Law and agreements
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Law and agreements. Overview. PRIVATE. AGREEMENTS. LAW. What is the employee covered by?. WAGE EARNERS Fora. SALARIED EMPLOYEES Collectum. Work injury insurance TFA. Illnes / r etirement pension The ITP plan. Death TGL ( in Alecta or another eligible company). Illnes

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Law and agreements

Law and agreements

Overview

overview


Law and agreements

PRIVATE

AGREEMENTS

LAW

overview


What is the employee covered by

What is the employeecovered by?

WAGE EARNERS

Fora

SALARIED EMPLOYEES

Collectum

Work injury insurance

TFA

Illnes / retirement pension

The ITP plan

Death

TGL

(in Alectaor another eligible company)

Illnes

AGS

PRIVATE

AGREEMENTS

Retirementpension

SAF-LO Collective Pension

LAW

Fora

Death

TGL

Workinjury

TFA

Workshortage

AGB/TSL

Workshortage

AGE/TRR

Parentalallowance supplement

FPT

overview


Base amounts

Base amounts

overview


Income ceiling

Incomeceiling

ITP 1

SAF-LO Collective Pension

Sick pay according to law and agreement

TFA

30 iba

SEK 1,707,000/year

ITP 2

10 iba

SEK 569,000/year

10-fold earner/Alternative ITP

10 pba

SEK 444,000/year

Parental benefit

7,5 iba

SEK 426,750/year

Statutory pension

7,5 pba

SEK 333,000/year

Sickness benefit/sickness compensation

Work injury insurance

Temporary parental allowance

overview


Employer s contribution

Employer’scontribution

31,42%

overview


Employer s contribution deviation

Employer’scontribution-deviation

* With effect from 01/07, born 1991 and later, only 10.21%

New Start jobs/Special New Start jobs - compensation for employer's contribution to employer

www.arbetsformedlingen.se

overview


Special payroll tax

Special payroll tax

24,26%

of the pension expensesin the company

overview


Premiums wage earners

Premiums - wage earners

* 0.60% for localcollectiveagreementcompanies

** The premium is paid from the month in which the wageearnerturns 25.

overview


Premiums salaried employees

Premiums -salariedemployees

* Health and waiver of premium insurance included

** 0,70% for local collective agreement companies

overview


Maximum cost itp 2

Maximum cost- ITP 2

* premium added

family pension

overview


Organisation wage earners

Organisation - wageearners

Fora

SAF-LO

Collective Pension

Careerreadjustment

support

AGB

TGL

AGS

TFA

FPT

Insur.

company

AMF

Company

TSL

AFA Insurance

Career readjustment support and AGB are part of the career readjustment insurance that applies to companies with collective agreements

overview


Organisation s alaried employees

Organisation - salariedemployees

Fora

Collectum

Careerreadjustmentagreements

ITP 2

ITP 1

TGL

TFA

Retirem.

pension

Family

pension

Retirem.

pension

Disability

pension

Premium

waiver

Risk

ITPK

Company

Insurance companies

Alecta

Alecta

Alecta

AFA

Insurance

TRR

Bliwa

Folksam

Ikano Försäkring

LF

Movestic

SalusAnsvar

SEB Trygg Liv

SEB Trygg Liv Fond

Skandia Liv

Company

PRI

Pensionsgaranti

overview


Who are self employed persons

Who are “self-employed persons”?

and the self-employed person’sspouse who is active in the company

overview


Obligation to take out insurance

Obligation to take out insurance

Member of Confederationof Swedish Enterprise

Company

Company

Union agreement

e.g. e.g.

MAF - IF Metall MAF - Unionen

Local collective agreement

with e.g. IF Metall

Local collective agreement

with e.g. Unionen

  • Insurance agreements must be taken outfor all employees

  • AFA insurance, Career readjustment insur.and SAF-LO Collective Pension for wageearners

  • ITP - TGL - TFA - TRR for salaried employees

  • Insurance agreements with Fora must be taken

  • out for all employees

  • AFA insurance, Career readjustment insur. and SAF-LO Collective Pension for wage earners

  • TFA for salaried employees

overview


Guarantee

Guarantee

Collective insurance schemes guarantee all employeescovered by “recognised” collective agreements

the right to compensation even if the employer has

failed to maintain insurance cover.

Retroactive premiums for the employer

overview


Financing systems

Financing systems

Pay-as-you-go system

Income pension

Supplementary pension

Charges

Paymentsretirement age

Funded system

ITP/SAF-LO Collective Pension

Premium pension

fund

fund

Charges

Paymentsretirement age

overview


Salary terms pensions

Salary terms - pensions

overview


Salary terms sickness

Salary terms - sickness

overview


Law and agreements

WWW

fora.se

afaforsakring.se

tsl.se

collectum.se

alecta.se

trr.se

finfa.se

overview


Law and agreements

Law

overview


Wage earners agreements

Wage earners- agreements

overview


Salaried employees agreements

Salaried employees- agreements

overview


Summary wage earners

Summary- WageEarners

SAF-LO collective pension (temp/lifelong)

Statutory pension

Defined premiums

Earlydrawing

ASL

age 25

age 65

age 55

AGS

Working hours as well as travel to and from work

TFA

Phasingout

TGL

age 55

Career

insur.

Careerreadjustment support

AGB

age 40

FPT

overview


When and how wage earners

When and how? - wageearners

overview


Summary salaried employees itp 1

Summary- salariedemployees ITP 1

ITP (temp / lifelong)

Earlydrawing

Defined premiums

Health insurance

Statutory pension

ITP 1

age 55

age 65

age 25

age 18

Working hours as well as travel to and from work

TFA

Phasingout

TGL

age 70

age 55

age 18

AGE

Careerreadjustment support

TRR

age 40

overview


Summary salaried employees itp 2

Summary- salariedemployees ITP 2

ITPK(temp / lifelong)

  • ITP(temp / lifelong)

Statutory pension

Health insurance

Benefits/defined premiums

ITP 2

age 18

age 62

age 28

age 55

age 65

Finalpayment

Earlydrawing

ITP - retirement pensionITP - family pension > 7.5 ibaITPK

Working hours as well as travel to and from work

TFA

Phasingout

TGL

age 70

age 55

age 18

AGE

Careerreadjustment support

TRR

age 40

overview


When and how salaried employees

When and how? - salaried employees

overview


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