Occupational pension – born before 1988

If you were born before 1988, your occupational pension from your government employment looks like this.

Your employer pays money equivalent to 4.5% of your wages into your occupational pension. Certain employees also have a right to a pre-determined part. You are also insured through your employment, which means that you or your family could receive money if, for example, you become ill or in the event of your death.

The money ends up in different parts

Your occupational pension consists of three different parts. You may have the right to two or three parts.

The selectable part

Your employer pays money equivalent to 2.5% of your wages into this part. You will choose how it is to be managed by selecting the form of savings and insurer. You do not need to choose if you do not wish to. If you do not make your own choice, the money is placed into a traditional insurance scheme without repayment protection with Kåpan Pensions (Kåpan Valbar).

The selectable part

Kåpan Tjänste

Your employer pays money equivalent to 2% of your wages into Kåpan Tjänste. The insurer Kåpan Pensioner manages this part.

Defined benefit retirement pension

  • If you were born before 1973, you also earn into a defined benefit retirement pension.
  • If you were born after 1973 and have a monthly wage over 37,063 SEK, you may also have the right to a defined benefit retirement pension.
  • The size is influenced by your wages, how many years you have been employed, and what year you were born.

You are insured through your employment

You are insured through your government employment. This means you could receive a sickness pension if you become ill. In addition, your family could receive money in the event of your death.

Your retirement pension in brief

Your occupational pension consists of three parts.

  • In general, you belong to Section II in the PA 16 occupational pension agreement if you were born before 1988.
  • You are also insured through your employment, which means that you or your family could receive money if, for example, you become ill or in the event of your death.
  • Your occupational pension is covered by collective agreement. This means that the occupational pension has been negotiated by the union organizations in the State branch (OFR/S, OFR/P, OFR/O; Saco-S; SEKO) together with the Swedish Agency for Government Employers.

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