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Retirement & Pension

Remote offers an optional pension plan for employees in Sweden, encompassing life, disability, waiver of premiums, and workplace accident insurance. This is fully funded by the company, with no contributions required from employees.

  • Occupational Pension Scheme in Sweden

    Pension Contributions:

    Option 1:

    • 4.5% of pensionable salary up to 7.5 times the Income Base Amount (IBA)
    • 30% of pensionable salary between 7.5 and 30 times the IBA
    • No contributions on pensionable salary above 30 times the IBA

    Option 2:

    • 6.5% of pensionable salary up to 7.5 times the Income Base Amount (IBA)
    • 32% of pensionable salary between 7.5 and 30 times the IBA.
    • No contributions on pensionable salary above 30 times the IBA.

    Option 3:

    • 4.5% of all pensionable salary.
    • No contributions on pensionable salary above 30 times the IBA.

    Option 4:

    • 10% of all pensionable salary.
    • No contributions on pensionable salary above 30 times the IBA.

    Pensionable Salary:

    • Applies only to basic salary.
    • Eligibility for employees aged 18 to 65.

    Income Base Amount for 2025: SEK 80,600.

    All contributions are fully paid by the employer. Employees are not required to contribute.

    Components of the Occupational Pension

    Waiver of Premium:

    This component ensures that the insurance provider will cover the pension and disability insurance premiums if an employee is unable to work due to illness for more than 90 days. The coverage is proportional to the degree of disability, facilitating uninterrupted pension accumulation during long-term sick leave.

    Repayment Cover and Survivor's Pension:

    • Repayment Cover: Automatically integrated into the occupational pension to guarantee that the employee's accumulated pension savings are transferred to designated beneficiaries upon death.
    • Survivor's Pension: Provides a stable financial support of SEK 5,000 per month for 5 years to beneficiaries, easing their financial burden after the employee's passing.

    Long Term Disability Insurance:

    • Compensation Trigger: Begins on the 91st day of disability, offering a layered compensation structure based on the degree of disability.
    • Compensation Details: Includes statutory benefits, with a payment plan that compensates up to 70-80% of an employee's salary based on specific income thresholds, effective up to 359 days from the onset of disability.

    Health Benefits Included in Long-Term Disability Insurance:

    Comprehensive Coverage:

    • Rehabilitation services such as chiropractic care, physiotherapy, and psychological therapy (up to 10 sessions per type of treatment).
    • Dietary and exercise consultations (up to 5 sessions).
    • Professional life planning and ergonomic assessments by occupational therapists.

    Rehabilitation Insurance:

    • Covers necessary costs for investigating and implementing rehabilitation measures, aiding in the recovery and return to work of employees.

    Counselling Services:

    • Provides telephone counseling for employees facing psychosocial challenges, allowing anonymity and accessibility.
    • Supports managers in addressing workplace challenges, including conflict resolution and adherence to labor laws.