Occupational pension – born in 1988 or later

If you were born in 1988 or later,your occupational pension from your govenment employment consists of different parts.

Your employer pays money equivalent to 6 percent of your salary into your occupational pension. If your salary is greater than 41 750 SEK a month, your employer pays an additional 31,5 percent of your salary from 41 751 SEK and up.

Your money is placed in three different parts

The selectable part

Your employer pays money equivalent to 2,5 percent of your salary, up to 41 750 SEK a month. If your salary is higher, your employer pays in an additional 20 percent of your salary from 41 751 SEK and up.

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 to. If you do not make your own choice, the money is placed in a traditional insurance (Kåpan Valbar) without repayment cover managed by Kåpan Pensioner.


Read more about the selectable part

Kåpan Tjänste

Your employer pays money equivalent to 2 percent of your salary up to 41 750 SEK a month into your occupational pension. If your salary is higher, your employer pays in an additional 10 percent of your salary from 41 751 SEK and up.

Read more about Kåpan Tjänste

Kåpan Flex

Your employer pays money equivalent to 1,5 percent of your salary into this part no matter the size of your salary.

Read more about Kåpan Flex

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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