{"id":21758,"date":"2019-01-28T15:44:45","date_gmt":"2019-01-28T14:44:45","guid":{"rendered":"https:\/\/www.almega.se\/?p=21758"},"modified":"2022-03-28T11:29:08","modified_gmt":"2022-03-28T09:29:08","slug":"pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-2019","status":"publish","type":"post","link":"https:\/\/www.almega.se\/2019\/01\/pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-2019\/","title":{"rendered":"Pensioner och f\u00f6rs\u00e4kringar \u2013 avgifter, avtal och lagstiftning f\u00f6r 2019"},"content":{"rendered":"\n

Vi har sammanst\u00e4llt vad som kommer att debiteras f\u00f6retagen \u00e5r 2019 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 varierar mellan olika f\u00f6retag 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 2019 utg\u00f6r 483 000 kronor, det vill s\u00e4ga 40 250 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
  6. Avgifter till flexpension 2019<\/li>\n<\/ol>\n

    1. Lagstadgade sociala kostnader f\u00f6r anst\u00e4llda (<\/strong>f\u00f6dda 1954 och senare)<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n
    \u00c5lderspensionsavgift<\/td>\n10,21 %<\/td>\n<\/tr>\n
    Sjukf\u00f6rs\u00e4kringsavgift<\/td>\n3,55 %<\/td>\n<\/tr>\n
    F\u00f6r\u00e4ldraf\u00f6rs\u00e4kringsavgift<\/td>\n2,60 %<\/td>\n<\/tr>\n
    Efterlevandepensionsavgift<\/td>\n0,60 %<\/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>\n11,62 %<\/td>\n<\/tr>\n
    Totalt<\/strong><\/td>\n31,42 %<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    F\u00f6r arbetstagare som fyllt 65 \u00e5r och \u00e4r f\u00f6dda 1938 \u2013 1953 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

    2. Avgifter f\u00f6r egenf\u00f6retagare<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n
    \u00c5lderspensionsavgift<\/td>\n10,21 %<\/td>\n<\/tr>\n
    Sjukf\u00f6rs\u00e4kringsavgift<\/td>\n3,64 %\u00a0*<\/strong><\/td>\n<\/tr>\n
    F\u00f6r\u00e4ldraf\u00f6rs\u00e4kringsavgift<\/td>\n2,60 %<\/td>\n<\/tr>\n
    Efterlevandepensionsavgift<\/td>\n0,60 %<\/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>\n11,62 %<\/td>\n<\/tr>\n
    Totalt<\/strong><\/td>\n28,97 %<\/strong>\u00a0*<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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 annan avgift. Under karenstiden utges ingen sjukpenning.<\/p>\n

    F\u00f6r personer f\u00f6dda 1938 \u2013 1953 betalas 16,36 procent i egenavgifter.<\/p>\n

    3. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r arbetare<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
    Omst\u00e4llningsf\u00f6rs\u00e4kring <\/strong><\/td>\n0,0773 %<\/td>\n*<\/td>\n\u00a0(moms med 25 % tillkommer p\u00e5 beloppet)<\/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
    \u2013 Pensionspremie <\/em><\/td>\n4,30 %<\/td>\n**<\/td>\n<\/td>\n<\/tr>\n
    <\/td>\n30,00 %<\/td>\n***<\/td>\n<\/td>\n<\/tr>\n
    \u2013 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>\n0,15 %<\/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>\n4,54 %<\/strong><\/td>\n**** <\/strong><\/td>\n(om samtliga l\u00f6ner understiger 7,5 inkomstbasbelopp, det vill s\u00e4ga 483 000 kronor under 2019. F\u00f6r l\u00f6ner som \u00f6verstiger 483 000 kronor \u00e4r premieuttaget 30,01 %).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    * Premien avser f\u00f6retag som \u00e4r medlemmar i Almega\/Svenskt N\u00e4ringsliv. Ordinarie premie \u00e4r 0,3 % men under 2019 \u00e4r premien reducerad med 0,2227 %. \u00d6vriga f\u00f6retag med s\u00e5 kallade h\u00e4ngavtal (kollektivavtal tecknat direkt med ett fackf\u00f6rbund) betalar 0,3773 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.<\/p>\n

