Kåpan Flex

Every month your employer pays in to Kåpan Flex. This part of your pension is managed by Kåpan Tjänstepension. You started earning into this part from 1st of January 2024.

This is how much your employer pays into

From 2024 your employer pays in money based on your paid out salary before tax for this part. This means if you are sick or on parental leave or on parental benefit before the child is born you will receive less into Kåpan Flex

If your are born before 1966

Your employer pays in 0,5 per cent of your salary. You earn in to this part until 69 years of age. If you have or have had part time pension your employer will not pay in to this part. If you at a later date receive part time pension your employer will cease payements in to this part.

If you are born 1966 until 1987

Your employer pays in 1,5 per cent of your paid out salary before tax. You earn in to this part until 69 years of age.

Your money is managed by Kåpan Government Employees Pension Fund

The money that your employer pays is placed in a traditional insurance called Kåpan Flex with a guaranteed interest, managed by Kåpan Government Employees Pension Fund. The insurance is by default without a repayment cover. You can if you wish, choose to add repayment cover. To change repayment cover contact Kåpan Government Employees Pension Fund.

This is how repayment cover works

Repayment cover means that your family will receive your pension money if you pass away. If you wish to change the repayment cover on an insurance that you already have, you change this at Kåpan Government Employees Pension Fund.

Add repayment cover

You can always add repayment cover on future payments to your Kåpan Flex. Within a year of having had a child, become cohabitant or gotten married you can add repayment cover on all your money. When you become a state employee for the first time and receive a new insurance you can add repayment cover within six months. Your pension will be lower with repayment cover.

Remove Repayment cover

You can remove your repayment cover up until the insurance is paid out to you. If you live alone and do not have children you do not need repayment cover. Your pension will be higher without repayment cover.

Who will receive your money if you pass away?

If you have repayment cover the money will be paid out to firstly to your spouse, registered partner or cohabitant and secondly to your children.

You can change who will receive the money or how they should be allocated. This is done through a so called specific beneficiary clause at Kåpan Government Employees Pension Fund.

If your employment ends

If your employment within the government sector ends, your employer stops paying pension into Kåpan Flex for you. Kåpan Government Employees Pension Fund will continue to manage the money until you retire and start to withdraw the pension.

In a specific beneficiary clause you can also choose former spouse, former cohabitant or their children or foster children.

If you end your state employment

If you end your state employment your employer will stop payments into this part. The money you have earned will still be with Kåpan Government Employees Pension Fund until it is time for you to retire.

Do you want to take out your money?

When you wish to take out your Kåpan Flex you can find application information at kapan.se.

Application information at Kåpan Government Employees Pension Fund

Short facts about Kåpan Flex

Kåpan Flex is called Ålderspension flex in the pension agreement PA 16.
You earn into this part until you reach 69 years of age.
You can take out this part as a life-long payment or chose a defined period of atleast 1 year or up to 20 years.

Last updated: 12/27/2023