2025-02-272024/25:SfU13 · p.1SfUMigration & social insurance

The pension system

Information for parents on the pension consequences of their choices

What's at stake: The decision concerns parents, often women, who take more parental leave and work part-time more often than men, which can lead to a lower pension over time. The question is whether these parents should receive better, more targeted information early enough to make informed choices about leave, working hours and pension saving.

Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.

What the vote decides

The question is whether the Swedish Pensions Agency should be tasked with producing, together with other relevant actors, information targeted at parents on how parental leave, part-time work and pension saving affect their future pension, or whether current information and rules are already sufficient.

Yes Yes — the committee proposal

The committee takes the lifetime-income principle as the foundation of the pension system, while noting that the basic protection - housing supplement and guarantee pension - was raised as recently as 2022. The committee reached a similar assessment last year on related questions and sees no reason to reach a different assessment now, or to give the Pensions Agency a new information mandate directed at parents.

No No — the reservations

Reservation 1 (C, MP)

The reservation (C, MP) calls for the Pensions Agency to be tasked with producing, together with bodies including maternity care, the Social Insurance Agency, the Tax Agency, banks and schools, information targeted at parents on how lifetime income affects their future pension. The reasoning is that making good choices about parental leave, part-time work and pension saving requires access to such information.

Summarised from the committee report. Party labels in the summary come from the report, not from the vote.

VSMPCLKDMSD
YesNoAbstainAbsent

What do the votes mean here?

Yes The committee proposal: rejecting the motions (keeping things as they are).

No Backing the counter-proposal: reservation 1 by C, MP.

Abstain The party marks a position of its own that is not one of the two final alternatives.

What each plan points to — and how the party voted

For each party: the vote its own election manifesto and party programme point to in this case, next to how the party actually voted. A plan can only point to Yes or No; a party can also abstain.

PlanVoteConfidenceEvidence
VNoYes 19/0/0/5departs from the planconfidence: lowderived
SNoYes 93/0/0/13departs from the planconfidence: mediumderived
MPown reservationNoNo 0/14/0/4follows the planconfidence: mediumderived
Cown reservationNoNo 0/20/0/4follows the planconfidence: mediumnot addressed
LNoYes 12/0/0/4departs from the planconfidence: mediumderived
KDNoYes 14/0/0/5departs from the planconfidence: mediumderived
MNoYes 60/0/0/8departs from the planconfidence: lowderived
SDNoYes 62/0/0/10departs from the planconfidence: mediumderived

Committee proposal

The Riksdag rejects the motions 2024/25:553 by Lorena Delgado Varas et al. (V) demand 5, 2024/25:676 by Jamal El-Haj (-) demands 1-3, 2024/25:727 by Helén Pettersson and Isak From (both S), 2024/25:1803 by Annika Strandhäll (S), 2024/25:2900 by Sten Bergheden (M) demands 1 and 2, 2024/25:3069 by Ardalan Shekarabi et al. (S) demand 9, 2024/25:3157 by Helena Vilhelmsson et al. (C) demand 53 and 2024/25:3158 by Martina Johansson et al. (C) demand 42.

Original (Swedish)

Riksdagen avslår motionerna 2024/25:553 av Lorena Delgado Varas m.fl. (V) yrkande 5, 2024/25:676 av Jamal El-Haj (-) yrkandena 1-3, 2024/25:727 av Helén Pettersson och Isak From (båda S), 2024/25:1803 av Annika Strandhäll (S), 2024/25:2900 av Sten Bergheden (M) yrkandena 1 och 2, 2024/25:3069 av Ardalan Shekarabi m.fl. (S) yrkande 9, 2024/25:3157 av Helena Vilhelmsson m.fl. (C) yrkande 53 och 2024/25:3158 av Martina Johansson m.fl. (C) yrkande 42.

Riksdag decision: The Riksdag said no to approximately 20 proposals concerning pensions in motions from the general motion period 2024. The proposals deal, among other things, with equal pensions, pension rights for child-rearing years, pensions for cultural creators and increased housing benefit. The Riksdag refers, among other things, to the fact that work is already underway in the areas covered by the proposals.

