1. www.gu.se PA 03 - Occupational pension and National retirement pension 2015-08-31Section for salaries and pension

2. www.gu.se2015-08-31Section for salary and pensions Source: SVD:s pensions guide

3. www.gu.se PA 03 agreement retirement pension survivor´s pension disabilaty pension 2015-08-31Section for salaries and pension

4. www.gu.se Retirement pension defined-contribution pension 1.Individual retirement pension 2.Supplementary retirement pension defined-benefit retirement pension 2015-08-31Section for salaries and pension

5. www.gu.se Individual retirement pension Earn from the age of 23 2,5% of the salary you receive every month until the retirement age of 65 Personal choice of how the pension should be invested and managed (www.spv.se)www.spv.se 1.traditional or unit-linked insurance 2.insurance company 3.with or without repayment cover Lifelong payment, earliest from the age of 61. 2015-08-31Section for salaries and pension

6. www.gu.se Supplementary retirement pension (Kåpan tjänste) Earn from the age of 23 2% of the salary you receive every month until the retirement age of 65 possible to choose repayment cover but not how the pension is managed or type of insurance. normally payed over a period of five years, earliest from the age of 61. 2015-08-31Section for salaries and pension

7. www.gu.se Defined-benefit retirement pension Earn from the age of 28 What affects the amount? 1.the length of your pensionable time of service 2.60% of the component of your pensionable salary between 7,5 and 20 income base amounts (present amount 426 750 - 1 138 000 SEK) 3.Special transitional provitions: born between 1943 and 1972 (born between 1946 and 1976 for employees at Chalmers) 2015-08-31Section for salaries and pension

8. www.gu.se Pensionable time of service In order to receive a full amount, your time of service in employment with government pension entitlement have to amount to 30 years. Less time will give you a part of a full pension (Pensionable service factor, for example 180/360) Time of employment, including part time counts. Requires that you are employed for at least 20% of full time. 2015-08-31Section for salaries and pension

9. www.gu.se pensionable income and pensionable salary Pensionable income includes: 1.your fixed salary 2.other cash emoluments (not overtime compensation) 3.benefits in kind in the form av board and lodging Pensionable salary: - the average pensionable income for the five calendar years immediately preceding the year of retirement (65). 2015-08-31Section for salaries and pension

10. www.gu.se Vested benefit What happens If you don´t stay in government employment until the age of retirement? You will receive a vested benefit which amounts to what you have earned in pension rights during your time of employment 2015-08-31Section for salaries and pension

11. www.gu.se2015-08-31Section for salaries and pension Special transitional provitions if you are born 1943-1972 If you are employed at Chalmers the percentages correspond to the age group 1946- 1976

12. www.gu.se How to aply for pension if you live outside Sweden Notification of a move from Sweden shall be given in writing to the Swedish Tax Agency. SPV should also be given notice of a change of address abroad. Application form, see www.spv.sewww.spv.se Give the bank in Sweden, at the moment Nordea Bank, notice to which bank they can transfer your money. Certificate of existence 2015-08-31Section for salaries and pension

13. www.gu.se Survivor´s pension Survivor´s pension for adults Survivor´s pension for children Group life insurance 2015-08-31Section for salaries and pension

14. www.gu.se Disability pension A supplement to sickness compensation from the Swedish Social Insurance Agency (Försäkringskassan). Full or partial compensation corresponding in scope and term with the decision made by Försäkringskassan. 2015-08-31Section for salaries and pension

15. www.gu.se National retirement pension Income pension Premium pension (individual choice) Guarantee pension (complement to earnings-related pension) 2015-08-31Section for salaries and pension

16. www.gu.se How you earn your national retirement pension 2015-08-31Section for salaries and pension Salary Sickness benefit Parental benefit Unemployment benefit Sickness- or Activity compensation Activity grant Pensionqualifying amounts (years spent with children, higher studies) 18,5 % 2,5 % 16 % Government manage the income pension Premium pension - Individual choice

17. www.gu.se Individual information (www.pensionsmyndigheten.se) 2015-08-31Section for salaries and pension

18. www.gu.se Decide for yourself when to retire 61 year of age The later you retire, the higher your pension will be Work and receive pension at the same time Full pension or partial pension You have to aply for your pension! 2015-08-31Section for salaries and pension

19. www.gu.se How to aply for pension if you live outside Sweden EU/EEA/Switzerland A country outside EU/EEA/Switzerland with which Sweden has an agreement Other country 2015-08-31Section for salaries and pension