Avtalsförsäkringar

Avtalsförsäkringar, or collective agreement insurance, are insurance policies that are collectively agreed upon, typically between an employer and a union or through a collective bargaining agreement. These insurances are not mandatory by law for individual employers but are common in many industries in Sweden, especially those with strong union presence.

The purpose of avtalsförsäkringar is to provide additional social security benefits to employees beyond what is offered by the state. They often cover various risks that can affect an individual's ability to work or earn a living. Common types of avtalsförsäkringar include those that provide income replacement in case of illness, injury, or unemployment, as well as life insurance and supplementary retirement pensions.

These insurance schemes are financed through contributions, usually paid by the employer, and sometimes by the employee, as stipulated in the collective agreement. The specific terms, coverage, and benefits of avtalsförsäkringar can vary significantly depending on the industry, the specific collective agreement in place, and the insurance providers involved. They are managed by specific organizations or foundations established by the social partners (employers' organizations and trade unions).

When an employee is affected by an event covered by an avtalsförsäkring, such as prolonged sickness or permanent disability, they can claim benefits from the respective insurance. The administration and claims process are handled according to the rules set out in the agreement and by the managing insurance entity. These insurances play a crucial role in the Swedish welfare system by supplementing statutory social insurance and providing a safety net for employees.