Your savings

When you are a government sector employee you belong to the occupational pension agreement PA 16. This agreement means that you become a member of the Kåpan Pensioner insurance society 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 section of the PA 16 occupational pension agreement you belong to. If you were born in 1988 or later, you belong to Section I. If your date of birth is before 1988, you normally belong to Section II.

Born 1988 or later, Section I

Kåpan Tjänste – complementary retirement pension

Kåpan Tjänste is a mandatory component where your employer pays in the equivalent of 2% 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. If your employer has signed a local collective agreement, the extra premium goes to this. From the age of 61 at the earliest you can withdraw this pension for life or for a limited period of at least five years.

Kåpan Valbar – elective pension

In addition to the mandatory component, you have an elective component that amounts to 2.5% of your salary on salary components up to 7.5 income base amounts and corresponds to 20% on salary components in excess of 7.5 income base amounts. You are free to choose which insurance provider should manage your money. If you choose us, this component is placed in Kåpan Valbar. From the age of 61 at the earliest you can withdraw your pension for life or for a limited period of at least 10 years.

If you do not make a choice of insurer

If you do not make an active choice of insurer for the elective pension your money will be managed by us in Kåpan Valbar.

Kåpan Flex

Your employer pays in the equivalent of 1.5% of your salary to Kåpan Flex. From the age of 61 at the earliest, you can withdraw this pension for life or for a limited period of at least one year.

Born before 1988, Section II

Kåpan Tjänste – complementary retirement pension

Your employer pays the equivalent of 2% of your salary to Kåpan Tjänste. Kåpan Tjänste is paid out automatically from the age of 65 and for five years. You can choose to withdraw this pension after, and in some circumstances before, you reach the age of 65. You can choose to withdraw your pension for a longer period and in exceptional circumstances for a shorter period.

Kåpan Valbar – elective pension

Your employer pays the equivalent of 2.5% of your salary to an elective component. You can choose which insurance provider should manage your money. If you choose us, the money is invested in Kåpan Valbar. Kåpan Valbar is paid out automatically from the age of 65 and for life. You can choose to withdraw this pension later and under certain circumstances earlier than 65, but no earlier than 61. The pension can only be withdrawn for a shorter period before the age of 65.

If you do not make a choice of insurer

If you do not make an active choice of insurer for the elective pension your money will be managed by us in Kåpan Valbar.

Kåpan Extra – locally agreed occupational pension

If your employer has signed a local collective agreement, the extra premium is invested in Kåpan Extra. Kåpan Extra is paid out automatically from the age of 65 and for five years. You can choose to withdraw this pension later, and under certain circumstances earlier, than 65 but no earlier than 61. You can choose to withdraw this pension for a longer period and in exceptional circumstances for a shorter period.

Kåpan Plus – your own choice for private pension savings

Kåpan Plus is a private pension. It is no longer possible to start a new saving in Kåpan Plus. If you already have savings in Kåpan Plus, the money will remain with us until you decide to retire.

Living abroad or moving abroad

If you live abroad or if you are moving abroad and have a pension in Kåpan Pensioner, there are some things that you should keep in mind.

Read more at SPV's website