Sick leave and your collective agreement

If you have a collective agreement, you almost always get more than Försäkringskassan's sickness benefit. The agreement adds a top-up, and for most people it's around 10% of salary. If you earn above the SGI cap, the top-up can become the largest part, since Försäkringskassan stops scaling at the cap.

The key point: some of this money isn't paid out automatically. For several agreements you have to claim it yourself, and you can do so long after the fact. It's commonly missed.

What the agreement adds

For the first 14 days, sick pay is 80% of salary. The agreed ~10% top-up only starts from day 15, bringing you near 90% then. From day 15, when Försäkringskassan takes over with 77.6% of SGI, an agreed top-up continues through schemes like AGS, AGS-KL or ITP-sjukpension. Below the SGI cap (SEK 592,000/year in 2026) the top-up typically adds around 10% on top, landing you near 88–90% of salary. Above the cap, where Försäkringskassan pays nothing, some agreements step in with a much higher share.

You often have to claim it yourself

AGS and AGS-KL, administered by AFA Försäkring, are not paid out automatically — you report it yourself to AFA, and your employer won't do it for you. You can claim retroactively, even for sick periods several years back, so it's worth checking even if you've been on sick leave before. ITP-sjukpension for white-collar employees works differently: the employer reports it via Collectum, and you mainly need to register a bank account with Alecta.

Which agreement applies to you

In municipalities and regions, AB applies with AGS-KL via AFA. Private-sector white-collar employees usually have ITP-sjukpension via Alecta. Private-sector blue-collar workers are typically covered by AGS via AFA. Central-government employees have Villkorsavtal-T, where the employer pays the top-up directly. They differ most in how long the top-up runs and how much they pay above the SGI cap. The calculator uses the right agreement once you pick it.