The risk contributions are used to fund the benefits payable in the event of disability and death.
The risks of death and disability are insured from 1 January of the year in which an insured person turns 18. The risk contribution is 2% of the insured salary. The employee pays 0.8% of this, with the employer contributing the remaining 1.2%.
Savings contributions do not become payable until the calendar year in which an insured person turns 21.