Compensation for illness — ITP disability pension

If you suffer from a long-term illness or disability, you can receive compensation from your occupational pension. This benefit is referred to as ITP disability pension and is paid out by Alecta.

ITP 1 and ITP 2 disability pension

Disability pension primarily works in the same way for both ITP 1 and ITP 2, but certain aspects, such as the waiver of premium insurance, are a little different depending on whether you have ITP 1 or ITP 2.

When can you receive disability pension?

Disability pension from Alecta complements the compensation you receive from the Swedish Social Insurance Agency from the 91st day of sick leave onwards.

You can receive disability pension if you are over 18 and have an employer who pays premiums to an ITP occupational pension, and if:

you have been ill for over 90 consecutive days, or 105 non-consecutive days within a one year period
you have been signed off work part-time (at least 25 per cent sick leave)
you are receiving compensation from the Swedish Social Insurance Agency, in the form of sickness benefit, rehabilitation benefit, sickness or activity compensation.

If you participate in a Labour market programme and receive activity compensation from the Swedish Social Insurance Agency, you do not have the right to receive disability pension from Alecta.

What happens when you fall ill

Your employer sends a notification to Collectum from the 91st day of sick leave. Collectum, in turn, notifies us.
You receive a letter from us. In the letter there is information about whether or not, you are entitled to disability pension, and how much you will receive if you meet the requirements.
If you are entitled to disability pension, we pay you directly.

We need your account details

If you are entitled to disability pension payments, we need to know which bank account to use for the payment of your benefits. You can notify us of your bank details directly on Mina sidor (My pages).

If your sick leave is extended

If your compensation from the Swedish Social Insurance Agency is extended or changed, we will receive a notification from them. We process this information and we will make the payment of the compensation as soon as we have received the information from them. You will receive your payment at the end of the month, around the 30th.

Good to know

Your employer reports the notification of illness.
We will receive information concerning your sick leave directly from the Swedish Social Insurance Agency, so you do not need to send your medical certificates to us.
Please provide us with your account details, so that we can ensure that your compensation is paid into the correct account.

COMPENSATION FROM DIFFERENT ORGANISATIONS WHEN YOU ARE ILL

Sick leave day	Compensation	Who pays?
1 - 14	Sick pay	Employer
15 - 90	Sick pay Sickness benefit ITP Disability pension*	Employer The Swedish Social Insurance Agency Alecta
91 - 360	Sickness benefit ITP Disability pension	The Swedish Social Insurance Agency Alecta
361 - until the age of 66	Sickness benefit ITP Disability pension**	The Swedish Social Insurance Agency Alecta
If the Swedish Social Insurance Agency assesses that you will never be able to work full-time - at most until the age of 66	Sickness or activity compensation ITP Disability pension	The Swedish Social Insurance Agency Alecta

*Disability pension payments can begin from day 15, if you have previously been ill and are no longer receiving sick pay from your employer.
**ITP disability pension will only continue to be paid from day 361, if your annual salary exceeds 588,000 SEK (10 income base amounts, year 2025).

The amount of your disability pension

How much disability pension you will receive and for how long is linked to your salary and what the Swedish Social Insurance Agency pays.

The annual salaries in the table apply to the year 2025. If you became ill earlier, your disability pension was calculated based on the salary and annual salary levels that applied the year you became ill.

Your annual income	Disability pension
	Sick leave day 91*-360	From sick leave day 361
Up to SEK 588,000	10%	0%
Portion of salary between SEK 588,000 and SEK 1,612,000	65%	65%
Portion of salary between SEK 1,612,000 and SEK 2,418,000	32,5%	32,5%
Portion of salary over 2,418,000	-	-

*Compensation is provided from day 91 if you have been sick for more than 90 consecutive days, or from day 106 if you have been sick for more than 105 days in total during different periods within a year.

For those entitled to occupational pensions ITP, Tele or ITP, Bemanning

Disability pension for ITP Tele (Telia employees) or ITP Bemanning (staffing workers) generally works in the same way as ITP 2 Disability pension with the following exceptions:

ITP 2 Disability pension, ITP Tele: if you receive daily sickness allowance from the Swedish Social Insurance Agency, you only receive disability pension from Alecta for the portion of your annual income over SEK 588,000.
ITP 2 Disability pension, ITP Bemanning: paid if you have worked a minimum of 416 hours in the year, or 218 hours in the last 6 months, before you fell ill. The salary your employer reports to Collectum is also calculated in a different manner.

The benefit ceases or is lowered after one year

Once you have been on sick leave for 360 days, your disability pension from Alecta ceases for the portion of your annual income which is under SEK 588,000. If you salary is higher, for example your annual income is above SEK 588,000, Alecta continues to pay disability pension on the portion above the threshold.

If you terminate your employment while on sick leave

If you terminate your employment during the time you receive disability pension from us, you will still be eligible for a disability pension, just as you were before you terminated your employment.

However, you won’t be entitled to an increased disability pension if you have ITP 1, for example, if you were to get 75 per cent compensation instead of 50 per cent from the Swedish Social Insurance Agency. Different rules apply if it has been more than three months since you terminated your last insurance contract.

If you fall ill after you have terminated your employment

If you fall ill within three months of terminating your employment, you can send a notification of illness yourself. Post-employment cover is included which may make you entitled to a disability pension.

Request a statement from the Swedish Social Insurance Agency specifying your periods of illness and send it to us.
We will investigate whether you are entitled to a disability pension and will get back to you with the decision.

If you fall ill after you have turned 66

You may be entitled to compensation if you become ill after turning 66, provided that

you are unemployed and covered by ITP 1 disability pension
you receive sickness benefit from the Swedish Social Insurance Agency
you have been ill for more than 90 days.

If you are on a salary exchange scheme, your disability pension will be calculated based on the salary you have after the exchange.

Sickness or activity compensation and work-related injuries
Occupational pension premiums during illness
www.ersattningskollen.se — see the total amount you will receive from your employer, the Social Insurance Office and Alecta if you fall ill