ITP is a collectively agreed pension that you have through your employer. Your ITP occupational pension gives you, as a salaried employee in the private sector, extra security on the day you retire. You can also benefit from it if you should become ill for a long period.

Retirement pension

ITP retirement pension can be withdrawn from the age of 55. You can choose cover for your family – in the event of your death.

Disability pension

Between the age of 18 and 65 you have an ITP disability pension which complements the compensation you receive from the Social Insurance Office. You also have TGL occupational group life insurance as long as you are working. If you leave your employment before you are 65, both disability pension and TGL cease to apply.


You also have an occupational group life insurance (TGL), which provides compensation to your immediate family if you die before you retire.

The ITP Agreement

ITP occupational pension is designed on the basis of the ITP Agreement between PTK, which is a joint organization of 27 member unions, representing 860 000 salaried employees in the private sector in Sweden and Svenskt Näringsliv (the Confederation of Swedish Enterprise) representing 49 member organizations and 60 000 member companies with over 1.6 million employees.