Born before 1988 - Section 2

Your employer pays into your occupational each month. It could be several thousands each month. Through your employment you have a safety net that in the event of your death pays out money to your family. You might also have the right to a sickness pension in the event that you should become long term ill.

Your money is placed in different parts

The occupational pension consists of different parts. You may have the right to two or three of them, you belong to section 2 of the collective agreement PA16.

The selectable part

Your employer pays money equivalent to 2,5 percent of your salary into this part. You can choose how the money should be managed by selecting the form of savings and insurer. You do not have to make a selection if you do not wish. If you do not make a choice, the money is placed in a traditional insurance (Kåpan Valbar) without repayment cover managed by Kåpan Pensioner.

The selectable part

Kåpan Tjänste

Your employer pays money equivalent to 2 percent of your salary into the pension insurance Kåpan Tjänste. The insurer Kåpan Pensioner manages this part.

Kåpan Tjänste

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 44 375 SEK, you may also have the right to a defined benefit retirement pension.
  • The size of this part is influenced by your salary, how many years you have been employed, and what year you were born.

The defined benefit retirement pension

You are insured through your employment

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

Watch our recorded webinar about occupational pension

This is a recorded webinar about occupational pension in Sweden for state employees. This webinar covers section 2 of PA 16, the collective agreement for occupational pension for state employees.

Watch the webinar at Youtube

Your occupational pension is covered by collective agreement

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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