What is a collective agreement?

A collective agreement is a written agreement between a trade union organisation and an individual employer or an employer association that governs terms of employment.

According to the collective agreement that the Confederation of Swedish Enterprise and the Council for Negotiation and Co-operation (PTK) have signed on behalf of their members, all salaried employees in the private sector are to have

  • ITP occupational pension 
  • TGL occupational group life insurance
  • industrial injury insurance (TFA) (This insurance is managed by AFA).