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ITP occupational pension

When you start to work for a Swedish employer who has ITP occupational pension, you will get involved with Collectum.

ITP occupational pension

When you start to work for a Swedish employer who has ITP occupational pension, you will get involved with Collectum.

Private

Have you received a letter from us?

If you get a new job that includes an ITP, or if your ITP insurance changes, you will receive an insurance statement from us. Do you need help to understand what it says? We can help you.

Companies

Do you offer ITP to your employees?

The ITP occupational pension is a part of the collective agreement and complements the Swedish national public pension. Your employees will have either an ITP 1 or an ITP 2.

FAQ

Private

Your employer pays the contributions to your ITP occupational pension every month.
Read more about retirement pension

It depends on your salary, how long you have had an ITP and how the investment of your premiums has performed.

  • If you have an ITP 1, you have a defined contribution retirement pension. That means that the amount paid into your pension is determined in advance, but it’s not possible to say in advance what amount your pension will be.
  • If you have an ITP 2, you have a defined benefit retirement pension. That means that the amount of your pension is determined in advance and linked to your salary. However, the amount paid in is not determined in advance but is calculated for each individual by Alecta. ITP 2 also contains the supplementary retirement pension ITPK, which is a defined contribution retirement pension.

Read more about your ITP pension

You can choose who manages your pension fund and how your ITP 1 or your ITPK (if you have ITP 2) funds are invested. However, you are not obliged to make a choice. If you don’t make a choice, your money is invested with Alecta, the default choice.

You need to think about whether you would like to select survivor´s cover for your family. This would entitle them to compensation if you were to die.

Read more about investing your money

Read more about survivor´s cover

Companies

The premiums you pay vary depending on whether your employees have an ITP 1 or an ITP 2 + ITPK.

  • The ITP 1 is a defined contribution pension.
  • The ITP 2 is a defined benefit pension, while the ITPK is a defined contribution pension. Read more about the cost of ITP

All salaried employees over 18 who have ITP cover and work at least eight hours per week also have occupational group life insurance, TGL.

With the TGL a tax-free lump-sum is paid out to survivors if the employee dies before retirement.

Read more about TGL

Notify us of all events that have an impact on your employee’s ITP pension. You must report the salaries of all employees with an ITP 1 every month!

Read more about how to notify Collectum

Private

On the Collectum website, you can:

  • Choose who manages your occupational pension
  • Choose cover for your family
  • Transfer capital you’ve already earned to another pension fund manager
  • Adapt your occupational pension to your personal situation
  • Learn more about your ITP occupational pension

Call us

Private: +46 8 508 980 00 (from abroad) 020-40 85 00 (from Sweden)

Companies: +46 8 508 981 00

Phone hours

Monday-Friday 8:30–16:00

Postal address

103 76 Stockholm

Download choice forms and information about ITP.