the swedish pension system - presentation for senior citizen · the swedish pension system -...

Private pension

Occupational pension

National public pensionIncome Pension

Premium Pension

The full picture

32014-02-25LO-UTBILDNING 2011

Born 1954

New system

• Income pension

• Premium pension

Born 1937

Old system

•Supplementary pension

Born 1938-1953

•Supplementary pension

•Income pension

•Premium pension

Guaranteed pension

National Public pension

National public pension

Salary

Social insurance benefits

You choose for your premium pension

The state handles your income pension

18,5 %

2,5 %

16 %

7,5 income-related base amount = 426 756 SEK/year = 35 563 SEK/month

52014-02-25

The orange envelope

AP7Såfa – for those who do not want to choose funds themselves

AP7 Fixed Income Fund

AP7 Equity Fund

0-55years

0%

100%

56years

3%

97%

60years

15%

85%

65years

35%

65%

70years

50%

50%

75years

65%

35%

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-1% -2% -4% -5%

The fund fees

112014-02-25

-10% -18% -26% -33%

The fund fees

To apply for pension

• Everyone must apply• Apply 6 months before• Apply with electronic ID

When?

• Income pension/supplementary pension: from 61 years• Premium pension: from 61 years• Guaranteed pension: from 65 years

Sickness compensation ends the month before you turn 65

Decide how

• 25, 50, 75 or 100 percent of benefit• Work and pension at the same time,

check the terms and conditions for your occupational pension

• Change amount or stop pension

Premium pension• Fund insurance or conventional insurance• Survivor benefit

Living Abroad

• Income pension, supplementary pension and premium pension to all countries

• Guaranteed pension to EU/EES, Switzerland and Canada• Inform the Swedish Pensions Agency of your current

address and account number• Do not forget to inform us if you move to another address

or country• Life certificate every year

162014-02-25

Interpreting Services

Interpreting Services in English are available on Fridays at 12.00-14.00.

Phone number 0771-776 801

Visit

• Co-operated Service Offices:

www.pensionsmyndigheten.se/servicekontor

Important for your pension

• Work full time

• Start to work at an early age

• Work as long as possible

• Don’t accept a work without social benefits

• You have to apply for your pension

Contact

www.pensionsmyndigheten.se

0771 – 776 776

Pensionsmyndigheten

106 44 Stockholm