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Pensions

Retirement

You will reach your pensionable age on the final day of the month before your 65th birthday, and your employer will then cease to make payments to your occupational pension. However, you are entitled to retain your employment until (and including) the month of your 67th birthday. It may also be possible for you to continue to work beyond the age of 67. Talk to your manager to find out which options are available to you.

When you are ready to retire, you must submit a form in order to terminate your employment. The university will then ensure that your occupational pension begins to be paid out to you from the date on which you start your retirement. You will also need to submit applications in order to begin receiving payments from your other pensions. You must submit the form for termination at least four months before your desired date of retirement. This form must be signed by both you and your manager and sent to the payroll coordinator. You can find the form here.

Your pension

Your total pension will consist of three parts:

The occupational pension

As a state employee, you receive an occupational pension that consists of multiple parts, in accordance with the pensions agreement PA 16. Different conditions apply to those born in or after 1988 (PA 16, Section 1) and those born before 1988 (PA 16, Section 2). This is a complement to the public pension to which everyone is entitled.

If you were born before 1988

Individual old-age pension

You earn in to this pension from the age of 23 until you reach pensionable age. Your employer makes a monthly contribution which corresponds to 2.3% of your paid salary. If you wish, you are able to choose your own trustee (from among a number of insurance companies) to administer this part of the pension on your behalf.

Supplementary old-age pension – Kåpan

You earn in to Kåpan from the age of 28 until you reach pensionable age. Your employer makes a contribution to Kåpan that is equivalent to 2% of your salary. This contribution is managed by Försäkringsföreningen för det statliga området (FSO).

Defined benefit pension

A defined benefit pension means that employees with an annual salary that corresponds to at least 7.5 times the income base amount will receive a certain guaranteed pension. The pension equates to approximately 60% of the average salary corresponding to between 7.5 and 20 times the income base amount for the last five years prior to retirement. Employees born between 1943 and 1972 also have, in accordance with transitional regulations, a defined benefit old-age pension for incomes below the base amount threshold.

If you were born in or after 1988

Old-age pension, optional

Your employer allocates the equivalent of 2.5% of your salary up to 7.5 times the income base amount, as well as 20% of your salary that exceeds 7.5 times the income base amount, from your first working day, regardless of your age. If you so wish, you are able to choose your own trustee (from among a number of insurance companies) to administer this part of the pension on your behalf.

Old-age pension, obligatory

Your employer allocates the equivalent of 2% of your salary up to 7.5 times the income base amount, as well as 10% of your salary that exceeds 7.5 times the income base amount, from your first working day, regardless of your age. This money is administered by Kåpan pensions.

Old-age pension, flex

Your employer allocates the equivalent of 1.5% of your salary from your first working day, regardless of your age. This money is administered by Kåpan pensions. This part of your pension can be used, for example, to subsidise a reduction in working hours as you approach retirement.

Find out more about the conditions for your occupational pension