{"id":15386,"date":"2018-01-29T08:35:28","date_gmt":"2018-01-29T07:35:28","guid":{"rendered":"https:\/\/www.almega.se\/?p=15386"},"modified":"2022-03-28T09:54:54","modified_gmt":"2022-03-28T07:54:54","slug":"pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-2018","status":"publish","type":"post","link":"https:\/\/www.almega.se\/2018\/01\/pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-2018\/","title":{"rendered":"Pensioner och f\u00f6rs\u00e4kringar \u2013 avgifter, avtal och lagstiftning f\u00f6r 2018"},"content":{"rendered":"\n

Vi har sammanst\u00e4llt vad som kommer att debiteras f\u00f6retagen \u00e5r 2018 f\u00f6r de \u00e5taganden som f\u00f6ljer av lag och avtal p\u00e5 den privata arbetsmarknaden vad avser pensioner och f\u00f6rs\u00e4kringar.<\/p>\n

Observera att kostnaden f\u00f6r avtalsf\u00f6rs\u00e4kringar m\u00e5ste ses som prelimin\u00e4ra d\u00e5 de varierar mellan olika f\u00f6retag till exempel p\u00e5 grund av hur stor del av den totala l\u00f6nesumman som avser l\u00f6nedelar under respektive \u00f6ver 7,5 inkomstbasbelopp, som f\u00f6r 2018 utg\u00f6r 468 750 kronor, det vill s\u00e4ga 39 063 kronor per m\u00e5nad.<\/p>\n

Inneh\u00e5ll:<\/p>\n

    \n
  1. Lagstadgade sociala kostnader f\u00f6r anst\u00e4llda<\/li>\n
  2. Avgifter f\u00f6r egenf\u00f6retagare<\/li>\n
  3. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r arbetare<\/li>\n
  4. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP1<\/li>\n
  5. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP2<\/li>\n<\/ol>\n

     <\/p>\n

    A. Lagstadgade sociala kostnader f\u00f6r anst\u00e4llda (f\u00f6dda 1953 och senare)<\/h2>\n\n\n\n\n\n\n\n\n\n\n
    \u00c5lderspensionsavgift<\/td>\n10,21 %<\/td>\n<\/tr>\n
    Sjukf\u00f6rs\u00e4kringsavgift<\/td>\n4,35 %<\/td>\n<\/tr>\n
    F\u00f6r\u00e4ldraf\u00f6rs\u00e4kringsavgift<\/td>\n2,60 %<\/td>\n<\/tr>\n
    Efterlevandepensionsavgift<\/td>\n0,70 %<\/td>\n<\/tr>\n
    Arbetsskadeavgift<\/td>\n0,20 %<\/td>\n<\/tr>\n
    Arbetsmarknadsavgift<\/td>\n2,64 %<\/td>\n<\/tr>\n
    Allm\u00e4n l\u00f6neavgift<\/td>\n10,72 %<\/td>\n<\/tr>\n
    Totalt<\/strong><\/td>\n31,42 %<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    F\u00f6r arbetstagare som \u00e4r f\u00f6dda 1938 till och med 1952 ska arbetsgivaren ist\u00e4llet f\u00f6r ovanst\u00e5ende betala en avgift om totalt 16,36 procent. F\u00f6r f\u00f6dda 1937 och tidigare betalas arbetsgivaravgift om 6,15 procent.<\/p>\n

     <\/p>\n

    B. Avgifter f\u00f6r egenf\u00f6retagare<\/h2>\n\n\n\n\n\n\n\n\n\n\n
    \u00c5lderspensionsavgift<\/td>\n10,21 %<\/td>\n<\/tr>\n
    Sjukf\u00f6rs\u00e4kringsavgift<\/td>\n4,44 %\u00a0*<\/strong><\/td>\n<\/tr>\n
    F\u00f6r\u00e4ldraf\u00f6rs\u00e4kringsavgift<\/td>\n2,60 %<\/td>\n<\/tr>\n
    Efterlevandepensionsavgift<\/td>\n0,70 %<\/td>\n<\/tr>\n
    Arbetsskadeavgift<\/td>\n0,20 %<\/td>\n<\/tr>\n
    Arbetsmarknadsavgift<\/td>\n0,10 %<\/td>\n<\/tr>\n
    Allm\u00e4n l\u00f6neavgift<\/td>\n10,72 %<\/td>\n<\/tr>\n
    Totalt<\/strong><\/td>\n28,97 %<\/strong>\u00a0*<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    * Avgiften avser den som valt sju karensdagar vid sjukdom, vilket \u00e4r det som g\u00e4ller automatiskt om inget annat val har gjorts aktivt. Som egenf\u00f6retagare kan man ist\u00e4llet v\u00e4lja en, fjorton, trettio, sextio alternativt nittio karensdagar och f\u00e5r d\u00e5 en l\u00e4gre avgift (med undantag f\u00f6r om en karensdag v\u00e4ljs, d\u00e5 avgiften blir h\u00f6gre, 4,80 procent). Under karenstiden utges ingen sjukpenning.<\/p>\n

