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Division B

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Division A - Accrual of rights

In LSR's Division A, you pay a monthly premium of 4% of your salary, and in addition the employer pays a premium which is normally 11.5%. In this way, the right to a pension is created, which is paid for the rest of your life, and the right to a disabi...

/en/pensions/division-a/pension-rights/

Specified private pension

If you choose to use the specified personal pension, your rights to lifelong pension and disability pension will be reduced. It is therefore important that each person carefully evaluates whether the specified personal pension is a good option for him ...

/en/private-pension/specified-private-pension/specified-private-pension/

Division A - Overview

In LSR Division A, you will be entitled to a pension for the rest of your life, a disability pension if you become disabled, and your spouse and children can be entitled to a spouse's and children's pension in the event of death.

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Division A - Child Pension

The condition is that the fund member met one of the following conditions: Paid into the fund for at least 24 of the last 36 months before death Paid into the fund for at least 6 of the last 12 months before death Receive...

/en/pensions/division-a/pension-payments/child-pension/

Payouts

Income tax is deducted from the payouts. It might therefore be wise to keep the tax brackets in mind and distribute payments so that there is less chance that they will fall into a higher tax bracket. The following rules apply to withdrawals:

/en/private-pension/private-pension/payouts/

Payouts from specified private pension

After reaching the age of 67, the total balance of the specified private pension is available for disbursement. Monthly payments of the specified private pension are processed on the 1st of each month. The application must be received by the fund at le...

/en/private-pension/specified-private-pension/payouts/

Investment policy

In order to achieve this goal, the composition of assets is determined according to a pre-formulated investment policy, assets are secured as best as possible, and all decisions about investments and custody of the funds' assets are carefully considere...

/en/private-pension/specified-private-pension/investment-policy/

Division of pension rights

The division must be mutual, meaning that each partner in a cohabitation must grant the other the same proportion of their rights. You can transfer up to 50% of your rights to your spouse and receive the same percentage of your spouse's rights. ...

/en/pensions/division-a/division-between-spouses/division-of-pension-rights/

Division of pension payments

You can apply for the division of pension payments between spouses at any time, even after pension payments have begun. The parties can also unilaterally cancel an agreement on payment sharing by notifying the respective pension funds.Upon the d...

/en/pensions/division-a/division-between-spouses/division-of-pension-payments/