Sample Insurance For Fora AB, SE Stockholm Application

Transcription

1 Fora AB, SE Stockholm Application for insurance for employees Enclosed please find the application documents for collective insurances. In the enclosed material you can read about insurance and the conditions that apply when signing an insurance agreement. As soon as you have sent your application and we have registered it, we will send you an insurance confirmation and invoice. When does the insurance come into force? If you are not bound by a collective agreement, the insurance comes into force on the date we receive your application. If you have a collective agreement on behalf of your employees, your insurance will be applicable from the date on which the collective agreement comes into force. Would you like to find out more? Fora is commissioned by insurance companies, foundations and mutual funds to administrate insurance agreements, invoicing and reporting and provide general information about the insurance. If you have any questions, please phone Customer Service at You can also search for information, ask questions or order forms at our website at. Kind regards, Fora AB See more overleaf

2 Fora AB, SE Stockholm, Sweden Telephone: CIN: Premium rates for 2015 Premiums are calculated as a percentage of the annual payroll amount you specify on your registration form. Wageearners Salaried employees AFA Insurances Group Sickness Insurance (AGS) 0,00 Supplementary Parental Benefit Insurance (FPT) 0,00 Group Life Insurance (TGL) 0,00 Work Injury Insurance (TFA) 0,01 0,01 Career Readjustment Insurance 1) Severance Pay Insurance (AGB) 0,15 Career Readjustment Support - Member companies of the Confederation of Swedish Enterprise 0,15 - Companies with local collective agreements 0,45 - Member companies of other employer s associations that were previously covered by Trygghetsfonden SAF-LO 0,17 - Member companies of other employer s associations that were not previously covered by Trygghetsfonden SAF-LO 0,17 SAF-LO Collective Pension Insurance 2) - Wage components up to 435,750 SEK (7.5 income base amounts) 4,50 - Wage components above 435,750 SEK (7.5 income base amounts) 30,00 3) Waiver of Premium Insurance 0,00 1) Career Readjustment Insurance normally applies to employers with collective agreements and includes Severance Pay Insurance (AGB) and Career Readjustment Support. If there is no collective agreement, only AGB will normally apply. 2) The premium is used to calculate special payroll tax on pension costs. The tax rate for 2015 is 24.26%. 3) In 2015 employers will only pay 3.80%. The remaining 0.70% of the premium will be paid by the surplus in the capital that guarantees the old STP defined benefit pension plan. Read more at. The minimum premium for 2015 is 450 SEK. This premium also applies to employers with no employees. Collectively agreed fees will also be added to the invoice. Your collective agreement specifies the fees you must pay.

3 Application for collective insurance Fora AB, SE Stockholm Corporate ID no Employer s name and address Agreement no. Please send the form to: Fora AB, SE STOCKHOLM or fax to The insurance agreement covers the following types of insurance: Group Health Insurance (AGS) SAF-LO Collective Pension Insurance Collective Redundancy Insurance, AGB (for companies without collective agreements) Career Readjustment Insurance, AGB and Career Readjustment Assistance (normally for companies with collective agreements) Supplementary Parental Benefit Insurance, FPT Occupational Group Life Insurance, TGL Work Injury Insurance, TFA Manual workers are covered by all insurance schemes. Non-manual workers are covered by TFA. The insurance agreement is concluded when Fora AB has sent insurance confirmation. The agreement normally takes effect and premiums become payable on the date on which the collective agreement comes into force. 1. Details about your association and collective agreement Member of employers association (state name of association) Membership no, Confederation of Swedish Enterprise: Date of agreement (yr, mth, day) Collective agreement for manual workers affiliated to (state name of union) Collective agreement for non-manual workers affiliated to (state name of union) Specify collective agreement Specify collective agreement Date of agreement (yr, mth, day) Date of agreement (yr, mth, day) 2. Details of company Corp. ID no./national reg. no: (for partnerships, see Guide) Start of operations (yr, mth, day) Line of business 3. Details of employees Manual workers employed as of (yr, mth, day): No manual workers: Non-manual workers employed as of (yr, mth, day): No non-manual workers: Other information 4. Estimated payroll expense for 2015, from date of sending application until year-end Basis for calculating of preliminary premiums/charges. Manual workers born 1950 or later SEK All manual workers. Total of salary portions up to SEK 333,750 (7.5 x BPA) SEK Manual workers born : Total of salary portions up to SEK 435,750 (7.5 x IBA) SEK Manual workers born : Total of salary portions over SEK 435,750 (7.5 x IBA) SEK Non-manual workers born 1950 or later SEK All non-manual workers except employed President SEK Signature The undersigned employer hereby concludes the collective insurance agreement. Date Authorized signatory: Contact person: Telephone no. (including area code) Name in block capitals Fora s comments

4 Manual workers 2015 Fora AB, SE Stockholm Corporate ID no Employer s name and address Agreement no. Appendix to Application for collective insurance 5. List of employed manual workers born in 1950 or later Please fill in the names and national registration numbers of manual workers employed with you. Non-manual workers, self-employed or contract personnel should not be included on the list. Manual workers born before 1950 can also be included in the report, if agreed with the employer. National reg. no. (yr, mth, day, no.) Last name and first name

