Pension
Employees at Mid Sweden University are covered by the government PA 16 pension agreement.
Pension payments – funds in addition to salary
It is easy to get an approximate idea of how much is paid into your pension each month. If you would like to know more, or wish to know how much you will receive one day, please see below.
Click, have a look, try it out!
Check how much is paid into your pension – each month (in Swedish)
Your state pension
For each year that you work and pay tax, you earn money on your state pension by means of the pension contributions that are paid in.
For more information about the state pension, see pensionsmyndigheten.se
Your occupational pension
As one of our employees, you are covered by the government PA 16 pension agreement. This means that we pay funds into your occupational pension every month. PA 16 is a collective agreement that was negotiated with the union organisations representing government employees (OFR/S,P,O, Saco-S, Seko) together with the Swedish Agency for Government Employers.
There are two sections to the occupational pension agreement. Generally, you will belong to Section I if you were born in 1988 or later, and Section II if you were born before 1988:
Understand your occupational pension – born earlier than 1988 (spv.se)
Understand your occupational pension – born on or later than 1988 (spv.se)
Log in and see your occupational pension
At spv.se, you are able to log in and see the different parts of your occupational pension, how much they are worth, and how they work.
Log in at spv.se to check your occupational pension (in Swedish)
Events in life that can affect your occupational pension
Sometimes, things happen in life that can affect your occupational pension. For example, you might start or end an employment, your family situation could change, or you might want to know more about a partial pension.
See spv.se for further information about events in life that can affect your occupational pension
Time for retirement
When you have decided that you would like to retire, there are a few things you need to keep in mind. For example, remember to inform your supervisor about your plans. It could also be a good idea to check your projection at minpension.se and think about how you would like to receive your pension.
Log in at minpension.se (in Swedish)
Before you apply
Your occupational pension consists of several different components. When and how you are able to receive your pension can vary.
See spv.se for more information about what you should bear in mind before you apply
How to apply
Each component of your occupational pension works a little differently.
- The elective component
- Your funds may be kept with various insurers. You apply for this component from the insurer that holds your money.
- How to apply for your elective component
- Kåpan Tjänste
- This component is managed by Kåpan Pensioner. Log in at kapan.se to choose from which age you would like to receive your funds and for how long.
- Log in and apply at kapan.se (in Swedish)
- The defined benefit component
- If you are entitled to the defined benefit component, the National Government Employee Pensions Board (SPV) will contact you about seven months before you reach retirement age and ask whether you plan to continue working or retire. If you would like to retire earlier and receive this component, you should contact SPV.
- See here for more information about how to apply for the defined benefit component
- Funds from the state pension and other employment
- Apart from the occupational pension from your government employment, you can receive pension funds from elsewhere:
- Apply for your state pension from the Swedish Pensions Agency (in Swedish).
- If you have been employed in the private, municipal or county council sector etc., you may also have an occupational pension from there. Contact those who manage your occupational pensions from your previous jobs for further information about how to apply.
- You may also have funds from your own savings. In order to receive these, contact those who manage your funds, such as your bank or an insurance company.
Check your entire pension at minpension.se (in Swedish)
Do you have any questions?
If you have any questions about your occupational pension, you are welcome to contact SPV (the National Government Employee Pensions Board) on 020-51 50 40 or at kundservice@spv.se.
If you have any questions about your state pension, you can contact the Swedish Pensions Agency on 0771-776 776 or send an email to their customer services.