Employers pay in occupational pension premiums for their employees, which are
later paid out to the employee as pension. This supplement to the national pension
is becoming increasingly important for the total pension. In 2018, life insurance
companies made payments of more than SEK 150 billion in occupational pensions.
In 2018, retirement pension payments totalled about SEK 480 billion (see
Figure 11). Of these, the Swedish Pensions Agency paid out just under SEK
330 billion in national retirement pension. National retirement pension
includes income pension, supplementary pension, premium pension and
guarantee pension. The remaining SEK 150 billion was paid out by the life
insurance companies as occupational pension and private pension.
From 2011 to 2018 annual pension payments increased by more than 38
per cent. In the same period, occupational pension payments rose from
SEK 57 billion to SEK 87 billion, corresponding to an increase of 53 per cent.
Private pensions rose from SEK 48 billion to SEK 63 billion, corresponding
to an increase of a bit less than 31 per cent.
Occupational pension and private pension payments accounted for about
31 per cent of total retirement pensions in 2018. The share of occupational
pensions between 2011 and 2018 increased somewhat, from 16 per cent to
more than 18 per cent. By contrast, the share of private pensions decreased
slightly, which is probably largely due to the change in the tax deduction rules.
In the past ten years, Swedish households have almost doubled their savings
from just over SEK 5,500 billion in 2009 to almost SEK 10,500 billion in 2018
(see Figure 12). Occupational pension schemes are the largest form of savings
for Swedish households. Slightly less than half of the savings in 2018 were
either in occupational pensions, private pensions or premium pensions.
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