If you become sick
In most cases your employer will continue to pay in to your occupational pension if you become sick. If you become long-term ill you could have right to additional payments from us. This is called sick pension.
This is how you earn into the occupational pension if your sick
Depending on which year you were born, which section you belong to, you have different parts that could be affected.
Born before 1988 - Section 2
You will keep on earning into the different parts of your occupational pension when you are sick. If you have a salary being paid out while sick you will earn into Kåpan Flex.
Born 1988 or later - Section 1
You will keep on earning into your selectable part and to Kåpan Tjänste. If you have a salary being paid out while sick you will earn into Kåpan Flex.
If you become long-term sick
If you become long-term sick and cannot work full time, there is a form of security in your government employment which means that you could receive payments from us. This is called sick pension.
When could you receive sick pension?
- You could receive sick pension if you're a government employee and receive so-called "sjukersättning" or "aktivitetsersättning" from Försäkringskassan.
- If you end your state employment and become ill within three months and later receive sjukersättning or aktivitetsersättning you could receive sick pension. This is called after-protection. The after-protection is only valid if you have not received a new employment where you have a similar protection.
- To receive sick pension you need to have a form of compensation from Försäkringskassan because of sickness uninterrupted until the time you receive a decision regarding sjukersättning.
As long as you only have so-called "sjukpenning" from Försäkringskassan you cannot receive sick pension.
The sick pension is dependent on your salary
If you have full sjukersättning or aktivitetsersättning your sick pension would be about 15 per cent of your salary. The salary used when we calculate your sick pension is called pensionable salary. Simply put this is the average of your salary the last five whole years. If you have a salary that is higher than 32 812 SEK per month your monthly sick pension will be higher.
If Försäkringskassan decreases or increases your sjukersättning or aktvitetsersättning, we will decrease or increase the sick pension in the same percentages. If you receive an occupational injury annuity it could also mean that your sick pension from us decreases.
Example how we calculate the payment of sick pension – If salary is 25 000 SEK per month
Petra has received full sjukersättning from Försäkringskassan. To calculate the sick pension we use an average of the five latest annual salaries. Her average annual salary is 300 000 SEK. She will receive 15 per cent in sick pension from SPV. That would be 45 000 SEK.
This is then calculated in the following way:
300 000 x 0,15 = 45 000 SEK
45 000 SEK / 12 months = 3 750 SEK per month
Since Petra will get the sick pension paid out in 2024 we need to update the amount by securing using the price base amount:
3 750 x (57 300 / 52 200) = 4 116 SEK
In total Petra will receive 4 116 SEK per month in sick pension.
If Petra would receive half sjukersättning from Försäkringskassan she would receive half sick pension from us. That amount would then be 2 058 SEK per month.
Example how we calculate the payment of sick pension - If salary is 40 000 SEK per month
Alihas received full sjukersättning from Försäkringskassan. To calculate the sick pension we use an average of the five latest annual salaries. His average annual salary is 480 000 SEK. He will receive 15 per cent in sick pension from SPV for the part of his salary that is below 393 750 SEK (7,5 price base amounts 2023). He will receive an additional 75 per cent for the part of his salary that is above 7,5 income base amounts, meaning 86 250 SEK (480 000 – 393 750).
This is then calculated in the following way:
393 750 SEK x 0,15 = 59 063 SEK
86 250 SEK x 0,75 = 64 688 SEK
59 063 + 64 688 = 123 751 SEK
123 751 SEK / 12 months = 10 313 SEK per month
Since Ali will get the sick pension paid out in 2024 we need to update the amount by securing using the price base amount:
10 313 x (57 300 / 52 500) = 11 256 SEK
In total Ali will receive 11 256 SEK per month in sick pension.
If Ali would receive half sjukersättning from Försäkringskassan he would receive half sick pension from us. That amount would then be 5 628 SEK per month.
How to apply for sick pension
If you are currently in state employment
- Contact your employer. It is your employer that fills in the application and send in the application for sick pension to us.
- You need send the decision regarding sjukersättning or aktivitetsersättning to your employer. Your employer need to send us a copy of the decision together with the application.
If you've ended your state employment
If you have ended your state employment and become ill within three months please contact our Customer Service for more information.
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