5 List of manual workers (contd.) National reg. no. (yr, mth, day, no.) Last name and first name

6 Fora AB, SE Stockholm Registration of Main Administrator for Your Account for login with e-identification Please use this form to register the company representative who is to be Main Administrator for Your Account at 1. Information about the company Company name Corporate Identity Number 2. Information about the Main Administrator Alternative 1: Personal identity number (yyyymmdd-xxxx) for users of personal e-identification from bank or Telia Alternative 2: Service identification number for users of e-service identification from Steria First name Last name Daytime telephone number 3. Signature By signing this registration, I confirm that I am an authorized signatory or have approval from an authorized signatory to register a main administrator for Your Account at Date Signature of authorized representative Printed name Frequently Asked Questions Why do we need a main administrator? In order for you to be given access to Your Account at, you need to register the person who is to act as main administrator and specify the e-identification that person is to use to login. You administer your agreements with Fora via Your Account, e.g. report preliminary and final salaries. Who can be main administrator? The main administrator can be a company employee or can be an external representative for example, a person working at an accountancy firm or similar, who administers your company s agreements with Fora on your behalf, can act as main administrator. When selecting the main administrator, it is important to bear in mind that this individual has ultimate responsibility for the company s administration of the insurance agreement with Fora, including payroll reporting. What can a main administrator do? Perform all tasks on My Account, e.g. salary reporting Add a new main administrator Add additional people authorized to administer your agreements on Your Account

7 Fora AB, SE Stockholm Guide 1. Details of association/ collective agreement If the company is a member of an employers association or has signed a collective agreement with a trade union, please specify the details here. Other comments may be added in the Other information section. If your collective agreement is implemented retroactively for more than three months, please specify the details here. Collective agreement Specify which collective agreement applies to you. If in doubt, contact your employers association or trade union. Examples of collective agreements include Engineers Agreement or Forgers Agreement. Fora needs this information in order to invoice collective agreement charges. Important: If your company has a collective agreement, please enclose a copy with your insurance application. 2. Details about the company s line of business National registration/corporate ID number Fill in the company s Corporate ID number. If the company is not a legal entity, state the national registration number. The VAT registration does not need to be given. For partnerships - fill in the national registration number of the partner signing the application. List the names and national registration numbers of other partners in the Other information section. Company s start of operations If the company has recently been taken over from another employer, state the details in the Other information section. You must also state the name, address and Corporate ID number of the former employer, as well as the date on which the business was taken over. Line of business Describe the company s primary line of business. The description should make clear whether it is a manufacturing, wholesaling or retailing company. 3. Details about employees Manual or non-manual workers Specify the earliest date from which you have had manual or non-manual workers. In order to calculate premiums and collective agreement charges accurately, we need to know whether the company has manual, non-manual workers and an employed president. If you are unsure if a certain employee qualifies as a manual or non-manual worker, please contact Fora. 4. Estimated payroll expense Collective agreement If a collective agreement was signed in the current year, you should calculate the payroll expense from the start date of your collective agreement. If the collective agreement has been in force since the previous year or earlier, the payroll expense for the whole current year should be specified. If there is no collective agreement, specify the total payroll expense on the date on which you send the form. What to include in the payroll expense Enter the gross estimated payroll expense for all employees, including hourly-paid employees, temporary employees and temporary replacement employees. The payroll totals must include salaries for all employees up to the year in which they reach the age of 65. You should include the gross salaries plus the value of free meals/accommodation. Gross salaries include all salaries paid during the year, including overtime pay, holiday compensation, holiday pay and sick pay. Salaries should be specified after deductions for home computers. See more overleaf

8 5. List of employed manual workers born 1950 or later Personal details of manual workers should be included on a separate attachment. Manual workers born before 1950 can also be included in the report if agreed with the employer. Insurance for the self-employed Self-employed people and their spouse/registered partners who are actively involved in the business can take out their own insurance agreement, which may include AGS, TGL and/or SAF-LO Collective Pension. This requires the existence of a collective insurance agreement for the employees. Please specify on the insurance application form if you would like us to send you information and application forms. Self-employed people are: All owners of companies that are not legal entities or trading partnerships The general partner of a limited partnership In limited liability companies: shareholders whose holdings separately or jointly with shares held by their spouse/registered partner, parent(s) or child(ren) amount to at least one-third of the shares in the company. Payroll expenses should also include: * Salaries of employees receiving employment assistance or salary contributions. State the full amount of the salary, including the portion for which the employer receives a contribution. * Salaries of home-based employees, employees serving abroad and self-employed people s partners if employed by the company. * Salary of company president if not selfemployed. A president qualifies as a salaried employee depending on the tasks performed. In the retail sector, a president always qualifies as a salaried employee if he/she is not self-employed. * Holiday pay that is paid to employees via the holiday fund. This applies to employers in the sheet metal industry. * Money paid to a working hours account if the employee has elected to take his/her money in cash or as paid leave. Do not include: * Salaries of trainees. * Salaries of self-employed persons and their spouse/registered partner who is actively involved in the business. * Salaries of unemployed people on a workplace introduction scheme or participants in a vocational development (ALU) projects. * Cost allowances and other taxable benefits such as per diems, subsidized meals, company cars and fees. * Severance pay additional to salaries paid during the period of notice. * Contract workers.