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.

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.

When you report pay for manual workers each month, Fora can generate an invoice with the final minthly cost for their occupational pension and insurance. A monthly invoice for Avtals­pension SAF-LO and other insurance for manual workers is sent each month based on monthly payroll reporting. The monthly invoice is normally sent on the first business day of each month.

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.

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.

When the company hires employees, their pay must be reported to Fora. This applies to both manual workers and non-manual workers.

For employers, the insurance agreement with Fora removes all uncertainty about which insurances and occupational pension your employees should have. Find out more about collectively agreed pension and insurances for companies within the private sector.

Section in English with a brief description of Fora and the collectively agreed insurances – for employers and employees

If the company already has an insurance agreement through Fora and signs a collective agreement, the cost of the insurance agreement will be affected.

A brief description of the collective insurances administrated by Fora. It´s a packaged deal but coverage vary depeding on whether the employer has a collective agreement or not, and if employees are manual workers or non-manual workers.