{"id":21080,"date":"2022-06-07T08:00:00","date_gmt":"2022-06-07T06:00:00","guid":{"rendered":"https:\/\/benefex-dev.local\/sv\/offentlig-sektor-och-tjanstepension-forandringarna-under-2023-att-ha-koll-pa\/"},"modified":"2026-03-22T10:57:29","modified_gmt":"2026-03-22T09:57:29","slug":"offentlig-sektor-och-tjanstepension-forandringarna-under-2023-att-ha-koll-pa","status":"publish","type":"post","link":"https:\/\/benifex.com\/sv\/offentlig-sektor-och-tjanstepension-forandringarna-under-2023-att-ha-koll-pa\/","title":{"rendered":"Offentlig sektor och tj\u00e4nstepension \u2013 f\u00f6r\u00e4ndringarna under 2023 att ha koll p\u00e5"},"content":{"rendered":"

Ett nytt reformpaket som ger mer pension till anst\u00e4llda inom offentlig sektor blev klart i \u00e5r. Pensionsreformen inneb\u00e4r en premieh\u00f6jning med 33 procent till ber\u00f6rda anst\u00e4llda \u2013 samtidigt som tidigaste uttags\u00e5ldern h\u00f6js.<\/span><\/h2>\n

<\/p>\n

I Benifys \u00e5rliga f\u00f6rm\u00e5nsunders\u00f6kningar hamnar pension n\u00e4stan alltid bland medarbetarnas topp tre favoritf\u00f6rm\u00e5ner. Viktigast \u00e4r pension f\u00f6r \u00e4ldre generationer men \u00e4ven yngre medarbetare rankar pension h\u00f6gt, s\u00e4rskilt i sp\u00e5ren av pandemin.<\/p>\n

<\/span><\/p>\n

H\u00f6jd pension f\u00f6r anst\u00e4llda inom offentlig sektor<\/span><\/h3>\n

Nu kan anst\u00e4llda inom offentlig sektor dra en l\u00e4ttnadens suck. Tv\u00e5 \u00e5rs f\u00f6rhandlingar mellan fackliga organisationer, Sobona och Sveriges Kommuner och Regioner har burit frukt och mynnat ut i en \u00f6verenskommelse om h\u00f6jd tj\u00e4nstepension f\u00f6r anst\u00e4llda inom kommun och region.<\/span><\/p>\n

Den 1 januari 2023 \u00f6verg\u00e5r kommuner och regioner fr\u00e5n ett avgift- och f\u00f6rm\u00e5nsbest\u00e4mt pensionssystem (KAP-KL) till ett avgiftsbest\u00e4mt (AKAP-KR) s\u00e5dant. I samband med bytet h\u00f6js pensionsavs\u00e4ttningen fr\u00e5n 4,5 procent till 6 procent av den anst\u00e4lldas pensionsgrundande l\u00f6n (upp till 7,5 inkomstbasbelopp, motsvarande 44 375 kronor i m\u00e5nadsl\u00f6n \u00e5r 2022). F\u00f6r den som tj\u00e4nar \u00f6ver 7,5 inkomstbasbelopp h\u00f6js pensionsavs\u00e4ttningen fr\u00e5n 30 procent till 31,5 procent p\u00e5 den \u00f6verskridande l\u00f6nedelen.<\/span><\/p>\n

F\u00f6r\u00e4ndringen g\u00e4ller dock inte alla anst\u00e4llda. \u00d6verg\u00e5ngsreglerna g\u00f6r att vissa anst\u00e4llda \u00e4ven i forts\u00e4ttningen omfattas av KAP-KL, som best\u00e5r av en f\u00f6rm\u00e5nsbest\u00e4md del och en avgiftsbest\u00e4md del f\u00f6r den som tj\u00e4nar \u00f6ver 7,5 inkomstbasbelopp.<\/span><\/p>\n

Pensionsreformen inneb\u00e4r att anst\u00e4llda inom offentlig sektor f\u00e5r h\u00f6gre avs\u00e4ttning \u00e4n 2,6 miljoner anst\u00e4llda inom privat sektor som omfattas av ITP. Inkomstniv\u00e5n inom offentlig sektor \u00e4r ofta l\u00e4gre \u00e4n inom privat sektor \u2013 det nya avtalet \u00e4r d\u00e4rf\u00f6r en v\u00e4lkommen reform som till och med \u00e4r sn\u00e4ppet vassare \u00e4n andra pensionsavtal.<\/p>\n

<\/span><\/span><\/p>\n

\"Offentlig_sektor_1\"<\/span><\/p>\n

H\u00f6jd uttags\u00e5lder f\u00f6r tj\u00e4nstepension<\/span><\/h3>\n

I till\u00e4gg till den h\u00f6jda pensionsavs\u00e4ttningen h\u00f6js \u00e4ven \u00e5ldern n\u00e4r anst\u00e4llda tidigast kan b\u00f6rja ta ut sin tj\u00e4nstepension \u2013 fr\u00e5n 55 \u00e5r till 60 \u00e5r. Fr\u00e5n 2026 h\u00f6js tidigaste uttags\u00e5lder igen, d\u00e5 till 62 \u00e5r. Pensionsutbetalningen kan ske livet ut eller under en tidsbegr\u00e4nsad period p\u00e5 minst tio \u00e5r.<\/span><\/p>\n

