Kåpan Flex

Your employer pays money equivalent to 1,5 percent (after deductions of your salary) of your salary into this part of your occupational pension.

 Example: This is how much your employer pays

Example 1: Paulo's monthly salary is 27 000 SEK. His employer pays money equivalent to 1,5 percent of his salary to Kåpan Flex.

27 000 * 0,015 = 405 SEK

Total: Paulo's employer 405 SEK monthly to his Kåpan Flex.

Example 2: Anna's salary is 45 000 SEK. Her employer pays money equivalent to 1,5 percent of her salary to Kåpan Flex.

45 000 * 0,015 = 675 SEK

Total: Anna's employer 405 SEK monthly to her Kåpan Flex.

Your money is placed with Kåpan Pensioner

The money that your employer pays is placed in a traditional insurance called Kåpan Flex with a guranteed interest, managed by Kåpan Pensioner. The insurance is by default without a repayment cover. You can if you wish, choose to add repayment cover. To change repayment cover contact Kåpan Pensioner.

Read more about Kåpan Flex on Kåpan Pensioner's website. 

If your employment ends

If your employment within the government sector ends, your employer stops paying pension into Kåpan Tjänste for you. Kåpan Pensioner will continue to manage the money until you retire and start to withdraw the pension.

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