If you recently have had a child, become cohabitant, gotten married or separated it could be wise to look at the different parts of your occupational pension. Occupational pension is not part of partition of joint property. 

Repayment cover?

Repayment cover means that your family will receive the money in your  pension insurances if you pass away. 

How much will be paid out depends on the money that has been paid in to the insurance. When determining if repayment cover is needed you need to look at your own family situation. Repayment cover can give a certain financial safety for your own family, however your own pension will be somewhat lower. 

• If you have a child, become cohabitant or gotten married you can within one year add repayment cover for all money in the selectable part and the part Kåpan Tjänste. You can always add repayment cover for future payments. The money would then be in a new own insurance. 
• If your family situation changes, for example if you get divorced, it could be an idea to look over if you need repayment cover or not. If you have repayment cover you can look over who would receive the money if you pass away. Changing who would receive money if you pass away is done with a specific beneficiary clause that you register with your insurer. 
   

Change beneficiary for your group life insurance

In your employment you have a group life insurance that means that your family can receive money if you pass away. 

It is your spouse, registered partner, cohabitant or your children that will receive the money from your group life insurance if you pass away while in state employment . You can change in which order your family would receive money. That is by a specific beneficiary clause. If you wish to have a specific beneficiary clause please contact our Customer Service. 

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