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Work · Sweden
Updated September 2026

🩹 I had an accident at work — who do I report it to, and what am I owed?

Direct answer

Report it to the employer the same day, in writing, and see a doctor stating it was a work accident — that label opens the accident-insurance route, which pays treatment, wages and, for lasting injury, a pension, without proving anyone's fault. Försäkringskassan — arbetsskada / AFA Försäkring (0771 524 524) is the accident insurer or fund for Sweden; the employer must notify them, and you can too. Arbetsmiljöverket / Arbetsdomstolen — via facket (010 730 90 00) investigates serious accidents and unsafe conditions; Ditt fackförbund (LO, TCO, Saco) (lo.se) makes sure the claim is filed right and represents you if the employer disputes it.

Call firstFörsäkringskassan — arbetsskada / AFA Försäkring
Report toArbetsmiljöverket / Arbetsdomstolen — via facket
If that failsDitt fackförbund (LO, TCO, Saco)

🗣️ What to say

"On [date] at [time] I had an accident at [place] while [task]: [what happened, injuries]. Witnesses: [names]. I ask you to record it as a work accident and notify the accident insurer today, and to send me a copy of the report."

🪜 Step by step

  1. Doctor, same daySay it happened at work. The medical record with that sentence is the basis of everything.
  2. Report to the employer in writingEven for "small" injuries — the ones that get worse are the ones nobody reported.
  3. Check the notification: Försäkringskassan — arbetsskada / AFA FörsäkringThe employer must notify within days; if they do not, notify the insurer yourself with the medical report.
  4. Witnesses and photosThe scene, the equipment, the missing guard. Before it is "fixed".
  5. Serious or unsafe: Arbetsmiljöverket / Arbetsdomstolen — via facketThe inspectorate investigates serious accidents and can order changes; your report protects colleagues.

📇 All contacts

Försäkringskassan — arbetsskada / AFA FörsäkringWork-injury report, compensation; AFA under collective agreementsAfter any work accident📞 0771 524 524🔗 www.forsakringskassan.se/privatperson/sjuk/arbetsskada
Arbetsmiljöverket / Arbetsdomstolen — via facketEmployer supervision; labour disputes via the union or the district courtFor breaches of working-environment and working-time rules📞 010 730 90 00🔗 www.av.se
Ditt fackförbund (LO, TCO, Saco)Negotiates and pursues wage and dismissal disputesRight away — join if you are not a member🔗 www.lo.se
1177 Vårdguiden / regionen — lista dig på vårdcentralFind a health centre, register, patient boardFor choosing a health centre and care questions📞 1177🔗 www.1177.se

❓ Frequently asked

The employer says not to report it

That is illegal and it costs you cover. Report it yourself to Försäkringskassan — arbetsskada / AFA Försäkring; the employer's refusal is itself reportable to Arbetsmiljöverket / Arbetsdomstolen — via facket.

What if it was my own mistake?

Accident insurance is no-fault: you are covered regardless. Only deliberate self-harm or gross drunkenness is excluded.

Accident on the way to work?

Commuting accidents are covered in most EU countries on the direct route. Report it the same way.

📎 Sources

Last checked: 2026-09-26

🔎 Common searches

Recognise your own search? The answer above covers all of these.

  • “accident at work report Sweden”
  • “work accident insurance claim”
  • “employer refuses to report accident”
  • “injured at work what am i owed”
  • “commuting accident covered”

🧭 Is this still correct?

We check this information carefully, but phone numbers, websites and rules change — and sometimes we get something wrong. Spotted a mistake or a change? Let us know below.

🔗 Related questions

🤒Sick and pressured→📄No contract→💼Unpaid wages→⚖️Unfair dismissal→

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