and insurances are among the most common and important employment benefits you, as an employer, can offer your employees. As an employer, it is important that you can give employees information about the insurances and the occupational pension they have through their employment.

If you run your own business without employees, you can sign an insurance agreement with Fora. As long as you do not hire any employees, you only pay the base premium and do not need to report pay. Through the insurance agreement, you are covered by the Work injury insurance (TFA).

As of 1 October 2022, employers who pay a fee to a registered readjustment organisation can receive compensation for this cost in accordance with the Act (2022:850) on Basic Readjustment Assistance and Skills Support. The remuneration an employer may receive is decided by the Swedish Legal, Financial and Administrative Services Agency. Applications and payments are administered by Fora. 

How costs are calculated and information about invoicing and payments routines. What the cost of the insurance contract will be depends on whether the employees are manual workers or non-manual workers and what their pay is.