The insurance agreement that a company signs with Fora is a complete package of collectively agreed insurances. However, the contents of this package will vary for manual workers, non-manual workers and company owners. 

An insurance agreement can be signed using a paper form and, for some companies, through an e-service. Once the agreement has been signed, the company will receive a confirmation by post. You will need to state your Swedish business registration number in the application.

A brief description of the collective insurances administrated by Fora. It´s a packaged deal but coverage vary depeding on whether the employer has a collective agreement or not, and if employees are manual workers or non-manual workers.

These are the collectively agreed insurances administrated by Fora. It´s a packaged deal but coverage vary depending on whether the employer has a collective agreement or not, and if employees are manual workers or non-manual workers.

These are the collectively agreed insurances administrated by Fora. It´s a packaged deal but coverage vary depending on whether the employer has a collective agreement or not, and if employees are manual workers or non-manual workers.

The cost of Avtalspension SAF-LO, Collective pension insurance and the insurances included in the insurance agreement represents a certain percentage of your employees’ pay. Different insurances have different percentages, which vary from year to year.

Fora manages solutions for collectively agreed insurances on behalf of Sweden’s labour market parties and is the selection central for Avtalspension SAF-LO, Collective pension insurance. Fora is jointly owned by Svenskt Näringsliv – The Confederation of Swedish Enterprise and LO – The Swedish Trade Union Confederation.

As a manual worker at a private company with collective agreements, you will normally be covered by the collective insurances.

Section in English with a brief description of Fora and the collectively agreed insurances – for employers and employees

Fora helps companies and their employees to navigate their collectively agreed pension and insurance solution. Our smart and affordable services make working life more secure and society more sustainable.