Na suécia a pensão de velhice premeia carreiras longas e incentiva a poupança.
Taxa de câmbio 1 euro igual a 9,0605 Kronor (12-12-06)
"Old-Age Benefits
Earnings-related old-age pension (old system): The pension is equal to 60% of average income above 40,500 kronor in the 15 best years of income. Income in years in which earnings were below 40,500 kronor is compensated at 96% for a single pensioner; 78.5% for a married pensioner.
The average income level for benefit calculation purposes varies from year to year.
The full pension requires at least 30 years of coverage. The pension is reduced proportionally for shorter periods of coverage.
Early pension: The pension is permanently reduced by 0.5% for each month the pension is taken before age 65. Deferred pension: The pension is permanently increased by 0.7% for each month of deferral if the pension is deferred until age 70.
Old-age pensions are subject to taxation.
Benefit adjustment: Benefits are adjusted annually according to changes in the wage index.
Earnings-related old-age pension (new system): The pension provided by the notional account is calculated using an annual index, based on the development of average wages (disability pension payments are counted as earnings for this purpose), plus an annuity factor depending on average life expectancy at the time of retirement for the appropriate age cohort and on a “norm” for the expected increase of average wages in future years. The pension payments are calculated by dividing total accrued pension assets by this factor.
Life expectancy is based on the most recent 5-year average of unisex life expectancy statistics.
The norm for the increase in average wages is set at 1.6%.
Old-age pensions are subject to taxation.
Benefit adjustment: Benefits are adjusted annually according to changes in the wage index.
Premium pension (new system):
The pension is based on contributions plus net returns converted into an individual, joint, fixed, or variable annuity. Old-age pensions are subject to taxation.
Benefit adjustment: Benefits are adjusted annually according to changes in the wage index.
Guarantee pension (old and new systems): If born in1938 or later, 84,561 kronor for a single pensioner (75,430 kronor for a married pensioner) with at least 40
years of residence and without an earnings-related pension. If born in 1937 or earlier, 86,602 kronor for a single pensioner (77,153 kronor for a married pensioner). Old-age pensions are subject to taxation.
Benefit adjustment: Benefits are adjusted annually in relation to changes in the consumer price index."
in "Social Security throughout the World" USA Social Security Administration and ISSA"

Contribuição
Insured person: 7% of assessable income (up to 359,115 kronor) for old-age insurance; no contribution for the survivor pension.

Employer: 10.21% of payroll for old-age insurance, plus 1.7% of payroll for the survivor pension.
Note: The combined total of contributions of the insured person and the employer (plus a small government appropriation for government employee pension rights for child care years, national service, and study periods) is 16% for the earnings-related component and 2.5% for the premium pension component.
Conclusão. Na Suécia também há tectos contributivos e a Segurança Social não está falida!