The total payroll for non-manual workers is reported once a year, in January. For CEOs and owners, the reporting depends on whether they are classified as manual workers, non-manual workers, or business owners.

The short instructional movie clips answer the most common questions. They have subtitles in different languages.

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.

Section in English with a brief description of Fora and the collectively agreed insurances – for employers and employees