    F\u00f6r personer f\u00f6dda 1938 till och med 1952 betalas 16,36 procent i egenavgifter. Detta g\u00e4ller \u00e4ven om egenf\u00f6retagaren \u00e4r under 65 \u00e5r men tagit ut hel \u00e5lderspension (fr\u00e5n och med 2011 kr\u00e4vs \u00e4ven helt uttag av premiepensionen) under hela inkomst\u00e5ret. Om egenf\u00f6retagaren haft hel sjukers\u00e4ttning\/aktivitetsers\u00e4ttning under n\u00e5gon del av \u00e5ret betalas 10,21 procent (= \u00e5lderspensionsavgiften).<\/p>\n

    Bedrivs passiv n\u00e4ringsverksamhet betalas ist\u00e4llet s\u00e4rskild l\u00f6neskatt som i normalfallet uppg\u00e5r till 24,26 procent av underlaget.<\/p>\n

    Egenf\u00f6retagare f\u00f6dda 1937 och tidigare betalar egenavgifter om 6,15 procent.<\/p>\n

    \u00a0<\/strong><\/p>\n

    C. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r arbetare<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n
    Omst\u00e4llningsf\u00f6rs\u00e4kring <\/strong><\/td>\n0,30 %<\/td>\n*<\/td>\n\u00a0(moms motsvarande 0,039 % tillkommer)<\/td>\n<\/tr>\n
    AGS<\/strong><\/td>\n0,00 %<\/td>\n*****<\/td>\n<\/td>\n<\/tr>\n
    Avtalspension SAF-LO<\/strong><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
    – Pensionspremie <\/em><\/td>\n4,30 %<\/td>\n**<\/td>\n<\/td>\n<\/tr>\n
    <\/td>\n30,00 %<\/td>\n***<\/td>\n<\/td>\n<\/tr>\n
    – Premiebefrielsef\u00f6rs\u00e4kring<\/em><\/td>\n0,00 %<\/td>\n*****<\/td>\n<\/td>\n<\/tr>\n
    TFA<\/strong><\/td>\n0,01 %<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
    TGL<\/strong><\/td>\n0,10 %<\/td>\n*****<\/td>\n<\/td>\n<\/tr>\n
    FPT F\u00f6rs\u00e4kring om f\u00f6r\u00e4ldrapenningtill\u00e4gg<\/strong><\/td>\n0,00 %<\/td>\n*****<\/td>\n<\/td>\n<\/tr>\n
    Totalt<\/strong><\/td>\n4,71 %<\/strong><\/td>\n**** <\/strong><\/td>\n(om samtliga l\u00f6ner understiger 7,5 inkomstbasbelopp, det vill s\u00e4ga 468\u00a0750 kronor under 2018.
    \nF\u00f6r l\u00f6ner som \u00f6verstiger 468\u00a0750 kronor \u00e4r premieuttaget 30,01 procent).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    * Premien avser f\u00f6retag som \u00e4r medlemmar i Almega\/Svenskt N\u00e4ringsliv. \u00d6vriga f\u00f6retag med s\u00e5 kallade h\u00e4ngavtal (kollektivavtal tecknat direkt med ett fackf\u00f6rbund) betalar 0,60 procent.<\/p>\n

