{"id":5973,"date":"2016-02-01T15:00:00","date_gmt":"2016-02-01T15:00:00","guid":{"rendered":"http:\/\/almega-bento\/wp\/blog\/2016\/02\/01\/pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-for-2016\/"},"modified":"2016-02-01T15:00:00","modified_gmt":"2016-02-01T15:00:00","slug":"pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-for-2016","status":"publish","type":"post","link":"https:\/\/www.almega.se\/2016\/02\/pensioner-och-forsakringar-avgifter-avtal-och-lagstiftning-for-2016\/","title":{"rendered":"Pensioner och f\u00f6rs\u00e4kringar \u2013 avgifter, avtal och lagstiftning f\u00f6r 2016"},"content":{"rendered":"\n<p>Vi har sammanst&auml;llt vad som kommer att debiteras f&ouml;retagen &aring;r 2016 f&ouml;r de &aring;taganden som f&ouml;ljer av lag och avtal p&aring; den privata arbetsmarknaden vad avser pensioner och f&ouml;rs&auml;kringar.<\/p>\n<p>Observera att kostnaden f&ouml;r avtalsf&ouml;rs&auml;kringar m&aring;ste ses som prelimin&auml;ra d&aring; de varierar mellan olika f&ouml;retag, till exempel p&aring; grund av hur stor del av den totala l&ouml;nesumman som avser l&ouml;nedelar under respektive &ouml;ver 7,5 inkomstbasbelopp, som f&ouml;r 2016 utg&ouml;r 444 750 kronor, det vill s&auml;ga 37 063 kronor per m&aring;nad.<\/p>\n<p>Sammanst&auml;llningen omfattar:<\/p>\n<p>A. Lagstadgade sociala kostnader f&ouml;r anst&auml;llda<\/p>\n<p>B. Avgifter f&ouml;r egenf&ouml;retagare<\/p>\n<p>C. Avgifter till avtalsf&ouml;rs&auml;kringar f&ouml;r arbetare<\/p>\n<p>D. Avgifter till avtalsf&ouml;rs&auml;kringar f&ouml;r tj&auml;nstem&auml;n ITP1<\/p>\n<p>E. Avgifter till avtalsf&ouml;rs&auml;kringar f&ouml;r tj&auml;nstem&auml;n ITP2<\/p>\n<p><strong>A. Lagstadgade sociala kostnader f&ouml;r anst&auml;llda<\/strong><\/p>\n<p>&Aring;lderspensionsavgift 10,21 %<br \/>  Sjukf&ouml;rs&auml;kringsavgift 4, 85 %<br \/>  F&ouml;r&auml;ldraf&ouml;rs&auml;kringsavgift 2,60 %<br \/>  Efterlevandepensionsavgift 1,17 %<br \/>  Arbetsskadeavgift 0,30 %<br \/>  Arbetsmarknadsavgift 2,64 %<br \/>  Allm&auml;n l&ouml;neavgift 9,65 %<br \/>  <strong>Totalt 31,42 %<\/strong><\/p>\n<p>F&ouml;r anst&auml;llda som inte fyllt 26 &aring;r den 1 januari 2016 &auml;r den lagstadgade avgiften 25,46 t.o.m. maj m&aring;nad 2016 och 31,42 procent f&ouml;r tid d&auml;refter. F&ouml;r arbetstagare som &auml;r f&ouml;dda 1938 till och med 1950 ska arbetsgivaren betala en avgift om totalt 16,36 procent (= &aring;lderspensionsavgiften och den s&auml;rskilda l&ouml;neskatten). F&ouml;r f&ouml;dda 1937 och tidigare betalas 6,15 procent i s&auml;rskild l&ouml;neskatt.