Vad \u00e4r en avgiftsbest\u00e4md pension?<\/span><\/h3>\n

Arbetsgivaren betalar in en summa som motsvarar 4,5 procent (6 procent fr\u00e5n \u00e5r 2023) av den anst\u00e4lldas l\u00f6n till en pensionsf\u00f6rs\u00e4kring. Den anst\u00e4llda kan sj\u00e4lv v\u00e4lja placeringsform. Anst\u00e4llda inom kommun och region har r\u00e4tt till avgiftsbest\u00e4md pension (\u00e4ven kallad premiebest\u00e4md pension).<\/span><\/p>\n

Vad \u00e4r f\u00f6rm\u00e5nsbest\u00e4md pension?<\/span><\/h3>\n

Den som har en f\u00f6rm\u00e5nsbest\u00e4md pension \u00e4r garanterad en viss procent av sin slutl\u00f6n i pension. Man kan inte sj\u00e4lv v\u00e4lja placeringsform f\u00f6r en f\u00f6rm\u00e5nsbest\u00e4md pension. <\/span><\/span><\/p>\n

M\u00f6jlighet att sj\u00e4lv v\u00e4lja placeringsform<\/span><\/h3>\n

Den h\u00f6jda pensionsavs\u00e4ttningen \u00e4r en klar f\u00f6rb\u00e4ttring f\u00f6r den som omfattas av \u00e4ndringen. I slut\u00e4ndan \u00e4r det dock fondavgifterna som p\u00e5verkar pensionssparandet mest. Tack vare \u00f6verg\u00e5ngen fr\u00e5n f\u00f6rm\u00e5nsbest\u00e4md till avgiftsbest\u00e4md pension kan anst\u00e4llda inom offentlig sektor sj\u00e4lva v\u00e4lja hur tj\u00e4nstepensionen ska placeras. Denna m\u00f6jlighet \u00f6ppnar nya d\u00f6rrar f\u00f6r smarta placeringar med l\u00e5ga avgifter som kan boosta tj\u00e4nstepensionen under hela arbetslivet.<\/span><\/p>\n


\"medarbetar-engagemang-i-offentlig-sektor-ar-hogt\"<\/span><\/p>\n

Oberoende placeringsr\u00e5dgivning online<\/span><\/h4>\n

M\u00e5nga anst\u00e4llda \u2013 oavsett sektor \u2013 oroar sig f\u00f6r sin framtida ekonomi men har sv\u00e5rt att sj\u00e4lva placera sin pension. Det kan bero p\u00e5 kunskapsbrist, tidsbrist eller brist p\u00e5 intresse helt enkelt. En av Benifys mest uppskattade tj\u00e4nster \u00e4r det digitala pensionsverktyget Lifeplan<\/strong><\/a>, framtagen f\u00f6r att ge medarbetare personliga placeringsr\u00e5d f\u00f6r ett optimerat pensionssparande.<\/span><\/p>\n

Lifeplan har inga egna fonder och tar inte emot provision eller kickbacks. Placeringsroboten tar ist\u00e4llet fram b\u00e4sta m\u00f6jliga portf\u00f6lj utifr\u00e5n varje enskild medarbetares f\u00f6ruts\u00e4ttningar. Lifeplans algoritm \u00e4r utformad efter det svenska pensionssystemet och bygger p\u00e5 forskning kring hur man uppn\u00e5r b\u00e4sta m\u00f6jliga avkastning med hj\u00e4lp av optimal riskspridning och l\u00e5ga fondavgifter.
<\/span><\/p>\n

 <\/p>\n

Viktigt att placera tj\u00e4nstepensionen klokt<\/span><\/h4>\n

En v\u00e4lplacerad tj\u00e4nstepension kan g\u00f6ra stor skillnad i framtiden \u2013 det kan handla om flera tusenlappar mer i pl\u00e5nboken som pension\u00e4r. En halv miljon svenskar har redan tillg\u00e5ng till Lifeplan via sitt arbete. Arbetsgivare som erbjuder Lifeplan ser att oron \u00f6ver pensionen minskar bland medarbetarna i takt med att kunskapen och pensionen v\u00e4xer.<\/span><\/p>\n

\n

Vill du veta hur du som arbetsgivare kan \u00f6ka medarbetarnas kunskap och nyttjande av pensionsf\u00f6rm\u00e5ner? Benify har satt ihop en anv\u00e4ndbar guide som hj\u00e4lper dig \u00f6ka medarbetarnas engagemang kring pensions- och f\u00f6rs\u00e4kringsf\u00f6rm\u00e5ner.<\/span><\/p>\n

 <\/p>\n

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