Quick Pension Guide (Snabbkoll på din pension) is a digital service on the Swedish Pensions Agency’s website that was launched in June 2022 to support individuals in the accumulation phase (people aged 26–54) to quickly and easily learn more about the old-age pension and make informed choices based on their situation.

85 percent of individuals who have completed the guide state that they will act based on the information they received, either implement a change or search for more information.

Jobseekers are supposed to an submit Activity Report every month to show their job search activity. The report also helps the Public Employment Service (Arbetsförmedlingen ‒ PES) of Sweden, to provide jobseeker with the support he/she needs. Historically, many jobseekers have found it difficult to submit their Activity Report and otherwise comprehend what they were expected to do.

To enhance support, the Public Employment Service (Arbetsförmedlingen ‒ PES) of Sweden has developed a model to automatically estimate and purpose a search strategy on top of its traditional working streams, taking in consideration the job seeker’s educational background and vocational history to match them with the demands on the labour market. The model estimates a plan regarding the profession the jobseeker should primarily focus on, and the number of jobs one should preferably apply for optimizing his/her efforts for resolving his/her unemployment.

In 2019, Arbetsförmedlingen, the Swedish Public Employment Service (PES), undertook a substantial change in the way the control of jobseekers is carried out. Until then, the employment officers on the local level were responsible for both the service delivery, and for controlling that jobseekers meet the conditions in the unemployment insurance regulations. With the implemented changes, the control is now carried out by specialized staff in a centralized unit.

The Withdrawal Planner (Uttagsplaneraren) is a digital tool to help plan and withdraw one’s pensions. A typical user is aged 55 to 65, with an average of eight pension pots from five different sources. They can create and compare plans with different withdrawal periods and options, to decide about the future withdrawal of their entire pension, not just the state pension.

Based on their action plan, jobseekers must each month submit an activity report on measures they have taken to get a job, for example, if they have completed the mandatory activities and what jobs they have applied for. Most jobseekers comply with the stipulated demands, leaving no reason for the Swedish Public Employment Service (Arbetsförmedlingen – OSS) to take any further action. Reviewing all these reports manually would therefore not be cost effective.

The overall goal of Sweden’s Federation of Unemployment Insurance Funds (Sveriges a-kassor) is to provide services that help administer unemployment insurance so efficiently such that no organization other than the current 27 unemployment funds can do it better.

The Guide Efterlevandeguiden.se, is a website with aggregated information from the authorities to help those who have recently lost someone close. Launched in September 2016, the service is a unique initiative and collaboration between three Swedish government agencies, namely, the Swedish Social Insurance Agency, the Swedish Pensions Agency and the Swedish Tax Agency.

There is a growing white collar workforce and more and more employees are falling ill due to unhealthy workloads. An increasingly borderless work life creates difficulties for individuals to set limits on the working day. What one person experiences as an advantage, can feel stressful for another.

The Standard for Pension Projections aims to help the Swedish pension insurance industry serve its clients better.

The Standard provides a tool for consistent projections across the industry. Two guiding principles have driven the Standard:

The general public in Sweden has little interest in the social security system and many times incorrect expectations of how much they will receive in benefits. But at the same time most people are positive about having a general social welfare system. The Swedish Social Insurance Agency’s communication strategy was created to remind the general public of just that and to connect the Agency with those positive feelings by showing how the agency embodies that idea of social security in a modern way.

We have developed three basic life situations for our customers: Save for retirement, Plan your retirement and Live with your pension. To think and plan for these situations helps us to provide better targeted information to our customers, develop the services they need and want, and also provides a natural starting point for our long-term planning. Our communication is also tailored to target groups within the framework of the respective life situations.

In 2012, the Swedish government allotted resources for early intervention for a restricted amount of new job-seekers. The requirement was that the Public Employment Service (PES) used a profiling instrument which could objectively select individuals with a high risk of long-term unemployment. Not everyone could come into question and resources should be targeted to those with the highest risk, independent of geographical location. The independence of geographical location entails an important difficulty in allocation of interventions at the local level.

Within the framework of this project, considerable efforts have been made to develop and implement an automatic support tool in the decision-making activities. The long-term goal is that the Assessment Support Tool (AST) is to be integrated into the daily activities and that it is to be used as consistently, fairly and efficiently as possible in the assignment of this government agency.