Counter-proposals

Plan vs actual vote

Every party, in chamber order: what its own plan pointed to, how it voted, and the reasoning behind both. Highlighted rows are where the two differ — but a vote that follows the plan is a result too, so the reasoning is there for every party.

VVänsterpartietNoYesdeparts from the planderived

The plan does not address information requirements to government agencies.

Plan documents: party programme · 2022 manifesto

Reasoning and quotes

The plan does not address information requirements to government agencies. The nearest principle is that the pension system shall be fair and equal and that low pensions are a gender equality issue where women suffer, together with the requirement for an individualized parental insurance. Based on that principle, the plan speaks for making the consequences of parental leave and part-time work visible to parents, even though the plan's own solution is to tear down the system rather than inform about it.

Original (Swedish)

Planen behandlar inte informationsuppdrag till myndigheter. Den närmast liggande principen är att pensionssystemet ska vara rättvist och jämställt och att de låga pensionerna är en jämställdhetsfråga där kvinnor drabbas, tillsammans med kravet på en individualiserad föräldraförsäkring. Utifrån den principen talar planen för att konsekvenserna av föräldraledighet och deltid synliggörs för föräldrar, även om planens egen lösning är att riva upp systemet snarare än att informera om det.

  • fair and equal pension systemdecisive»Vi vill se ett rättvist och jämställt pensionssystem som« (party programme ↗)“We want to see a fair and equal pension system that”
  • low pensions are a gender equality issue»De låga pensionerna är också en jämställdhetsfråga och rättvisefråga – en stor andel av fattigpensionärerna är kvinnor och invandrade.« (2022 manifesto ↗)“Low pensions are also a gender equality issue and a justice issue – a large proportion of poor-pensioners are women and immigrants.”
  • individualized parental insurance»Vänsterpartiet vill se en individualiserad föräldraförsäkring, med« (party programme ↗)“The Left Party wants to see an individualized parental insurance, with”
  • new pension system required»Vänsterpartiet vill ha ett nytt pensionssystem som inte gör människor fattiga och kräver därför att det nuvarande systemet rivs upp.« (2022 manifesto ↗)“The Left Party wants a new pension system that does not impoverish people and therefore requires that the current system is torn down.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

SSocialdemokraternaNoYesdeparts from the planderived

The election manifesto points out that too many pensioners, especially women, have too low pensions and makes increased pensions an equality issue.

Plan documents: 2022 manifesto · party programme

Reasoning and quotes

The election manifesto points out that too many pensioners, especially women, have too low pensions and makes increased pensions an equality issue. The party programme requires that women and men get equal rights to self-support and can distribute unpaid housework evenly. Information to parents about how parental leave and part-time work affect lifetime income and pensions serves both these explicit commitments, even though the plan does not mention such an assignment.

Original (Swedish)

Valmanifestet pekar ut att alltför många pensionärer, särskilt kvinnor, har för låga pensioner och gör höjda pensioner till en jämställdhetsfråga. Partiprogrammet kräver att kvinnor och män får lika rätt till egen försörjning och kan fördela det obetalda hemarbetet jämnt. Information till föräldrar om hur föräldraledighet och deltid slår mot livsinkomsten och pensionen tjänar båda dessa åtaganden, även om planen inte nämner ett sådant uppdrag.

  • low women's pensions must godecisive»Alltför många pensionärer som har arbetat ett helt yrkesliv, särskilt kvinnor, har för låga pensioner.« (2022 manifesto ↗)“Too many pensioners who have worked a full working life, especially women, have too low pensions.”
  • equal self-support»Män och kvinnor måste få lika rätt till egen försörjning och ett utvecklande yrkesliv.« (party programme ↗)“Men and women must have equal rights to self-support and a developing working life.”
  • evenly distributed unpaid work»måste få möjlighet att ta lika ansvar för hem, familj och barn och att jämnt fördela det« (party programme ↗)“must have the opportunity to take equal responsibility for home, family and children and to distribute it evenly”
  • pension one can live on»Vårt mål är att alla ska få minst 70 procent av slutlönen i pension.« (2022 manifesto ↗)“Our goal is that everyone should receive at least 70 per cent of final salary in pension.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

MPMiljöpartietNoNofollows the planderived

The plan wants women's lifetime earnings to match men's so that pensions are equal, and that the pension system's framework is analyzed with equality as a goal.

