Family situations

I am single, without children

The selectable survivor’s covers (i.e. Family cover and Repayment cover) can only be used for spouse, “sambo” (see the next paragraph) or children. Since none of that applies to your situation, you don’t need a survivor’s cover. Instead, you can make sure to receive a larger amount as your own pension.

The TGL part of your pension will automatically go to your ancestors. If you want someone else to have your TGL, you need to choose a Special beneficiary.
If you have ITP 2 and high salary, family pension is included, but you should refrain from it, since it’s not relevant to your situation.


I have a "sambo"

(“Sambo” is a Swedish juridical term referring to a someone you live together with as a couple without being married, a Swedish equivalent to common law marriage.)

If you want to cover your sambo’s financial security in case you pass away, you can choose Family cover and/or Repayment cover. Your sambo automatically receives the survivor’s cover you have chosen.

If you have ITP 2 and a high salary, Family pension is included. But a sambo cannot receive family pension. Refrain from receiving family pension to increase your own pension.

 

I am married 

If you want to cover your spouse’s financial security in case you pass away, you can choose a survivor’s cover (i.e. Family cover and/or Repayment cover). Your spouse automatically receives the survivors’ cover you have chosen.
If you have ITP 2 and a high salary, Family pension is included.

 

I was married after I turned 60

For the survivor’s covers Family cover and Repayment cover, the same rules applies as any other married couple.

If you have ITP 2 and a high salary, Family pension is included. In order for your spouse to receive the Family pension, you must have been married for 5 years or have children together. Otherwise, other ancestors will receive the money.


I am the parent of children with no income of their own   

If you want to cover your children´s financial security in case you pass away, you can choose a survivors cover (i.e. Family cover and/or Repayment cover. Your ancestors will get the money if you die. If you want the money to go directly to your children (and not your spouse, if you have one), you need to choose your children as Special beneficiaries. If you have ITP 2 and a high salary, Family pension is included. Only children younger than 20 years can receive your Family pension.

 

I have children with their own income  

When the children are economically independent, it could be beneficial to eliminate the survivors' cover and ensure that you, yourself, receive a larger amount as your own pension. If you have ITP 2, and a high salary, Family pension is included. Since your children do not need your money, you can refrain from your Family pension to make your own pension larger.

 

I am divorced  

If you no longer want to cover your ex-spouse financial security in case you pass away, remove your survivors' cover or change who is receiving your pension benefits if you pass away.

If you have ITP 2 and a high salary, Family pension is included. If you no longer need it, you can refrain from it to receive a higher pension for yourself.


I am on parental leave

Inform the personnel department at your employer when you are planning your parental leave. Your collective agreement may include extra compensation from your employer in addition to parents’ allowance which you receive from Försäkringskassan (the Swedish Social Insurance Administration).

If you have ITP 1, the premiums are paid for your occupational pension insurance in relation to your parental benefits from Försäkringskassan. It is not your employer who makes the payments, they are paid through your insurance cover.

If you have ITP 2, it is up to your employer to choose whether they want to pay premiums during your parental leave.

You can find out if you have ITP 1 or ITP 2 here.