Avtalsförsäkring

Avtalsförsäkring refers to insurance that is agreed upon through collective bargaining between employers and employee organizations, primarily in Sweden. These agreements are typically established by industry-specific collective labor agreements. The purpose of avtalsförsäkring is to provide a safety net for employees in various situations, supplementing the general social insurance system provided by the state.

These insurance policies often cover a range of benefits. Common types include occupational injury insurance (yrkesskadeförsäkring), which provides compensation if an employee is injured or becomes ill due to their work. Another significant component is occupational pension insurance (tjänstepensionsförsäkring), designed to supplement the state pension and provide individuals with a more comfortable retirement. Life insurance (livförsäkring) and income protection insurance (inkomstförsäkring), which offers financial support if an employee loses their job, are also frequently included.

The funding for avtalsförsäkringar is typically shared between employers and sometimes employees, depending on the specific collective agreement. Employers are generally responsible for paying the premiums. The administration of these insurances is often handled by separate insurance companies or foundations established by the social partners. Avtalsförsäkring plays a crucial role in the Swedish labor market by enhancing employee security and contributing to a stable and predictable working environment.