Plan documents: 2022 manifesto · party programme

Reasoning and quotes

The plan wants women's lifetime earnings to match men's so that pensions are equal, and that the pension system's framework is analyzed with equality as a goal. Information to parents about how parental leave and part-time work affect future pensions serves precisely that purpose, since the plan at the same time wants fathers to take out a larger share of parental leave days. The plan does not mention the Pensions Agency's mandate, so support is inferred.

Original (Swedish)

Planen vill att kvinnors livsinkomster matchar männens så att pensionerna blir jämställda, och att pensionssystemets regelverk analyseras med jämställdhet som mål. Information till föräldrar om hur föräldraledighet och deltid påverkar den framtida pensionen tjänar just det syftet, eftersom planen samtidigt vill att papporna tar ut en större del av föräldradagarna. Planen nämner inte Pensionsmyndighetens uppdrag, varför stödet härleds.

  • equal lifetime earningsdecisive»I vårt nya gröna folkhem kan kvinnor leva gott på ålderns höst när livsinkomsterna matchar männens.« (2022 manifesto ↗)“In our new green people's home, women can live well in old age when lifetime earnings match men's.”
  • equal pension system»Regelverken i dagens pensionssystem, såsom bromsen, premiepensionen och skattenivån, behöver analyseras så att pensionssystemet är långsiktigt hållbart och främjar jämställdhet och jämlikhet.« (party programme ↗)“The frameworks in today's pension system, such as the brake, premium pensions and tax levels, need to be analyzed so that the pension system is long-term sustainable and promotes equality and fairness.”
  • shared parental leave»dubblera pappornas uttag av föräldraledighet« (2022 manifesto ↗)“double fathers' use of parental leave”
  • raised minimum pensions»höja garantipensionen och reformera pensionssystemet med syfte att höja pensionerna« (2022 manifesto ↗)“raise the guarantee pension and reform the pension system with the aim of raising pensions”
CCenterpartietNoNofollows the plannot addressed

The election manifesto makes greater economic equality a commitment and specifically points out that parenthood shall not be an economic trap for women and that women have lower pensions than their contributions warrant.

Plan documents: 2022 manifesto

Reasoning and quotes

The election manifesto makes greater economic equality a commitment and specifically points out that parenthood shall not be an economic trap for women and that women have lower pensions than their contributions warrant. Providing information to parents about how lifetime income affects pensions is a direct means to counteract precisely this. The plan therefore supports the counter-proposal's demand.

Original (Swedish)

Valmanifestet gör större ekonomisk jämställdhet till ett åtagande och pekar särskilt ut att föräldraskap inte ska vara en ekonomisk fälla för kvinnor och att kvinnor har lägre pensioner än deras insatser motiverar. Information till föräldrar om hur livsinkomsten påverkar pensionen är ett direkt medel för att motverka just detta. Planen stöder därför motförslagets krav.

  • parenthood not an economic trapdecisive»Att föda barn ska inte stå i vägen för karriären och föräldraskap ska inte vara en ekonomisk fälla för kvinnor.« (2022 manifesto ↗)“Giving birth shall not stand in the way of a career and parenthood shall not be an economic trap for women.”
  • women's low pensions»Det handlar också om alla de pensionärer som bidragit till att bygga upp Sverige, men ändå har låga pensioner, inte minst kvinnor som slitit i arbetslivet och hemmet, men inte har pensioner som motsvarar deras insatser.« (2022 manifesto ↗)“It is also about all those pensioners who have contributed to building Sweden, but still have low pensions, not least women who have worked hard in working life and home, but do not have pensions corresponding to their contributions.”
  • economic equality»Vi ska dessutom leda Sverige till större ekonomisk jämställdhet.« (2022 manifesto ↗)“We shall furthermore lead Sweden to greater economic equality.”
  • pension system's fairness»Vi måste försvara pensionssystemets långsiktiga rättvisa och hållbarhet.« (2022 manifesto ↗)“We must defend the pension system's long-term fairness and sustainability.”
LLiberalernaNoYesdeparts from the planderived