<\/p>\n<p><strong>B. Avgifter f&ouml;r egenf&ouml;retagare<\/strong><\/p>\n<p>&Aring;lderspensionsavgift 10,21 %<br \/>  Sjukf&ouml;rs&auml;kringsavgift 4,94 %*<br \/>  F&ouml;r&auml;ldraf&ouml;rs&auml;kringsavgift 2,60 %<br \/>  Efterlevandepensionsavgift 1,17 %<br \/>  Arbetsskadeavgift 0,30 %<br \/>  Arbetsmarknadsavgift 0,10 %<br \/>  Allm&auml;n l&ouml;neavgift 9,65 %<br \/>  <strong>Totalt 28,97 %*<\/strong><\/p>\n<p>*Avgiften avser den som valt sju karensdagar vid sjukdom, vilket &auml;r det som g&auml;ller automatiskt om inget annat val har gjorts aktivt. Som egenf&ouml;retagare kan man ist&auml;llet v&auml;lja en, fjorton, trettio, sextio alternativt nittio karensdagar och f&aring;r d&aring; en l&auml;gre avgift (med undantag f&ouml;r om en karensdag v&auml;ljs, d&aring; avgiften blir h&ouml;gre, 5,32 procent). Under karenstiden utges ingen sjukpenning.<\/p>\n<p>F&ouml;r personer f&ouml;dda 1938 till och med 1950 betalas 16,36 procent i egenavgifter<br \/>  (= &aring;lderspensionsavgiften och den s&auml;rskilda l&ouml;neskatten). Detta g&auml;ller &auml;ven om egenf&ouml;retagaren &auml;r under 65 &aring;r men tagit ut hel &aring;lderspension (fr&aring;n och med 2011 kr&auml;vs &auml;ven helt uttag av premiepensionen) under hela inkomst&aring;ret. Om egenf&ouml;retagaren haft hel sjukers&auml;ttning\/aktivitetsers&auml;ttning under n&aring;gon del av &aring;ret betalas 10,21 procent (= &aring;lderspensionsavgiften).<br \/>  Egenf&ouml;retagare som inte fyllt 26 &aring;r 1 januari 2016 och inte heller beg&auml;rt s&auml;rskilda karensdagar, betalar 25,46 procent t o m maj m&aring;nad 2016 och 28,97 procent f&ouml;r tid d&auml;refter.<br \/>  Bedrivs passiv n&auml;ringsverksamhet betalas ist&auml;llet s&auml;rskild l&ouml;neskatt som i normalfallet uppg&aring;r till 24,26 procent av underlaget.<br \/>  Personer f&ouml;dda 1937 och tidigare, betalar inte egenavgifter, men s&auml;rskild l&ouml;neskatt med 6,15 procent f&ouml;r aktivt bedriven n&auml;ringsverksamhet.<\/p>\n<p><strong>C. Avgifter till avtalsf&ouml;rs&auml;kringar f&ouml;r arbetare<\/strong><\/p>\n<p>Omst&auml;llningsf&ouml;rs&auml;kring 0,30 %* (AGB 0,1455 % respektive TSL 0,1545 %)<br \/>  AGS 0,00 % *****<br \/>  Avtalspension SAF-LO<br \/>  &ndash; Pensionspremie 4,25%**\/30,00 %***<br \/>  &ndash; Premiebefrielsef&ouml;rs&auml;kring 0,00 % *****<br \/>  TFA 0,01 %<br \/>  TGL 0,00 % *****<br \/>  FPT F&ouml;rs&auml;kring om f&ouml;r&auml;ldrapenningtill&auml;gg 0,00 % *****<br \/>  <strong>Totalt 4,56 %<\/strong>**** (om samtliga l&ouml;ner understiger 7,5 inkomstbasbelopp, det vill s&auml;ga 444&nbsp;750 kronor under 2016). F&ouml;r l&ouml;ner som &ouml;verstiger 444&nbsp;750 kronor &auml;r premieuttaget 30,01 procent.<\/p>\n<p>* Premien avser f&ouml;retag som &auml;r medlemmar i Almega\/Svenskt N&auml;ringsliv. &Ouml;vriga f&ouml;retag med s&aring; kallade h&auml;ngavtal (kollektivavtal tecknat direkt med ett fackf&ouml;rbund) betalar 0,60 procent.<br \/>  ** Tas ut fr&aring;n 25 &aring;rs &aring;lder p&aring; l&ouml;nedelen upp till 7,5 inkomstbasbelopp. Respektive f&ouml;rs&auml;kring tillf&ouml;rs 4,50 procent under det att arbetsgivaren faktureras 4,25 procent. Mellanskillnaden finansieras enligt f&ouml;ljande: N&auml;r den tidigare pensionsplanen STP, som g&auml;llde f&ouml;r arbetare fram till och med 1995, avvecklades kom Svenskt N&auml;ringsliv och LO &ouml;verens om att eventuellt &ouml;verskott i f&ouml;rs&auml;kringen ska &aring;terbetalas till arbetsgivarna. Det &ouml;verskott som nu finns har parterna beslutat ska anv&auml;ndas till att betala 0,25 procentenhet av premien till Avtalspension SAF-LO p&aring; l&ouml;nedelar upp till 7,5 inkomstbasbelopp. Detta inneb&auml;r en besparing f&ouml;r f&ouml;retagen om cirka 1 miljard kronor.