PFA Occupational capacity
If you fall ill and become unable to work, you have the opportunity to get paid up to the previous salary, however, the maximum amount of coverage. Your overall occupational capacity must be reduced to half or less, before you qualify for regular payouts from PFA Occupational Capacity. The insurance cover will be paid out until your occupational capacity is improved, however, no longer than until you reach the agreed retirement age. You can choose to increase your coverage to 80 per cent of your salary provided that you can submit satisfactory health information. Furthermore, you will get the possibility of receiving an extra annual payout of up to DKK 196,584 (2024) if you are eligible for public job rehabilitation benefit.
If you are employed in a flex job, you will receive regular payouts that, as a rule, let you keep your previous salary level. The payout is conditional upon you complying with the described conditions of payout, and the payout cannot exceed the size of cover included in your insurance plan.
Log on to My PFA and get a recommendation to the size of your occupational capacity insurance 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, PFA will make the payments to your savings plan. This way, you keep your insurance cover and can continue saving for retirement.
Add a lump sum as part of your insurance plan
If you are covered by the Collective Agreement for Salaried Employees in Industry, you have occupational capacity insurance, which ensures that you receive a lump sum of DKK 100,000 if your occupational capacity is permanently reduced by 2/3 or more for 12 months. You can increase your insurance cover to a maximum of DKK 500,000.
If you are not covered by the Collective Agreement for Salaried Employees in Industry, you can take out occupational capacity insurance, which ensures that you receive a lump sum if your occupational capacity is permanently reduced by 2/3 or more.