The plan builds pension policy on the idea that work should pay and that the individual should be able to influence their future pension, and it identifies the difference in economic power between women and men as a central equality issue with unequal occupational pensions as an example.

Plan documents: party programme · 2022 manifesto

Reasoning and quotes

The plan builds pension policy on the idea that work should pay and that the individual should be able to influence their future pension, and it identifies the difference in economic power between women and men as a central equality issue with unequal occupational pensions as an example. Knowledge that strengthens the individual's ability to make their own decisions is a central liberal commitment. Information to parents about how lifetime income affects the pension therefore follows from the plan.

Original (Swedish)

Planen bygger pensionspolitiken på att arbete ska löna sig och att den enskilde själv ska kunna påverka sin framtida pension, och den pekar ut skillnaden i ekonomisk makt mellan kvinnor och män som en central jämställdhetsfråga med ojämna tjänstepensioner som exempel. Kunskap som stärker individens förmåga att fatta egna beslut är ett bärande liberalt åtagande. Information till föräldrar om hur livsinkomsten påverkar pensionen följer därför av planen.

  • lifetime income determines the pensiondecisive»Den enskilde ska alltid kunna förbättra sin kommande pension genom att arbeta längre.« (party programme ↗)“The individual should always be able to improve their future pension by working longer.”
  • equal pensions»En ojämställd arbetsmarknad gör att kvinnor oftast har mycket lägre tjänstepension än män – för att öka jämställdheten vill vi därför att en större andel av pensionen, precis som bilen och huset, delas vid en skilsmässa.« (2022 manifesto ↗)“An unequal labor market means that women usually have much lower occupational pensions than men – to increase equality, we therefore want a larger share of the pension, just like the car and house, to be shared in a divorce.”
  • knowledge gives empowerment»Bildning och kunskap stärker den enskildes egenmakt och förmåga att orientera sig och fatta egna självständiga beslut.« (party programme ↗)“Education and knowledge strengthen the individual's empowerment and ability to orient themselves and make their own independent decisions.”
  • economic equality»Skillnaden i ekonomisk makt mellan kvinnor och män är en central jämställdhetsfråga.« (party programme ↗)“The difference in economic power between women and men is a central equality issue.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

KDKristdemokraternaNoYesdeparts from the planderived

The party programme requires that the pension system be designed so that care of one's own child or reduced paid work during the early childhood years does not disadvantage either parent, while the system is based on lifetime income.

Plan documents: party programme

Reasoning and quotes

The party programme requires that the pension system be designed so that care of one's own child or reduced paid work during the early childhood years does not disadvantage either parent, while the system is based on lifetime income. Information to parents about how lifetime income affects the pension is a prerequisite for them to be able to make choices that do not harm them, and the plan wishes the support to families with children to make it economically possible for both women and men to prioritize time with the children. The counter-proposal's demands thus lie in line with the plan.

Original (Swedish)

Partiprogrammet kräver att pensionssystemet utformas så att vård av eget barn eller minskat förvärvsarbete under småbarnsåren inte missgynnar den ena föräldern, samtidigt som systemet utgår från livsinkomsten. Information till föräldrar om hur livsinkomsten påverkar pensionen är en förutsättning för att de ska kunna göra val som inte drabbar dem, och planen vill att stödet till barnfamiljer gör det ekonomiskt möjligt för både kvinnor och män att prioritera tid med barnen. Motförslagets krav ligger därför i linje med planen.

