Your savings

When you are a government employee you belong to the PA 16 occupational pension agreement. This agreement means that you become a member of  Kåpan Government Employees Pension Fund as a result of your employer paying money towards your occupational pension. All our insurance products are defined contribution. This means that the total amount of contributions paid and the return we can offer you determine the size of the pension you will receive from us.

Your occupational pension varies a little depending on which occupational pension agreement you belong to. If you were born in 1988 or later, you belong to Section 1 in PA 16. If your date of birth is before 1988, you normally belong to Section 2 in PA 16. If you ended your government employment before 2003, you belong to the occupational pension agreement in PA-91.

Born 1988 or later, Section 1 in PA 16

Kåpan Tjänste

Your employer pays in the equivalent of 2 percent on salary components up to 7.5 income base amounts and the equivalent of 10% on salary components in excess of 7.5 income base amounts.

You can withdraw your pension at earliest from the same age as for the national retirement pension, today this is age 62. You can withdraw Kåpan Tjänste for life or for a limited period of 5 to 20 years.

Kåpan Valbar

There is also an elective component where you are free to choose which insurance provider should manage your money. If you choose us, this component is placed in Kåpan Valbar and even if you do not make an active choice you will have your money managed by us. For this component, your employer pays in the equivalent of 2,5 percent on salary components up to 7.5 income base amounts and the equivalent of 20% on salary components in excess of 7.5 income base amounts.

If you choose to exchange some of your salary for pension, the extra premium is placed in this insurance.

You can withdraw your pension at earliest from the same age as for the national retirement pension, today this is age 62. You can withdraw Kåpan Valbar for life or for a limited period of 10 to 20 years.

Kåpan Flex

Your employer pays 1.5 percent of your salary to Kåpan Flex. If your employer has signed a local collective agreement then the extra premium is also placed here.

You can withdraw your pension at earliest from the same age as for the national retirement pension, today this is age 62. You can withdraw Kåpan Tjänste for life or for a limited period of 1 to 20 years.

Born before 1988, Section 2 in PA 16

Kåpan Tjänste

Your employer pays in 2% of your salary to Kåpan Tjänste.

You can withdraw your pension at earliest from the age 61. You can withdraw Kåpan Tjänste for life or for a limited period of 5 to 20 years.

Kåpan Valbar

There is also an elective component where you are free to choose which insurance provider should manage your money. If you choose us, this component is placed in Kåpan Valbar and even if you do not make an active choice you will have your money managed by us. For this component, your employer pays in 2.5% of your salary. 

If you choose to exchange some of your salary for pension, the extra premium is placed in this insurance.

You can withdraw your pension at earliest from the age 61. You can withdraw Kåpan Valbar for life or for a limited period of 10 to 20 years.

Kåpan Extra – if you have a local collective agreement

If you are in Section 2 and your employer has signed a local collective agreement, the extra premium is invested in Kåpan Extra.

You can withdraw your pension at earliest from the age 61. You can withdraw Kåpan Extra for life or for a limited period of 5 to 20 years.

Government employee before 2003, PA-91

Kåpan Tjänste

You can not add repaymetcover on Kåpan Tjänste.

You can withdraw your pension at earliest from the age 55. You can withdraw Kåpan Tjänste for life or for a limited period of 5 to 20 years.

Kåpan Extra – if you have a local collective agreement

If your employer signed a local collective agreement or if you choosed to exchange some of your salary for pension, the extra premium was placed in this insurance.

You can withdraw your pension at earliest from the age 55. You can withdraw Kåpan Extra for life or for a limited period of 5 to 20 years.

You can chose repayment cover

Having a repayment cover on your pension insurance means that your surviving dependents (husband, wife, and children) continue to receive your pension payments in the event of your death. It also means that your own pension will be lower. If you do not make an active choice, your insurance will not include repayment cover.

Read more about repayment cover

You add or remove your repayment cover by filling out our form.

Add repayment cover (pdf, new window)
Remove repayment cover (pdf, new window)

Our fees are low

Every year, we charge a fixed fee of SEK 6 per insurance and a fee of 0.06 percent of your pension capital. Our asset management cost is 0.04 percent. The cost is not included in the fee but affects the insurance's change in value.

Our fees

Varible cost: 0.1 %

Fixed fee: SEK 6

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