If you are injured
Work injury insurance (TFA, TFA-KL, PSA) applies from the first day of employment. The insurance may entitle you to compensation in the event of an occupational accident, a travel accident on the way to or from work, or in the event of occupational disease. All three cases are called work injuries.
How do I know whether I have insurance?
Nine out of ten wage-earners in Sweden have work injury insurance with us, so there is a good chance that you are one of them.
When are you eligible for insurance compensation?
You can apply for compensation if you
are injured at work
are injured while travelling to or from work
fall ill due to your work
are the victim of threats, violence or robbery.
How to submit a claim
Log in and submit a claim via My Pages at Afa Försäkring using your BankID. The claim forms are in Swedish. Get claim forms.To submit a claim, you need:
your own BankID
your employer's details: company name or registration number, and telephone number
your income entitling you to sickness benefit (SGI) or annual income
if you have been placed on sick leave: the date that you reported your illness to your employer
a medical certificate.
What happens once you have submitted a claim?
When we receive your claim, we start by:
asking your employer to confirm your employment
asking the Social Insurance Agency to confirm that they are paying you sickness benefit.
Once your employer and the Social Insurance Agency have replied, we will start to handle your case. If we require more information, we will get in touch with you.When we are ready, we will notify you of whether you are eligible for compensation, and how much. You will be notified of the decision on My Pages and in a letter sent to you.
Submit a claim
Log in using your BankID. If you do not have a BankID, you can fill in a form and send it to Afa Försäkring.
Frequently asked questions
Can I report an injury that happened in my free time?
An accident that occurs in your free time should be reported to the insurance company where you have an accident insurance policy that covers leisure time. However, if you injure yourself on the way to or from work, you should report it to us as an occupational injury (commuting accident). There is one exception: if a vehicle is involved, you should instead report the accident to the insurance company where the vehicle is insured.
Do I have to pay tax on the compensation?
You do not have to pay tax if you receive compensation for:
• Expenses
• Pain and suffering
• Permanent impairment (medical disability)
You do have to pay tax if you receive compensation for:
• Loss of income
• Late payment interest
In these cases, we deduct 30 percent tax and report the compensation to the Swedish Tax Agency (Skatteverket) every month.
Can I receive compensation for a dental injury?
Yes, you can receive compensation from the occupational injury insurance if you lost a healthy tooth when you were injured. Dental care costs, such as visits to the dentist, are compensated by the Swedish Social Insurance Agency (Försäkringskassan).
I have been threatened at work. Is this covered by the insurance?
Yes, it can be considered a workplace accident. If you suffer a personal injury, you may be entitled to compensation from the occupational injury insurance if you have been exposed to a direct threat. In such cases, we may provide compensation for loss of income, expenses, pain and suffering, as well as permanent injury.
How is the compensation paid out?
For us to be able to transfer the money to you, you need to register your bank account. Do the following:
Go to swedbank.se/kontoregister
Enter your account number.
You can register an account from any Swedish bank. You do not need to be a Swedbank customer. If we decide that you are entitled to compensation, we will deposit the money into your account. If you do not register an account, you will receive a payment notice by mail.
Does the insurance apply if I am injured in traffic?
Special rules apply to accidents involving a motor vehicle (for example a car, bus, or moped). In those cases, the Traffic Damage Act applies.
The occupational injury insurance applies if the accident occurs while you are traveling for work. In such cases, you may receive compensation either from the motor vehicle insurance company or from us. Compensation from the motor vehicle insurance company is often more advantageous. Therefore, it is important that you also report the injury to the motor vehicle insurer.
The occupational injury insurance does not apply if the accident happens while traveling to or from work and a motor vehicle is involved. In those cases, the accident must be reported to the insurance company where the vehicle is insured. If you are on sick leave, you must also report it to our sickness insurance, if it applies to you.
What is the difference between a commuting accident and a traffic injury?
A commuting accident is an accident that occurs while traveling to or from work. For example, you may slip, trip, or fall off your bicycle.
A traffic injury means that a vehicle (which is required to have motor vehicle insurance) is involved in the accident.
The Occupational Injury Insurance does not apply to a commuting accident when a vehicle is involved. In such cases, the accident must be reported to the insurance company with which the vehicle is insured. It should also be reported to us (under our sickness insurance), if that insurance applies to you.
A traffic accident that occurs in the course of your work, for example during a business trip, is considered a workplace accident.
What is the difference between an occupational accident and an occupational disease?
An occupational accident is caused by a short-term, unusual, sudden, and unexpected event. For example, you may fall from a ladder and break your leg, cut yourself with a knife, or suffer a similar injury.
An occupational disease is caused by something in the work environment that is harmful to your health, such as noise, chemical substances, vibrations, or heavy and repetitive work.
What if I have lasting symptoms?
You may be entitled to compensation for lasting physical or psychological symptoms, that is, permanent medical impairment (medical invalidity).
This means that your injury has resulted in a permanent loss of bodily or mental function. For example, you may be unable to bend a knee, have difficulty lifting objects, or experience ongoing pain.
I had an accident at work but did not need to take sick leave. Should I report the injury anyway?
Yes, it is important to report the injury, as you may be entitled to compensation for things such as scarring or lasting symptoms and impairments.