  • pension shall not disadvantage parentsdecisive»Pensionssystemet ska utformas så att vård av eget« (party programme ↗)“The pension system shall be designed so that care of one's own”
  • lifetime income principle»Pensionssystemet ska utgå från den livsinkomst« (party programme ↗)“The pension system shall be based on the lifetime income”
  • equal time with children»Det offentligas stöd till barnfamiljer ska vara så utformat att det blir ekonomiskt möjligt för såväl kvinnor« (party programme ↗)“Public support to families with children shall be designed so that it becomes economically possible for both women”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

MModeraternaNoYesdeparts from the planderived

The plan has an explicit goal of increased economic equality and notes that women have lower pensions and that increased self-sufficiency gives increased self-determination.

Plan documents: 2022 manifesto · party programme

Reasoning and quotes

The plan has an explicit goal of increased economic equality and notes that women have lower pensions and that increased self-sufficiency gives increased self-determination. Information to parents about how lifetime earnings affect pension is precisely a means for such self-determination in choosing parental leave and part-time work. The plan also values the work-line principle in the pension system, which presupposes that the connection between work and pension is known. The demand is therefore supported, but derived.

Original (Swedish)

Planen har ett uttalat mål om ökad ekonomisk jämställdhet och konstaterar att kvinnor har lägre pensioner och att ökad självförsörjning ger ökad egenmakt. Information till föräldrar om hur livsinkomsten påverkar pensionen är just ett medel för sådan egenmakt inför val om föräldraledighet och deltid. Planen värnar också arbetslinjen i pensionssystemet, vilket förutsätter att sambandet mellan arbete och pension är känt. Kravet stöds därför, men härlett.

  • increased economic equalitydecisive»Vi ska öka den ekonomiska jämställdheten« (2022 manifesto ↗)“We shall increase economic equality”
  • self-determination through self-sufficiency»Ökad självförsörjning ger ökad egenmakt.« (2022 manifesto ↗)“Increased self-sufficiency gives increased self-determination.”
  • women's lower pensions»Kvinnor tjänar fortfarande mindre, har lägre« (party programme ↗)“Women still earn less, have lower”
  • the work-line in the pension system»Vi värnar arbetslinjen i pensionssystemet« (2022 manifesto ↗)“We value the work-line principle in the pension system”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

SDSverigedemokraternaNoYesdeparts from the planderived

The election manifesto states that the income gap between men and women is greatest at retirement and that the pension system therefore needs to be reconstructed for more equal conditions.

Plan documents: 2022 manifesto

Reasoning and quotes

The election manifesto states that the income gap between men and women is greatest at retirement and that the pension system therefore needs to be reconstructed for more equal conditions. The plan also wants to facilitate private pension savings and counteract norms and systems that lock women into the home. Information to parents about how parental leave and part-time work affect lifetime income serves these commitments and is therefore supported by the plan.

Original (Swedish)

Valmanifestet konstaterar att inkomstgapet mellan män och kvinnor är som störst vid pension och att pensionssystemet därför behöver rekonstrueras för mer jämställda förutsättningar. Planen vill också underlätta privat pensionssparande och motverka normer och system som låser kvinnor till hemmet. Information till föräldrar om hur föräldraledighet och deltid slår mot livsinkomsten tjänar dessa åtaganden och stöds därför av planen.

  • equal pension conditionsdecisive»Pensionssystemet är därav i behov av en rekonstruktion för att skapa mer jämställda förutsättningar.« (2022 manifesto ↗)“The pension system is therefore in need of reconstruction to create more equal conditions.”
  • equal pensions»Verka för mer jämställda förutsättningar till bra pension« (2022 manifesto ↗)“Work for more equal conditions for good pensions”
  • own pension savings»Underlätta privat pensionssparande« (2022 manifesto ↗)“Facilitate private pension savings”
  • counteract locking women in»Både kulturella normer och bidragssystem som tenderar att låsa kvinnor till hemmet ska motverkas.« (2022 manifesto ↗)“Both cultural norms and benefit systems that tend to lock women into the home shall be countered.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

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Sources and documents

Documents under consideration

Source: The Swedish Parliament