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.

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. 

The insurance agreement remains in effect even if the company no longer has any employees.

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.

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. 

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.

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.

Find out why reporting pay and premiums is so important, how the monthly pay reporting works for manual workers and why and how the annual pay should be reported for the non-manual workers.