With an occupational pension from Alecta, you can feel secure throughout your entire life.
With an occupational pension you receive a complete package, providing security both during, and after, your working life. You employer pays the contributions. All you have to do is have an enjoyable work life and receive your salary.
To receive an ITP occupational pension you need to work as a salaried employee in the private sector, or work in a workplace with a collective agreement.
The occupational pension is a complete package and you do not actually need to do anything at all unless you want to. There are a few things you can do if you would like to customise/Anpassa your occupational pension so it suits you a bit better, such as add extra financial coverage for your survivors.
*If your employer has chosen to sign up for an ITP 1 occupational pension for all employees, you may have an ITP 1 occupational pension, even if you were born in 1978 or earlier, instead of ITP 2. If your annual income is over SEK 625,000, you may have come to an agreement with your employer to have an ITP 1 occupational pension instead of ITP 2.
Your occupational pension makes up a significant part of your whole pension. For many of us, our occupational pension can be as much as a third of our total pension.
|ITP 1 Retirement pension||ITP 2 Retirement pension||ITPK|
|Depends on the size of the pension capital when you retire.||A certain percentage of your salary.||Depends on the size of the pension capital when you retire.|
|The amount paid in
|A certain percentage of your salary.||As much as is needed so that you get the amount decided in the agreement.||A certain percentage of your salary.|
|How your pension can be paid out
|From 65 and for the rest of your life. You may also choose another payment period.||From 65 and for the rest of your life. You may also choose another payment period.||From 65 and for the rest of your life. You may also choose another payment period.|
If you suffer from a long-term illness or disability you can receive compensation from your occupational pension. The benefit is called ITP disability pension and is paid out by Alecta. Your employer sends the notification of illness — you do not need to do anything.
If you are over 18 and have an employer who contributes to an ITP occupational pension, and if:
How much disability pension you receive and for how long is linked to your salary and the compensation you receive from the Social Insurance Office.
Your occupational pension can also help your family financially should you die as the plan provides survivor´s protection. A certain degree of protection is included, and you can also choose to add more.
Find out what you need to know about occupational pensions in only four minutes.