PFA Plus

PFA Plus has been developed for companies that want to offer their employees a complete and up-to-date pension plan. It includes savings and insurance cover all in one package – creating great value for both the employees and the company.

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4 strong reasons to choose PFA Plus

9 of the C20 companies already opt for PFA Plus

 

 

High returns

The savings are invested at the market rate of interest, allowing for a potentially higher return than a traditional pension plan.

Year after year, PFA has generated some of the highest returns in the industry.

The individual employee can decide how his or her savings should be invested.

 

Low costs

PFA Plus is a framework agreement, which lets your company benefit from economies of scale, such as low administrative costs and insurance prices, leaving more for savings.

 

Reliable insurance cover

Occupational capacity insurance, critical illness insurance and life insurance are included.

Additional insurance cover can be selected by both the company and the individual employee.

 

Flexibility

PFA Plus can be adapted to suit individual wishes and needs at both company and employee levels.

Simple and intelligible communication creates an easy overview.

Excellent self-service options make the plan easy to administer and use.

Well-designed implementation process.

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Pension savings and investment in PFA Plus

When your employees retire, they will have to live on their pension savings. That is why we have a strong focus on how we create the most value for their savings. PFA Plus offers your employees freedom of choice and opportunities for a high return.

PFA Plus allows for higher returns

In PFA Plus, savings are invested in the market rate environment. In recent years, PFA has had some of the highest returns in the industry.

Flexible investment concept

Our experience shows that employees want to have influence over how their savings are invested, and they feel more secure when investments match their own risk appetite. PFA Plus is therefore built to accommodate employees’ different attitudes towards risk. There are three investment profiles, which have different levels of risk and returnpotential. In all three investment profiles, the risk and thus the proportion of shares and similar investments are gradually reduced the closer the employee gets to retirement age. The gradual reduction continues after the employee has retired. Employees can also choose You Invest, where they get to choose which funds their savings should be invested in, or PFA Flexible, where employees choose their own risk profile, but without the option of automatic gradual risk reduction. 

Risk reduction:

 

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Insurance cover in PFA Plus

A complete pension solution also includes reliable insurance. PFA Plus allows the company to choose from a range of insurance plans that offer the employees everything from preventive initiatives to insurance in the event of illness or an accident. The insurance plans provide value to the individual employee as well as to the company’s bottom line.

As a starting point, PFA Plus includes the following insurance plans:

  • PFA Occupational Capacity with or without automatic adjustment
  • PFA Critical Illness
  • PFA Life

In addition, the company can choose to add PFA’s health insurance plan:

  • PFA Health Insurance

You may also offer your employees a professional smoking cessation programme through PFA Quit Smoking (PFA Rygestop).

PFA’s Health Centre offers advice to sick employees

Every day, PFA’s Health Centre answers the employees’ health-related questions.

Healthcare professionals offer advice on patients’ rights and social rights, making the course of treatment as efficient as possible.

The objective is to help the employees in the best possible way so that sickness absence to the extent possible is avoided or minimised. PFA Claims Centre gives a dedicated service to support employees that suffer from long-term illness.

Retention of employees on the labour market

Experience has demonstrated that a coordinated and cross-professional effort reduces the employee’s sick leave and, wherever possible, secures retention on the labour market. For the benefit of the employee as well as the company. Therefore, we make a special effort in this area.

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