Rapport 2017-15

Summary 17 Summary Men’s and women’s fixed-term occupational pensions The Swedish Social Insurance Inspectorate (Inspektionen för social- försäkringen, ISF) is an independent supervisory agency for the Swedish social insurance system. The objectives of the agency are to strengthen compliance with legislation and other statutes, and to improve the efficiency of the social insurance system through system supervision and efficiency analysis and evaluation. The ISF’s work is mainly conducted on a project basis and is commissioned by the Government or initiated autonomously by the agency. This report has been commissioned by the Government. Background In Sweden, around 90 percent of all employees are covered by collectively bargained occupational pensions that top up their public pensions. There are four main occupational pension schemes covering central government employees, local government employees, white- collar workers in the private sector and blue-collar workers in the private sector, respectively. All collectively bargained occupational pensions can be withdrawn, in part or in full, as temporary pensions with fixed-term payments over five to 20 years or as lifetime annuities. The public pension can only be withdrawn as a lifetime annuity.