{"id":30860,"date":"2020-07-09T15:44:53","date_gmt":"2020-07-09T13:44:53","guid":{"rendered":"https:\/\/www.almega.se\/?p=30860"},"modified":"2022-03-28T09:20:55","modified_gmt":"2022-03-28T07:20:55","slug":"pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-for-2020","status":"publish","type":"post","link":"https:\/\/www.almega.se\/2020\/07\/pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-for-2020\/","title":{"rendered":"Pensioner och f\u00f6rs\u00e4kringar: Avgifter, avtal och lagstiftning f\u00f6r 2020"},"content":{"rendered":"\n

Vi har sammanst\u00e4llt vad som kommer att debiteras f\u00f6retagen \u00e5r 2020 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

P\u00e5 grund av Covid-19 och det os\u00e4kra l\u00e4get har vi avvaktat med detta utskick till nu. Vissa av de lagstadgade sociala avgifterna har tillf\u00e4lligtvis \u00e4ndrats. Vi h\u00e4nvisar till Skatteverket f\u00f6r mer info avseende detta.<\/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 2020 utg\u00f6r 501 000 kronor, det vill s\u00e4ga 41 750 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 2020<\/li>\n<\/ol>\n

     <\/p>\n

      \n
    1. Lagstadgade sociala kostnader f\u00f6r anst\u00e4llda (<\/strong>f\u00f6dda 1955 och senare) i %<\/strong><\/li>\n<\/ol>\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 f\u00f6dda 1938 \u2013 1954 ska arbetsgivaren ist\u00e4llet f\u00f6r ovanst\u00e5ende betala en avgift om totalt 10,21 procent. F\u00f6r f\u00f6dda 1937 och tidigare betalas inga arbetsgivaravgifter.<\/p>\n

      2. Avgifter f\u00f6r egenf\u00f6retagare (f\u00f6dda 1955 och senare) i %<\/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>\n\u00a0 3,64*<\/strong><\/td>\n<\/tr>\n
      F\u00f6r\u00e4ldraf\u00f6rs\u00e4kringsavgift<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,60<\/td>\n<\/tr>\n
      Efterlevandepensionsavgift<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0,60<\/td>\n<\/tr>\n
      Arbetsskadeavgift<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0,20<\/td>\n<\/tr>\n
      Arbetsmarknadsavgift<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 0,10<\/td>\n<\/tr>\n
      Allm\u00e4n l\u00f6neavgift<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 11,62<\/td>\n<\/tr>\n
      Totalt<\/strong><\/td>\n\u00a028,97<\/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 1954 betalas 10,21 procent i egenavgifter.<\/p>\n

      3. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r arbetare i %<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
      Omst\u00e4llningsf\u00f6rs\u00e4kring <\/strong><\/td>\n0,0772<\/td>\n*<\/td>\n\u00a0(moms motsvarande 0,019 tillkommer)<\/td>\n<\/tr>\n
      AGB<\/strong><\/p>\n

      AGS<\/strong><\/td>\n

      		0,1455<\/p>\n

      0,00<\/td>\n

      		 <\/p>\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**\/30,00***<\/td>\n<\/td>\n<\/tr>\n
      <\/td>\n<\/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>\n4,6827 <\/strong><\/td>\n**** <\/strong><\/td>\n(om samtliga l\u00f6ner understiger 7,5 inkomstbasbelopp)<\/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 % \u00d6vriga f\u00f6retag med s\u00e5 kallade h\u00e4ngavtal (kollektivavtal tecknat direkt med ett fackf\u00f6rbund) betalar 0,3772 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 1,10 % p\u00e5 pensionspremien.<\/p>\n

      ***** Reducerad premie under 2020.<\/p>\n

      4. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP 1 i %<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n
      <\/td>\nL\u00f6n upp till 41 750 kr\/m\u00e5n<\/strong><\/td>\nL\u00f6n \u00f6ver 41 750 kr\/m\u00e5n<\/strong><\/td>\n<\/tr>\n
      \u2013 \u00c5lderspension*<\/td>\n4,50<\/td>\n30,00<\/td>\n<\/tr>\n
      \u2013 Premiebefrielse<\/td>\n0,11<\/td>\n1,19<\/td>\n<\/tr>\n
      \u2013 Sjukf\u00f6rs\u00e4kring**<\/td>\n0,09<\/td>\n0,47<\/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>\n4,88<\/strong><\/td>\n31,69<\/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.<\/p>\n

      ** Premien 0,09 procent betalas p\u00e5 l\u00f6nedelar upp till 29 563 kronor per m\u00e5nad (7,5 prisbasbelopp). Premien 0,47 procent betalas p\u00e5 l\u00f6nedel mellan 29 563 kronor per m\u00e5nad och 167 000 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 2020. 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 1,2 % respektive 7,6 % p\u00e5 pensionspremien p\u00e5 l\u00f6nedelar under respektive \u00f6ver 7,5 inkomstbasbelopp.<\/p>\n

      5. Avgifter till avtalsf\u00f6rs\u00e4kringar f\u00f6r tj\u00e4nstem\u00e4n ITP 2 i %<\/strong><\/p>\n\n\n\n\n\n\n\n
      ITP<\/td>\ncirka 15,1 % *<\/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 15,28 % **** \/ *****<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      * Prognos f\u00f6r den genomsnittliga ITP-kostnaden f\u00f6r ITP 2 under 2020.<\/p>\n

      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 0,7 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 2020.<\/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 2020. 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 3,3 % p\u00e5 pensionspremien.<\/p>\n

      6. Avgifter till Flexpension 2020<\/strong><\/p>\n

      Avs\u00e4ttningen till Flexpension \u00e4r fn 0,4 procent p\u00e5 pensionsmedf\u00f6rande l\u00f6n.
      \nEftersom kollektivavtalen prolongerats med sju m\u00e5nader ska inte n\u00e5gon h\u00f6jning av Flexpensionen ske nu utan tidigast fr\u00e5n det att nya avtal tecknats i h\u00f6st. Ny information avseende Flexpensionen kommer d\u00e5 skickas ut.<\/p>\n

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

      Ytterligare information l\u00e4mnas av Finfa \u2013 F\u00f6rs\u00e4kringsinformation f\u00f6r arbetsgivare<\/a>, tel +4610 45 53 800.\n","protected":false},"excerpt":{"rendered":"

      Vi har sammanst\u00e4llt vad som kommer att debiteras f\u00f6retagen \u00e5r 2020 f\u00f6r de \u00e5taganden som f\u00f6ljer av lag och avtal p\u00e5 den privata arbetsmarknaden vad avser pensioner och f\u00f6rs\u00e4kringar. P\u00e5 grund av Covid-19 och det 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