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

    **** L\u00f6neskatt tillkommer med 24,26% p\u00e5 pensionspremien.<\/p>\n

    ***** Reducerad premie under 2019.<\/p>\n

    4. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP1<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n
    <\/td>\nL\u00f6n upp till 40 250 kr\/m\u00e5n<\/strong><\/td>\nL\u00f6n \u00f6ver 40 250 kr\/m\u00e5n<\/strong><\/td>\n<\/tr>\n
    \u2013 \u00c5lderspension*<\/td>\n4,50 %<\/td>\n30,00 %<\/td>\n<\/tr>\n
    \u2013 Premiebefrielse<\/td>\n0,12 %<\/td>\n1,194 %<\/td>\n<\/tr>\n
    \u2013 Sjukf\u00f6rs\u00e4kring**<\/td>\n0,12 %<\/td>\n0,51 %<\/td>\n<\/tr>\n
    \u2013 TGL***<\/td>\n0,15 %<\/td>\n0,00 %<\/td>\n<\/tr>\n
    \u2013 TFA (AFA)<\/td>\n0,03 %<\/td>\n0,03 %<\/td>\n<\/tr>\n
    \u2013 Trygghetsr\u00e5det****<\/td>\n0,00 %<\/td>\n0,00 %<\/td>\n<\/tr>\n
    Totalt*****\u00a0<\/strong><\/td>\n4,92 %\u00a0\u00a0\u00a0\u00a0<\/strong><\/td>\n31,73 %<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    ITP 1 omfattar alla tj\u00e4nstem\u00e4n som \u00e4r f\u00f6dda 1979 och senare. ITP 1 kan \u00e4ven omfatta samtliga tj\u00e4nstem\u00e4n oavsett f\u00f6delse\u00e5r om f\u00f6retaget uppfyller villkoren f\u00f6r att f\u00e5 till\u00e4mpa enbart ITP 1. Kontakta Finfa (010-455 38 00) f\u00f6r mer information.<\/p>\n

    * Premien betalas fr\u00e5n och med m\u00e5naden tj\u00e4nstemannen fyller 25 \u00e5r och till och med m\u00e5naden innan tj\u00e4nstemannen fyller 65.<\/p>\n

    ** Premien 0,12 procent betalas p\u00e5 l\u00f6nedelen upp till 29 063 kronor per m\u00e5nad (7,5 prisbasbelopp). Premien 0,51 procent betalas p\u00e5 l\u00f6nedelen mellan 29 063 kronor per m\u00e5nad och 161 000 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 beroende p\u00e5 arbetsgivarens val av f\u00f6rs\u00e4kringsbolag.<\/p>\n

    **** Avgiften f\u00f6r f\u00f6retag som \u00e4r medlemmar i Almega\/Svenskt N\u00e4ringsliv \u00e4r normalt 0,3 % men p.g.a. att TRR \u00e4r v\u00e4lkonsoliderat tas ingen avgift ut f\u00f6r 2019. F\u00f6retag med s\u00e5 kallade h\u00e4ngavtal (kollektivavtal tecknat direkt med ett fackf\u00f6rbund) betalar 0,4 procent.<\/p>\n

    ***** L\u00f6neskatt tillkommer med 24,26% p\u00e5 pensionspremien.<\/p>\n

    5. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP2<\/strong><\/p>\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>\n0,00 % ***<\/td>\n<\/tr>\n
    Totalt<\/strong><\/td>\ncirka 14,28 % **** \/ *****<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    * Prognos f\u00f6r den genomsnittliga ITP-kostnaden f\u00f6r ITP 2 under 2018 (prognos f\u00f6r 2019 \u00e4r \u00e4nnu inte gjord). 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

    ** 0,15 % \u00e4r ett ber\u00e4knat genomsnitt, premien varierar beroende p\u00e5 arbetsgivarens val av f\u00f6rs\u00e4kringsbolag och kostar fr\u00e5n 25 kr upp till 43 kr per m\u00e5nad under 2019<\/p>\n

    *** Avgiften f\u00f6r f\u00f6retag som \u00e4r medlemmar i Almega\/Svenskt N\u00e4ringsliv \u00e4r normalt 0,3 % men p.g.a. att TRR \u00e4r v\u00e4lkonsoliderat tas ingen avgift ut f\u00f6r 2019. F\u00f6retag med s\u00e5 kallade h\u00e4ngavtal (kollektivavtal tecknat direkt med ett fackf\u00f6rbund) betalar 0,4 procent.<\/p>\n

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

    ***** L\u00f6neskatt tillkommer med 24,26% p\u00e5 pensionspremien.<\/p>\n

    6. Avgifter till flexpension 2019<\/strong><\/p>\n

    Ingen ytterligare avs\u00e4ttning g\u00f6rs till Flexpension i Tj\u00e4nstef\u00f6retag under 2019. Det betyder att premien f\u00f6r dem som inte avst\u00e5tt flexpension \u00e4r of\u00f6r\u00e4ndrad 0,4 %. L\u00f6neskatt tillkommer p\u00e5 premien med 24,26 %.<\/p>\n

    Ytterligare information l\u00e4mnas av:<\/h3>\n

    Finfa<\/a>, f\u00f6rs\u00e4kringsinformation f\u00f6r arbetsgivare (tel 010-455 38 00)<\/p>\n

    Almegas f\u00f6rs\u00e4kringsexperter, kontaktuppgifter till h\u00f6ger<\/p>\n","protected":false},"excerpt":{"rendered":"

    Vi har sammanst\u00e4llt vad som kommer att debiteras f\u00f6retagen \u00e5r 2019 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 varierar 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