Local collective agreement with a trade union

A local collective agreement means that an employer has concluded a collective agreement with a trade union. As a rule, this means that you as an employer must take out a collective insurance scheme for your employees. Our guide will help you make the right choices that take the guesswork out of insurance.

What is a local collective agreement?

A local collective agreement (hängavtal in Swedish) means that an employer has concluded a collective agreement with a trade union. As a rule, it is the employer who must take out a collective insurance scheme, including occupational pensions, for employees.

Take out your collective insurance

Depending on whether your employees are wage earners or salaried employees, different insurance and occupational pension solutions apply.

 

Enroll your wage earners with:

Enroll your salaried employees with:

Whom must the company take out insurance for?

Local collective agreements with a trade union affiliated with the Swedish Trade Union Confederation (LO) for wage earners

When the company has concluded a local collective agreement with a trade union that is affiliated with the Swedish Trade Union Confederation, it must conclude an insurance contract with Fora. This means that the employer must take out insurance for all employed wage earners. In this case, salaried employees are also covered by work injury insurance (TFA), which is part of the insurance contract with Fora.

Local collective agreements with a trade union affiliated with the Council for Negotiation and Co-operation (PTK) for salaried employees

If your company has concluded a local collective agreement with a trade union that is affiliated with the Council for Negotiation and Co-operation (PTK) , it concludes an insurance contract with Fora and a pension agreement with Collectum for the salaried employees. In this case, the company must also insure and enroll all employees with Fora. The employed wage earner is covered by Fora’s insurance contracts, except for career readjustment support.

Premiums for collective insurance

The cost of insurance and occupational pensions is the same for companies that are members of an employer association as for companies with a local collective agreement, with one exception. The premium for career readjustment insurance for wage earners and readjustment agreements for salaried employees is higher for companies with local collective agreements.

Customer service for employers

Contact our experts regarding collective insurance schemes

  • Phone: +46 10 45 53 800
  • Email: fraga@finfa.se
  • Opening hours: Business days 8.30 a.m. - 4 p.m.