Your pension plan with PFA

Other employees

Savings

SAVINGS	As STANDARD*	OPTIONS	READ MORE
Investing your savings	Investment profile C	Investment profiles A, B and D, as well as You Invest (with limitation), where you select the funds in which you want to invest your savings. You can choose to invest all or a part of your savings in PFA Climate Plus.	About investment in the market rate environment About PFA Climate Plus
PFA Optional	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 Optional. 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	If your income is under the limit of applicable top-bracket tax (DKK 588,900 in 2024), the savings will go to the basic old-age savings and then to instalment and life pension. If your income exceeds the applicable top-bracket tax limit, the savings will as a basic go to instalment pension.	You can also select instalment – or life pension. You can also select life pension or old age savings.	About savings types

Insurance cover

INSURANCE cover	As STANDARD*	OPTIONS	READ MORE
PFA Occupational Capacity – Regular payouts with automatic adjustment where the insurance plan tops up to a maximum of 100/80 per cent of the salary excl. labour market contribution etc.**	Automatically adjusted to your salary level	May change the level of coverage to 100/80 per cent of the salary excl. labour market contribution Automatic adjustment can be deselected	About PFA Occupational Capacity
PFA Occupational Capacity – Regular payouts without automatic adjustment	40 per cent of your salary	Can be increased to 80 per cent of your salary and reduced to 15 per cent of your salary
PFA Occupational Capacity – Increased regular payouts when job rehabilitation benefit has been granted		DKK 203,664 (2025)
PFA Critical Illness	DKK 150,000	Up to DKK 750,000	About PFA Critical Illness
PFA Critical Illness for children	DKK 0	Up to DKK 750,000
PFA Life – Employees with savings	100 per cent of your salary, min. DKK 350,000	Up to 800 per cent of your salary	About PFA Life
Children's pension	0 per cent of your salary	Up to 25 per cent of your salary
PFA Health Insurance		Cover for, children, 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.

Hourly-paid senior employees

Insurance cover

Insurance cover	As standard	Options	Read more
PFA Occupational Capacity – regular payouts	DKK 120,000	Up to DKK 160,000	About PFA Occupational Capacity
PFA Occupational Capacity - increased regular payouts of resource programme benefit	The size of the resource programme benefit follows the current public rate for resource programmebenefit for dependents
PFA Critical Illness	DKK 150,000	Up to DKK 750,000	About PFA Critical Illness
PFA Life	DKK 150,000	Up to 1,600,000	About PFA Life
PFA Health Insurance (Employees on contract for less than 8 hours are not covered by PFA Health Insurance)		Cover for children, spouse and/or cohabiting partner	About PFA Health Insurance

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 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

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