Collective Agreement Insurances

Sep 14, 2021 by     No Comments    Posted under: Uncategorized

For employers, the insurance contract with Fora removes any uncertainty about the insurance and occupational plans your employees should have. For all health insurers, the collective discount on basic insurance increases to 5% from 2020. Group insurance still has many advantages. You will not only benefit from a competitive discount, but also from additional refunds. Companies that are members of an employers` organisation affiliated to the Swedish Employers` Association are usually bound by a collective agreement. The collective agreement provides for the obligation to take out collective insurance and occupational pensions for workers. This also applies to companies that have concluded collective agreements with trade unions, local collective agreements (hängavtal in Swedish). For employees, you pay insurance and occupational pensions at Fora, for employees, you work at both Fora and Collectum. Would you like to become a member of an employers` organisation belonging to the Swedish Association of Entrepreneurs? Members of the Swedish Association of Entrepreneurs pay less than half for vocational accommodation insurance as companies that have local collective agreements. Companies that do not have collective agreements can enter into insurance contracts with Fora. If the company has concluded a local collective agreement with a trade union affiliated to the Swedish Trade Union Confederation, it must conclude an insurance contract with Fora. This means that the employer must take out insurance for all active employees.

In this case, employees are also covered by workers` compensation insurance (TFA), which is part of the insurance contract with Fora. It depends on the group insurance. Please contact our customer service for more information. If your new employer also offers group insurance, you can switch to that group. Contact our customer service. The cost of insurance and occupational pensions is the same for companies that are members of an employers` organisation as it is for companies that have a local collective agreement, with one exception. The premium for workers` work-related accommodation insurance and adjustment agreements for employees are higher for companies that have concluded local collective agreements. You can change insurers if you have group health insurance with us and if your new employer has group health insurance elsewhere. In November, we will inform you of the specific agreements applicable to your group health insurance or affiliated organization. You can change from the 1st of the month following your request. This is the case if you want to switch from individual health insurance to group health insurance with your current insurer.

If this is not the case, you can change from 1 January. A local collective agreement means that an employer has entered into a collective agreement with a union. This usually means that as an employer, you need to take out group insurance for your employees. Our guide will help you make the right decisions that make the insurance guesses. Occupational pension plans and insurance are one of the most common and important benefits you can offer your employees as an employer. If your company has entered into a local collective agreement with a union affiliated to the Bargaining and Cooperation Council (PTK), it enters into an insurance contract with Fora and a retirement contract with Collectum for employees. . . .

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