New age limits for occupational pensions under ITP1 and SAF-LO (agreement between Sv näringsliv, LO and PTK)
Svenskt Näringsliv, LO and PTK have reached an agreement on occupational pensions, insurance and transition support for over two million private-sector employees. The agreement means more years of pension contributions under both ITP 1 and Avtalspension SAF-LO.
In October, we wrote about the risk of there being no agreement in place on 1 December 2026 and how this could affect invoicing for pension and insurance premiums. The main organisations have now reached an agreement. The next step is for the trade unions and employers’ organisations concerned to adopt and sign the agreements.
More years of pension contributions from 2028
For private-sector white-collar employees with ITP1 the minimum age is lowered from 25 to 24 and the maximum age is raised from 66 to 67. The new limits are to apply from 1 January 2028.
For private-sector blue-collar workers with Avtalspension SAF-LO the maximum age is raised from 65 to 67 during 2028. Pension accrual will continue to start in the month the employee turns 22.
How FörsäkringsGirot is preparing its administration
For employers, the new age limits mean that more employees may be eligible for pension contributions. We are monitoring how the changes will be applied to reporting, premium calculations and invoicing, and preparing the necessary adjustments to our services and systems.
Fact box – insurance and transition support
| Area | What is changing? |
|---|---|
| ITP 1 – private-sector white-collar employees | From 1 January 2028 the minimum age for pension contributions is lowered from 25 to 24. The maximum age is raised from 66 to 67. |
| Avtalspension SAF-LO – private-sector blue-collar workers | During 2028 the maximum age for pension contributions is raised from 65 to 67. Pension accrual will continue to start in the month the employee turns 22. |
| Trygghetsförsäkring vid arbetsskada (TFA) | The excess and the minimum payment threshold are removed. |
| Föräldrapenningtillägg | The terms are improved for those who change employer. |
| Transition support | It will be easier to qualify for support, as previous employment can be taken into account to a greater extent. |
Next steps. The trade unions and employers’ organisations concerned are to adopt and sign the agreements. The parties will also continue their joint work to review how the agreements can be developed in future.
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