f you have ITP 1 through your employment and choose to salary exchange, you lose provisions for your regular ITP 1 pension. Provisions for ITP 1 are calculated on the so-called cash paid gross salary.

In order for you not to lose any pension on a salary exchange, the corresponding amount is added to your salary exchange. This means that the premium that you lose to your regular ITP 1 provision is added to the premium that your employer pays for your salary exchange.