Your pension plan with PFA

Your pension plan with PFA

  Your pension plan with PFA

  Savings

Savings Standard* Options Read more
Investing your savings Investment profile High, hereof 25 % will, as a rule, be placed in PFA Climate Plus

Investment profiles Low, Medium and You Invest

You can choose to invest all or a part of your savings in PFA Climate Plus and/or PFA Index Plus 
          

About Investment in the market rate environment

About PFA Climate Plus

About PFA Index Plus
 PFA Flexible Can be combined with You Invest 

If you do not want the risk to be automatically scaled down, you can choose to place all or a part of your savings in PFA Flexible.

In addition, you can choose to place all or a part of your savings in PFA Climate Plus.  

 About PFA Climate Plus 
PFA CustomerCapital Yes Can be deselected About PFA CustomerCapital
Savings type

As a starting point, up to DKK 68,700 (2026) is paid to a 10-year instalment pension. Any excess payments will be paid to a life pension.

If your salary is below the specified threshold when you are hired, the maximum possible amount will generally be paid to old-age savings*** followed by instalment pension and life pension 

Choose between instalment pension, life pension and old-age savings

 About savings types

 

  Insurance cover

Insurance cover Standard* Options Read more
PFA Occupational Capacity

Regular payouts with
automatic adjustment **

Regular payouts without
automatic adjustment

Increased regular payouts
when job rehabilitation
benefit has been granted

Automatically adjusted to your salary level


60 % of your salary

Automatic adjustment can be deselected

Can be increased to 80 % of your
salary and reduced to 40 % of your salary

DKK 203,664 (2026)
 About PFA Occupational Capacity
PFA Occupational Capacity
Lump sum 		DKK 0 (DKK 166,667 if you are covered by a collective agreement) Up to DKK 500,000 About PFA Occupational Capacity
PFA Critical Illness 33 % of your salary - however, minimum DKK 125,000 Up to DKK 750.000 About PFA Critical Illness
PFA Critical Illness 
children 
– up to age 24		 DKK 0 Up to DKK 750.000
PFA Life 300 % of your salary - however, minimum DKK 166,667 Up to 800 % of your salary About PFA Life
Children's pension 
– up to age 24		 0 % Up to 25 % of your salary About Children's pension
PFA Health Insurance  Incl. children's cover  Cover for spouse or cohabiting partner  About PFA Health Insurance 

* The standard cover refers to your cover if you have not made any changes to your pension plan.
** You will not be covered by the automatic adjustment if you take out coverage without tax deductibility (tax code 5 or Section 53 A), if your coverage is fixed as an amount in DKK or if your occupational capacity is reduced. This also applies if the insurance risk exceeds the maximum amounts PFA has reported to the Danish Financial Supervisory Authority.
*** If your pension plan is established on a date other than 1 January, payments made in the first year will go to instalment pension and life pension, and old-age savings will begin at the turn of the year. 

Get an overview at My PFA

Once you have received your pension summary, you have access to My PFA where you can follow your savings and returns etc. and plan for your future finances. At My PFA, you have access to prioritised recommendations for adjustments of your pension plan on an ongoing basis. Recommendations are marked in red, yellow or green and prioritised based on how much your insurance cover or investment profile differs from PFA’s recommendations and how important the recommendation is in relation to your age and life situation.

You can access My PFA using your smartphone, tablet or computer. The first time you log on, you need to use your NemID or MitID.

Log on to My PFA

A personal meeting or a quick phone call? 

If you need advice on your pension plan, you can easily book a meeting with PFA by clicking the link below and then finding a time of a meeting that suits you.

Before you book a meeting, you must update your contact information at My PFA (mitpfa.dk).

If you are newly employed, we recommend that you book a meeting when you have received your pension summary from PFA.

If you only have a few questions about your pension plan, you can get immediate answers by calling our advisory services centre at (+45) 70 12 50 00.

Book a meeting