<br \/>  ***Tas ut fr&aring;n 25 &aring;rs &aring;lder p&aring; l&ouml;nedelen &ouml;ver 7,5 inkomstbasbelopp.<br \/>  ****L&ouml;neskatt tillkommer med cirka 1,10 procent.<br \/>  ***** Reducerad premie under 2016.<\/p>\n<p><strong>D. Avgifter till avtalsf&ouml;rs&auml;kringar f&ouml;r tj&auml;nstem&auml;n ITP1<\/strong><\/p>\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <strong>L&ouml;n under&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;L&ouml;n &ouml;ver&nbsp;<\/strong><br \/>  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<strong>37&nbsp;063 kr\/m&aring;n&nbsp;<\/strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<strong>37&nbsp;063 kr\/m&aring;n&nbsp; <\/strong><br \/>  &#8211; &Aring;lderspension*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,50 %&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,00 %<br \/>  &#8211; Premiebefrielse**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,10 %&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,638 %<br \/>  &#8211; Sjukf&ouml;rs&auml;kring**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,068 %&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,373 %<br \/>  &#8211; TGL***&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,15 %&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;0,00 %<br \/>  &#8211; TFA (AFA)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,03 %&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,03 %<br \/>  &#8211; Trygghetsr&aring;det****&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,30 %&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0,30 %&nbsp;<br \/>  <strong>Totalt*****&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,148 %&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp; 31,341 %<\/strong><\/p>\n<p>ITP 1 omfattar alla tj&auml;nstem&auml;n som &auml;r f&ouml;dda 1979 och senare samt i vissa fall &auml;ven tj&auml;nstem&auml;n f&ouml;dda 1978 och tidigare. F&ouml;r att tj&auml;nsteman f&ouml;dd 1978 eller tidigare ska f&aring; omfattas av den nya ITP-planen, ITP 1, kr&auml;vs att f&ouml;retaget f&aring;tt s&auml;rskilt godk&auml;nnande att till&auml;mpa ITP 1 f&ouml;r samtliga tj&auml;nstem&auml;n oavsett f&ouml;delse&aring;r. Ett s&aring;dant godk&auml;nnande l&auml;mnas av Collectum, som p&aring; uppdrag av de centrala f&ouml;rbundsparterna utf&ouml;r pr&ouml;vningen av f&ouml;retagens ans&ouml;kan om pensioneringsavtal.<\/p>\n<p>* Premien betalas fr&aring;n och med m&aring;naden tj&auml;nstemannen fyller 25 &aring;r.