If you fall ill and become unable to work, you may generally qualify for payouts from PFA Occupational Capacity.
PFA Occupational Capacity provides cover in the event of both temporary and permanent reduction in the occupational capacity. Your occupational and earnings capacity must be reduced to 50 % or more in order for you to qualify for regular payouts in the event of a reduction in the occupational capacity. The insurance will be paid out until you attain the age of 65 or until your occupational capacity has improved.
You can increase your insurance cover to up to 80 per cent of your pensionable salary or reduce it to as little as 1 per cent. However, the cover cannot be less than DKK 198,300 (2022).
If you receive public job rehabilitation benefit, you will from now on be eligible for regular payouts of 80 per cent of your salary - regardless of your chosen cover.
Payment protection cover offers extra security
Your occupational capacity insurance also includes payment protection cover, which ensures that your pension plan will continue while you receive payouts from PFA Occupational Capacity. This means that PFA Occupational Capacity, PFA Critical Illness and PFA Life will continue, and, in addition, that PFA will take on the payments to your pension plan. This way, you keep your insurance cover and can continue saving for retirement.
Add a lump sum as part of your insurance plan
You can purchase additional insurance cover which ensures you a lump sum in the event that your occupational capacity is permanently reduced by 2/3 or more. You will receive the payout when your occupational capacity has been reduced for 12 months to the extent justifying cover. The cover can amount to DKK 500,000 at a maximum.
PFA EarlyCare ensures quick help
PFA EarlyCare is part of your insurance plan PFA Occupational Capacity and it offers you access to help from day one if you receive a notification of illness of 2 weeks or more.
For example, PFA EarlyCare offers help in connection with stress where early intervention can make all the difference. Furthermore, PFA EarlyCare offers help with all physical and mental illnesses. Failing to intervene at an early stage with help and guidance can have far-reaching consequences both personally, privately and at work.
How to use PFA EarlyCare
When you have a notification of illness of 2 weeks or more, you can contact the PFA EarlyCare Hotline at +45 70 12 50 00. Here you will be met by a team of Health Guides who are ready to listen and offer advice. The Health Guides are trained to create an individual PFA EarlyCare programme to ensure that you get through the illness the best way possible.
A holistic approach
A holistic approach ensures the most effective help. Therefore, the programme will address everything from diet and exercise to sleeping habits, well-being and mental health – regardless of the reason for the notification of illness.