    ** Tas ut fr\u00e5n 25 \u00e5rs \u00e5lder p\u00e5 l\u00f6nedelen upp till 7,5 inkomstbasbelopp. Respektive f\u00f6rs\u00e4kring tillf\u00f6rs 4,50 procent under det att arbetsgivaren faktureras 4,30 procent. Mellanskillnaden finansieras enligt f\u00f6ljande: N\u00e4r den tidigare pensionsplanen STP, som g\u00e4llde f\u00f6r arbetare fram till och med 1995, avvecklades, kom Svenskt N\u00e4ringsliv och LO \u00f6verens om att eventuellt \u00f6verskott i f\u00f6rs\u00e4kringen ska \u00e5terbetalas till arbetsgivarna. Det \u00f6verskott som nu finns har parterna beslutat ska anv\u00e4ndas till att betala 0,20 procentenhet av premien till Avtalspension SAF-LO p\u00e5 l\u00f6nedelar upp till 7,5 inkomstbasbelopp. Detta inneb\u00e4r en besparing f\u00f6r f\u00f6retagen om cirka 800 miljoner kronor.<\/p>\n

    *** Tas ut fr\u00e5n 25 \u00e5rs \u00e5lder p\u00e5 l\u00f6nedelen \u00f6ver 7,5 inkomstbasbelopp.<\/p>\n

    **** L\u00f6neskatt tillkommer med cirka 1,10 procent p\u00e5 l\u00f6nedelen upp till 7,5 inkomstbasbelopp.<\/p>\n

    ***** Reducerad premie under 2018.<\/p>\n

     <\/p>\n

    D.\u00a0\u00a0 Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP1<\/h2>\n\n\n\n\n\n\n\n\n\n\n
    <\/td>\nL\u00f6n under 39\u00a0062 kr\/m\u00e5n<\/strong><\/td>\nL\u00f6n \u00f6ver 39\u00a0062 kr\/m\u00e5n<\/strong><\/td>\n<\/tr>\n
    – \u00c5lderspension*<\/td>\n4,50 %<\/td>\n30,00 %<\/td>\n<\/tr>\n
    – Premiebefrielse<\/td>\n0,123 %<\/td>\n1,036 %<\/td>\n<\/tr>\n
    – Sjukf\u00f6rs\u00e4kring**<\/td>\n0,133 %<\/td>\n0,49 %<\/td>\n<\/tr>\n
    – TGL***<\/td>\n0,15 %<\/td>\n0,00 %<\/td>\n<\/tr>\n
    – TFA (AFA)<\/td>\n0,03 %<\/td>\n0,03 %<\/td>\n<\/tr>\n
    – Trygghetsr\u00e5det****<\/td>\n0,30 %<\/td>\n0,30 %<\/td>\n<\/tr>\n
    Totalt*****\u00a0<\/strong><\/td>\n5,236 %\u00a0\u00a0\u00a0\u00a0<\/strong><\/td>\n31,856 %<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    ITP 1 omfattar alla tj\u00e4nstem\u00e4n som \u00e4r f\u00f6dda 1979 och senare samt i vissa fall \u00e4ven tj\u00e4nstem\u00e4n f\u00f6dda 1978 och tidigare. F\u00f6r att tj\u00e4nsteman f\u00f6dd 1978 eller tidigare ska f\u00e5 omfattas av den nya ITP-planen, ITP 1, kr\u00e4vs att f\u00f6retaget f\u00e5tt s\u00e4rskilt godk\u00e4nnande att till\u00e4mpa ITP 1 f\u00f6r samtliga tj\u00e4nstem\u00e4n oavsett f\u00f6delse\u00e5r. F\u00f6r mer information om vad som kr\u00e4vs f\u00f6r s\u00e5dant tillst\u00e5nd kan kontakt tas med Svenskt N\u00e4ringsliv F\u00f6rs\u00e4kringsinformation (tfn 010-455 38 00).<\/p>\n

    * Premien betalas fr\u00e5n och med m\u00e5naden tj\u00e4nstemannen fyller 25 \u00e5r.<\/p>\n

    ** Premien 0,133 procent betalas p\u00e5 l\u00f6nedelen upp till 28 437 kronor per m\u00e5nad (7,5 prisbasbelopp). Premien 0,49 procent betalas p\u00e5 l\u00f6nedelen mellan 28 437 kronor per m\u00e5nad och 156 250 kronor per m\u00e5nad (30 inkomstbasbelopp).<\/p>\n

