Occupational pension – born in 1988 or later

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

Your employer pays money equivalent to 6% of your wages into your occupational pension. If your wages are greater than 40,250 SEK a month, your employer pays in 31.5% of your wages from 40,251 SEK and up.

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.

The selectable part

Your employer pays money equivalent to 2.5% of your wages, up to 40,250 SEK a month. If your wages are higher, your employer pays in 20% of your wages from 40,251 SEK and up.

You choose who will administer this part. 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 cover with Kåpan Pensions (Kåpan Valbar).

The selectable part

Kåpan Tjänste

Your employer pays money equivalent to 2% of your wages into your occupational pension, up to 40,250 SEK a month. If your wages are higher, your employer pays in 10% of your wages from 40,251 SEK and up.

Kåpan Flex

Your employer pays money equivalent to 1.5% of your wages into your occupational pension (after deductions from wages). You can use this part to cut down on work time before you retire.

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 different parts.

  • If you were born in 1988 or later, you belong to Section I in occupational pension agreement PA 16.
  • 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,P,O; Saco-S; SEKO) together with the Swedish Agency for Government Employers.

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