• Start
• In English
• For employers
• Cost, invoice and payment
• The monthly invoice

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.

• Start
• Companies with collective agreement
• Cost, invoice and payment

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.

• Start
• Companies without collective agreement
• Cost, invoice and payment

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.

• Start
• In English
• For employers
• Cost, invoice and payment
• Invoicing routines

From 2024, and during a transitional period, Fora issues invoices from two different systems. Companies with both manual workers and non-manual workers will receive the costs on separate invoices with different payees. An invoice from Fora must always be paid, even if you believe it is incorrect.

• Start
• In English
• For employers
• Company lays off all employees

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

• Start
• In English
• For employers
• Cost, invoice and payment
• Cost of the insurance agreement

The cost of Avtalspension SAF-LO, Collective pension insurance and the insurances included in the insurance agreement represents a certain percentage of your employees’ pay. Different insurances have different percentages, which vary from year to year.

• Start
• In English
• For employers
• Reporting pays and premiums
• About the reporting

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.

• Start

Svenskt Näringsliv – The Confederation of Swedish Enterprise – and LO – The Swedish Trade Union Confederation – have reached an agreement to gradually lower the income age for SAF-LO Collective Pension Insurance from the current 25 years to 22 years.

• Start
• This is what Fora does

Fora administers SAF-LO Collective Pension Insurance and the collectively agreed insurances.

• Start
• Companies without collective agreement

Companies without collective agreements can take out insurances and occupational pensions for their employees via Fora.