Getting started with the insurances - new with collective agreement

Your collective agreement offers security for you and your employees. The occupational pension and the insurance provide your employees with additional protection when things happen during and after their working life. As an employer, you are responsible for entering into the insurance agreements. You are also responsible for continually administering the insurance package.

Sign up for occupational pension and insurance agreement

The type of occupational pension and insurance you should sign up for depends on whether your employees are white collar or blue collar workers. In the vast majority of cases, the work duties determine whether an employee is viewed as a blue collar or a white collar worker, although not always. You should therefore always check this with your employers’ association, trade union or with us at Avtalat, to ensure that everything is correct from the start.

When you are going to sign up for collectively agreed occupational pension and insurance for your employees, you first have to enter into insurance contracts with the companies that administer the insurance. For blue collar workers, you have to enter into an agreement with Fora, while for white collar workers you have to enter into agreements with both Collectum and Fora.

Sign up for occupational pension and insurance agreement for blue collar workers:

• Application for employee insurances, Fora

Sign up for occupational pension and insurance agreement for white collar workers:

• Application for pension contract - affiliation to ITP and TGL, Collectum
• Application för employee insurances, Fora

All employees are covered

All employees, apart from owners (self-employed-persons) and CEOs of companiens, are automatical covered by the occupational pension and insurance. Trygghetsförsäkring vid arbetsskada (TFA), a work injury insurance, applies to everyone, however.

The employer can voluntarily take out collectively agreed occupational pension and insurance or other solutions for self-employed persons and CEOs.

Your employees’ occupational pension and insurance

The pension that blue collar workers receive through their work is called Avtalspension SAF-LO, which is a collective pension. For white collar workers, the pension is called ITP. The occupational pension means that the employee receives additional money towards their pension. Several insurances are also included, which provide extra protection in the case of various events in a person’s life.

How much does it cost?

We have compiled the eemployer’s costs for the collectively agreed occupational pensions and insurance. This sets out what applies to blue collar workers, white collar workers with ITP 1 and white collar workers with ITP 2.

You can see this year´s base amounts and employers contributions in our handbook on collectively agreed occupational pensions and insurance 2024, page 24-26.

Monitor and administer insurance

As an employer you are responsible for administering the insurance on an ongoing basis.

For example, you have to report your employees’ salaries and keep check on when events occur that have an impact on the insurance. This might relate to an employee being on sick leave, on parental leave or having suffered an injury at work.

Use our checklists to keep track.