The Swedish Pension System - presentation for senior citizen · The Swedish Pension System -...
Transcript of The Swedish Pension System - presentation for senior citizen · The Swedish Pension System -...
Private pension
Occupational pension
National public pensionIncome Pension
Premium Pension
The full picture
32014-02-25LO-UTBILDNING 2011
Born 1954
New system
• Income pension
• Premium pension
Born 1937
Old system
•Supplementary pension
Born 1938-1953
•Supplementary pension
•Income pension
•Premium pension
Guaranteed pension
National Public pension
National public pension
Salary
Social insurance benefits
You choose for your premium pension
The state handles your income pension
18,5 %
2,5 %
16 %
7,5 income-related base amount = 426 756 SEK/year = 35 563 SEK/month
52014-02-25
The orange envelope
AP7Såfa – for those who do not want to choose funds themselves
AP7 Fixed Income Fund
AP7 Equity Fund
0-55years
0%
100%
56years
3%
97%
60years
15%
85%
65years
35%
65%
70years
50%
50%
75years
65%
35%
102014-02-25
-1% -2% -4% -5%
The fund fees
112014-02-25
-10% -18% -26% -33%
The fund fees
To apply for pension
• Everyone must apply• Apply 6 months before• Apply with electronic ID
When?
• Income pension/supplementary pension: from 61 years• Premium pension: from 61 years• Guaranteed pension: from 65 years
Sickness compensation ends the month before you turn 65
Decide how
• 25, 50, 75 or 100 percent of benefit• Work and pension at the same time,
check the terms and conditions for your occupational pension
• Change amount or stop pension
Premium pension• Fund insurance or conventional insurance• Survivor benefit
Living Abroad
• Income pension, supplementary pension and premium pension to all countries
• Guaranteed pension to EU/EES, Switzerland and Canada• Inform the Swedish Pensions Agency of your current
address and account number• Do not forget to inform us if you move to another address
or country• Life certificate every year
162014-02-25
Interpreting Services
Interpreting Services in English are available on Fridays at 12.00-14.00.
Phone number 0771-776 801
Visit
• Co-operated Service Offices:
www.pensionsmyndigheten.se/servicekontor
Important for your pension
• Work full time
• Start to work at an early age
• Work as long as possible
• Don’t accept a work without social benefits
• You have to apply for your pension
Contact
www.pensionsmyndigheten.se
0771 – 776 776
Pensionsmyndigheten
106 44 Stockholm