The insurance agreement that a company signs with Fora is a complete package of collectively agreed insurances. However, the contents of this package will vary for manual workers, non-manual workers and company owners. 

These are the collectively agreed insurances administrated by Fora. It´s a packaged deal but coverage vary depending on whether the employer has a collective agreement or not, and if employees are manual workers or non-manual workers.

These are the collectively agreed insurances administrated by Fora. It´s a packaged deal but coverage vary depending on whether the employer has a collective agreement or not, and if employees are manual workers or non-manual workers.

If at any time you have earned money towards SAF-LO collective pension insurance (Avtalspension SAF-LO)  you  will receive an annual pension statement from Fora. 

Here we’ve gathered a number of situations that may require special handling - for example, reporting hourly employees, individuals with protected identities, or employees without a personal identity number or coordination number.

As a manual worker at a private company with collective agreements, you will normally be covered by the collective insurances.

The total payroll for non-manual workers is reported once a year, in January. For CEOs and owners, the reporting depends on whether they are classified as manual workers, non-manual workers, or business owners.

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.

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.

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.