Events in life
Your pension is affected by different events in life and by the choices you make. Most of these events, as for example if you get married, get children or go down in working hours, can affect your pension.
You start earning to your occupational pension when entering your employment
When entering your employment, KTH will begin to pay in money to your occupational pension. Your birth year affects how your pension will look like.
As a new employee, you will get information sent to you about the selectable part. This part you can choose freely in your occupational pension and you choose also which insurer will manage this part. If you do not make your own choice, your money is placed in a traditional insurance scheme with Kåpan Pensions without repayment cover. You can change your choice later on if you wish to change it.
At long-time illness you can get a sickness pension
If you receive sickness pension or activity compensation from the Swedish Social Insurance Agency (Försäkringskassan), you may be entitled to extra compensation from the The National Government Employee Pensions Board (SPV). This compensation is a sickness pension. The size of the pension is depending on your salary. Contact HR for more information about how to apply for sickness pension.
- If you receive sickness benefit from the Swedish Social Insurance Agency, you are not entitled to get sickness pension from SPV.
- Your occupational pension is affected if you become sick. How it is affected depends on your birth year.
If you terminate your employment and get sick within three months, you may receive a sickness pension, a so called after protection. It is only applicable if you do not have a new employment where you have a similar protection.
The parts in your occupational pension are affected differently if you are on parental leave or if you choose to go down in working hours.
- As your employer, KTH continues to pay in money to your occupational pension when on parental leave. How your pension is affected, depends on when you are born.
- If you go down in working hours without being on parental leave, for example if you want to have more time for your family, KTH pays in less to your occupational pension.
- As a government employee, you get an extra allowance when you take parental leave, a parental benefit supplement.
- When you become a parent, it may also be good to decide if you need a repayment cover to your occupational pension.
New family circumstances
If your family circumstances changes, for example if you get married, become a cohabitee or if you separate, it may be wise to look over some of the parts in your occupational pension. Maybe you need to look over the repayment cover or change in which order your family will get your money in the event of your death.
Going down in working hours
During your working life, you have the possibility to go down in working hours in different ways, for instance if you go down i hours when on parental leave or if you work part-time. Your occupational pension is affected differently depending on which alternative is actual for you and on when you are born.
When on full-time leave
When you are on full-time leave, you earn in some cases to your occupational pension and in some cases not. How the different parts in your occupational are affected, depends on your birth year.
Läs mer om vad som händer när du är tjänstledig på heltid på spv.se.
If you terminate your employment
If you terminate your employment, your occupational pension is affected differently depending on when and why you quit.
- When you quit your university employment, the pension money which you have earned remains within the National Government Employee Pensions Board (SPV) and Kåpan Pensions until you to retire.
- Should you terminate your job if you are made redundant, you may get a pensions allowance or a special pension allowance. Which rules apply depends on when you were dismissed.
- If you terminate your university employment and get sick or die within three months, there are still some protection. It is called an after protection and it is only valid if you have not received another employment with a similar protection.
Money to your family in the event of your death
Your family may get an allowance if you die during service. The money may have different sources, for instance from an occupational group life insurance, or from a survivor´s pension. How your family applies for the allowance and how the money is paid out to them varies.
Your family can get money if you die after you have terminated your employment. Which rules apply depends among other things on when you terminate your service.
For more information
The National Government Employee Pensions Board (SPV) manages our pension administration. If you need support concerning your occupational pension, you are welcome to contact SPV on telephone number 020-51 50 40 or email@example.com.