    *** 43 kronor per m\u00e5nad motsvarar 0,15 procent av tj\u00e4nstem\u00e4nnens l\u00f6nesumma. OBS! Premien varierar mellan 29-43 kr\/m\u00e5n beroende p\u00e5 arbetsgivarens val av f\u00f6rs\u00e4kringsbolag.<\/p>\n

    **** Avgiften avser f\u00f6retag som \u00e4r medlemmar i Almega\/Svenskt N\u00e4ringsliv. \u00d6vriga f\u00f6retag med s\u00e5 kallade h\u00e4ngavtal (kollektivavtal tecknat direkt med ett fackf\u00f6rbund) betalar 0,7 procent.<\/p>\n

    ***** L\u00f6neskatt tillkommer med cirka 1,2 respektive 7,5 procent p\u00e5 l\u00f6nedel under respektive \u00f6ver 7,5 inkomstbasbelopp.<\/p>\n

    \u00a0<\/strong><\/p>\n

    E.\u00a0\u00a0 Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP2<\/h2>\n\n\n\n\n\n\n\n
    ITP<\/td>\ncirka 14,1 % *<\/strong><\/td>\n<\/tr>\n
    TGL<\/td>\ncirka 0,15 % **<\/strong><\/td>\n<\/tr>\n
    TFA (AFA-f\u00f6rs\u00e4kring)<\/td>\n0,03 %<\/td>\n<\/tr>\n
    Trygghetsr\u00e5det<\/td>\n0,30 % ***<\/td>\n<\/tr>\n
    Totalt<\/strong><\/td>\ncirka 14,58 % **** \/ *****<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    \u00a0<\/strong><\/p>\n

    * Prognos f\u00f6r den genomsnittliga ITP-kostnaden under 2018 f\u00f6r ITP 2 exklusive eventuella lokala l\u00f6nef\u00f6r\u00e4ndringar (den gamla f\u00f6rm\u00e5nsbest\u00e4mda ITP-planen som avser de flesta tj\u00e4nstem\u00e4n som \u00e4r f\u00f6dda 1978 eller tidigare). OBS! Stora avvikelser f\u00f6rekommer s\u00e5v\u00e4l p\u00e5 individ- som f\u00f6retagsniv\u00e5. En l\u00f6nef\u00f6r\u00e4ndring om 1 procentenhet ger cirka 0,55 procents f\u00f6r\u00e4ndring av ITP-kostnaden.<\/p>\n

    ** 43 kronor per m\u00e5nad vilket motsvarar cirka 0,15 procent av tj\u00e4nstem\u00e4nnens l\u00f6nesumma. OBS! Premien varierar mellan 29-43 kronor beroende p\u00e5 arbetsgivarens val av f\u00f6rs\u00e4kringsbolag.<\/p>\n

    *** Avgiften avser f\u00f6retag som \u00e4r medlemmar i Almega\/Svenskt N\u00e4ringsliv. \u00d6vriga f\u00f6retag med s\u00e5 kallade h\u00e4ngavtal (kollektivavtal tecknat direkt med ett fackf\u00f6rbund) betalar 0,7 procent.<\/p>\n

    **** Totalkostnaden inkluderar kostnaden f\u00f6r sjukpension samt premiebefrielse vid sjukdom<\/p>\n

    ***** L\u00f6neskatt tillkommer med cirka 3,3 procent.<\/p>\n

     <\/p>\n

    Ytterligare information l\u00e4mnas av:<\/p>\n

    Per-Olof Ad\u00e9rian
    \n<\/strong>08-762 68 43<\/span><\/p>\n

    Hans O Andersson
    \n<\/strong>08-762 70 36<\/p>\n

    Louise Bjarnestam
    \n<\/strong>08-762 70 43<\/p>\n

    AnnEva Bomberg
    \n<\/strong>08-762 66 27<\/p>\n

    Svenskt N\u00e4ringsliv F\u00f6rs\u00e4kringsinformation
    \n010-455 38 00<\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    Vi har sammanst\u00e4llt vad som kommer att debiteras f\u00f6retagen \u00e5r 2018 f\u00f6r de \u00e5taganden som f\u00f6ljer av lag och avtal p\u00e5 den privata arbetsmarknaden vad avser pensioner och f\u00f6rs\u00e4kringar. Observera att kostnaden f\u00f6r avtalsf\u00f6rs\u00e4kringar m\u00e5ste 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