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. Through the insurance agreement with Fora, manual workers are covered by the SAF-LO occupational pension and insurance in the event of illness/sickness and parental leave. Non-manual workers and the self-employed are only covered by the TFA, Work Injury Insurance.

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.

Here you can read which personal data we manage, why, the sources from which we obtain this data, what we do with them and who is allowed access to them.

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.