A fundamental principle of the network's financial education programme is that the information provided must be independent. The network runs several horizontal projects directed at clearly defined target groups.

Historically, internal audit reports were communicated to the Board and executive management but did not always reach the rest of the organization. In 2011 the government decided to dissolve the Board and extend the role of the Director General who then initiated a change in the internal audit reporting process. The reporting format was enhanced from being very detailed to focusing on high risk findings and related recommendations.

The Message Manual is a brochure, in both printed and digital format, where the majority, and the most important, of our messages to pensioners and pension savers are expressed in a simple way. The manual is a support for all who have direct customer contact, so we can ensure that our messages are common and uniform. The preparation process of the Message Manual is also an easy and practical way to agree internally on what messages we wish to communicate externally.

The programme is for a maximum of three months. The financial compensation for participants is activity support, like in ordinary labour market programmes.

The offer of participation in WLI is made at a handover meeting where the Swedish Social Insurance Agency (SIA) and the PES together inform the person about the aim and content of the programme.

This leads to increased demands for skills, both on pensions and financial savings. Many lack the knowledge today. They could thus end up with a lower pension than they would have with more knowledge.

The good practice is the training that the Swedish Pensions Agency (Pensionsmyndigheten) provides to partners. The Swedish Pensions Agency offers a free two-day training course for union representatives, who in their turn inform about pensions at their respective workplace.

This is a cost effective way to disseminate information to many workplaces around the country.

This cooperation, made possible through the ability to act together, is completely unique and provided unexpectedly good results. The main focus was to prevent inactivity and avoid negative consequences of long-term unemployment and the attendant increased costs for the unemployment benefit system. The Government also eased the resource allocation for the Public Employment Service (PES) in this situation.

In more than 50 per cent of our international cases we have electronic information exchange in place with the country of residence, meaning the insured person does not need to fill in a life certificate at all.

This practice provides great customer value as well as great rationalization for the insurance companies. Moreover, it provides safer, faster, and more efficient management of life certificate data.

NSJ provides an amount equivalent to the payroll tax, including retirement pension fees, which is credited to the employer´s tax account for people who qualify for NSJ.

People who have been unemployed, participated in labour market programmes or have had support from sickness benefit for a full-time duration or for more than one year are eligible for a NSJ.

The service receives information from about 25 pension companies (pillar II and III) and the Swedish Pensions Agency (Pensionsmyndigheten) (pillar I), and covers about 98 per cent of the existing pension capital. The service provides a forecast of the amount of old age pension from different pension ages and different types of simulations; how different salary levels and different rates of return on the pension capital affect the pension level.

The extensive mailing of the Orange Envelope, the annual statement regarding the public pension system, to all pension savers, creates during one month a season for pension information.

The Orange Envelope is very well known. It shows the importance of working longer and it is a great platform to make pension savers, either via digital channels or through the Pension Agency's customer service, to get help to understand the full pension and to explain which behaviours lead to a higher or lower pension.

The Orange Report - The Annual Report of the Swedish Pension System - is a means of spreading and presenting information and knowledge about how the Swedish public pension system works and performs.

The Orange Report combines common accounting principles and a specially developed method to be able to present the financial development of a public (and essentially pay-as-you-go financed) pension scheme.

The target groups for this system level information are: government, politicians, policy analysts, media and researchers.

The premium pension system has one of the world's most powerful discount models, giving pension savers the opportunity to save in UCITS-funds with substantially lower fund fees. This gives our pension savers an average 15-20% higher premium pension.

In 2015, the fund companies took out approximately 6.2 billion SEK in fees from our funds' shares. 4.2 billion SEK (67%) was paid back to the Swedish Pensions Agency and will be distributed back to the pension savers.

The Public Employment Service (Arbetsförmedlingen (PES)) first makes an assessment to establish whether the jobseeker has a reduced working capacity and also to examine whether the impairment can be compensated fully or partially with other support. A work analysis is carried out based on knowledge of the conditions and functional impairment of the jobseeker and the information which is obtained at the workplace. A WS may be provided for a maximum of four years. The support may be extended under certain circumstances.