<br \/>  ** Till f&ouml;ljd av mycket god ekonomi i f&ouml;rs&auml;kringsbolaget Alecta bibeh&aring;lls premiereduktionen med 75 procent ocks&aring; under 2016 f&ouml;r s&aring;v&auml;l premiebefrielsen som sjukf&ouml;rs&auml;kringen. Premiereduktionerna inneb&auml;r under 2016 att f&ouml;retagens kostnader minskar med ca 3,5 miljarder kronor. Premien 0,068 procent betalas p&aring; l&ouml;nedelen upp till 27 688 kronor per m&aring;nad (7,5 prisbasbelopp). Premien 0,373 procent betalas p&aring; l&ouml;nedelen mellan 27 688 kronor per m&aring;nad och 148 250 kronor per m&aring;nad (30 inkomstbasbelopp).<br \/>  *** 43 kronor per m&aring;nad motsvarar 0,15 procent av tj&auml;nstem&auml;nnens l&ouml;nesumma. OBS! Premien varierar mellan 30-51 kr\/m&aring;n beroende p&aring; arbetsgivarens val av f&ouml;rs&auml;kringsbolag.<br \/>  ****Avgiften avser f&ouml;retag som &auml;r medlemmar i Almega\/Svenskt N&auml;ringsliv. &Ouml;vriga f&ouml;retag med s&aring; kallade h&auml;ngavtal (kollektivavtal tecknat direkt med ett fackf&ouml;rbund) betalar 0,7 procent.<br \/>  *****L&ouml;neskatt tillkommer med cirka 1,2 respektive 7,5 procent p&aring; l&ouml;nedel under respektive &ouml;ver 7,5 inkomstbasbelopp.<\/p>\n<p><strong>E. Avgifter till avtalsf&ouml;rs&auml;kringar f&ouml;r tj&auml;nstem&auml;n ITP2<\/strong><\/p>\n<p>ITP cirka 13,41 % *<br \/>  TGL cirka 0,15 %**<br \/>  TFA (AFA-f&ouml;rs&auml;kring) 0,03 %<br \/>  Trygghetsr&aring;det 0,30 %***<br \/>  <strong>Totalt cirka 13,89 %<\/strong> ****\/*****<\/p>\n<p>* Prognos f&ouml;r den genomsnittliga ITP-kostnaden under 2016 f&ouml;r ITP 2 exklusive eventuella lokala l&ouml;nef&ouml;r&auml;ndringar (den gamla f&ouml;rm&aring;nsbest&auml;mda ITP-planen som avser de flesta tj&auml;nstem&auml;n som &auml;r f&ouml;dda 1978 eller tidigare). OBS! Stora avvikelser f&ouml;rekommer s&aring;v&auml;l p&aring; individ- som f&ouml;retagsniv&aring;. En l&ouml;nef&ouml;r&auml;ndring om 1 procent ger cirka 0,55 procents f&ouml;r&auml;ndring av ITP-kostnaden.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br \/>  ** 43 kronor per m&aring;nad vilket motsvarar cirka 0,15 procent av tj&auml;nstem&auml;nnens l&ouml;nesumma. OBS! Premien varierar mellan 30-51 kronor beroende p&aring; arbetsgivarens val av f&ouml;rs&auml;kringsbolag.<br \/>  *** Avgiften avser f&ouml;retag som &auml;r medlemmar i Almega\/Svenskt N&auml;ringsliv. &Ouml;vriga f&ouml;retag med s&aring; kallade h&auml;ngavtal (kollektivavtal tecknat direkt med ett fackf&ouml;rbund) betalar 0,7 procent.<br \/>  ****Totalkostnaden inkluderar kostnaden f&ouml;r sjukpension samt premiebefrielse vid sjukdom.<br \/>  *****L&ouml;neskatt tillkommer med cirka 3,1 procent.<\/p>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vi har sammanst&auml;llt vad som kommer att debiteras f&ouml;retagen &aring;r 2016 f&ouml;r de &aring;taganden som f&ouml;ljer av lag och avtal p&aring; den privata arbetsmarknaden vad avser pensioner och f&ouml;rs&auml;kringar. Observera att kostnaden f&ouml;r avtalsf&ouml;rs&auml;kringar m&aring;ste 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