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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

slide2

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 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

slide20

WWW

fora.se

afaforsakring.se

tsl.se

collectum.se

alecta.se

trr.se

finfa.se

overview

slide21
Law

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

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

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