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.

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.

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 which are intended to be conducted in Sweden for a period of no more than 12 months. The time period is counted 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.