The premium pension system has one of the world's most powerful discount models, giving pension savers the opportunity to save in UCITS-funds with substantially lower fund fees. This gives our pension savers an average 15-20% higher premium pension.

In 2015, the fund companies took out approximately 6.2 billion SEK in fees from our funds' shares. 4.2 billion SEK (67%) was paid back to the Swedish Pensions Agency and will be distributed back to the pension savers.

To enable the freedom of movement on the unified labour market of the EU, the Croatian Pension Insurance Institution (CPII) allows users to request and receive through the website (www.mirovinsko.hr) an electronic record (ERPS) of the data recorded in the CPII electronic database (information on the insuree's employment status).

Spinal injuries (paraplegic/tetraplegic patients) and/or traumatic brain injuries (cranial/brain trauma) confront not only the injured individual but also the family members, the service providers involved and the SUVA with great challenges.

The Croatian Pension Insurance Institute (CPII) receives the death data for Croatian pension beneficiaries residing abroad on the principle of delivered Life Certificates and letters received from the competent foreign pension institutions. That way, CPII receives the beneficiaries' death data after a certain delay thereby causing possible undue payments of pension amounts.

The extensive mailing of the Orange Envelope, the annual statement regarding the public pension system, to all pension savers, creates during one month a season for pension information.

The Orange Envelope is very well known. It shows the importance of working longer and it is a great platform to make pension savers, either via digital channels or through the Pension Agency's customer service, to get help to understand the full pension and to explain which behaviours lead to a higher or lower pension.

The Standard for Pension Projections aims to help the Swedish pension insurance industry serve its clients better.

The Standard provides a tool for consistent projections across the industry. Two guiding principles have driven the Standard:

We have developed three basic life situations for our customers: Save for retirement, Plan your retirement and Live with your pension. To think and plan for these situations helps us to provide better targeted information to our customers, develop the services they need and want, and also provides a natural starting point for our long-term planning. Our communication is also tailored to target groups within the framework of the respective life situations.

Over the past several years the National Sickness and Invalidity Insurance Institution (Institut national d’assurance maladie-invalidité (INAMI)) has been developing an active policy of occupational reintegration for persons receiving benefits under the invalidity insurance scheme.

The Message Manual is a brochure, in both printed and digital format, where the majority, and the most important, of our messages to pensioners and pension savers are expressed in a simple way. The manual is a support for all who have direct customer contact, so we can ensure that our messages are common and uniform. The preparation process of the Message Manual is also an easy and practical way to agree internally on what messages we wish to communicate externally.

The Orange Report - The Annual Report of the Swedish Pension System - is a means of spreading and presenting information and knowledge about how the Swedish public pension system works and performs.

The Orange Report combines common accounting principles and a specially developed method to be able to present the financial development of a public (and essentially pay-as-you-go financed) pension scheme.

The target groups for this system level information are: government, politicians, policy analysts, media and researchers.