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).

General Terms and Conditions for the use of Mina sidor (My pages). Translated version of BF000226 / Allmänna villkor för Mina sidor

Foreign companies with temporary operations are defined as operations that are intended to be carried out in Sweden for a period of no more than 12 months. The 12-month period is calculated from the date on which the company commences operations in Sweden.

Find out why reporting pay and premiums is so important, why it must be done on time, and how the reporting differs for manual workers, non-manual workers, and business owners.

In the event of a restructuring, transfer or merger, the company taking over the business should submit an insurance application to sign a new insurance agreement to avoid any interruption between the insurance agreements.

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.

In certain industries, there are agreements requiring the employer to pay supplementary pension premiums for the manual workers’ occupational pension, in addition to the standard premium for the Avtals­pension SAF-LO, Collective Pension. It is also possible to make additional premium payments.

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.

Every year, your employer pays a premium into your occupational pension. It is called Avtalspension SAF-LO, Collective pension insurance and is a pension that you receive in addition to your basic state pension.

It is very important that you differentiate between manual workers, non-manual workers and the self-employed. Categorising errors have consequences for both pensions and insurance cover. Please note that the managing director/CEO can be a non-manual worker, manual worker or self-employed.