Gain an overview of your PFA pension plan

Your pension plan with PFA depends on which collective agreement you are covered by:

For employees covered by the collective agreement for Academic Staff

Savings

Savings standard* Options Read more 
PFA Invests Investment profile Medium

Investment profile Low and High

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

About market rate investments

About PFA Climate 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 
You Invest  Can be combined with PFA Invests and PFA Flexible You can choose to place all or part of your savings in You Invest  
PFA CustomerCapital Yes Can be deselected About PFA CustomerCapital
Savings type Up to DKK 65,500 (2025) is paid to a 10-year instalment pension. Any excess payments will be paid to a 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 with automatic adjustment where the insurance plan tops up to a maximum of 80 per cent of the salary excl. labour market contribution etc.  Automatically adjusted to 80 per cent of your salary level 

May change the level of coverage to 100 per cent of the salary excl. labour market contribution

Automatic adjustment can be deselected 

 About PFA Occupational Capacity 
PFA Occupational Capacity without automatic adjustment  60 per cent of your salary  You can increase your coverage up to 80 per cent of your salary or reduce the coverage to 30 per cent of your salary.  About PFA Occupational Capacity  
PFA Occupational Capacity
– regular payouts
(Academics with civil service pension scheme rights)

0 per cent of you salary

 

 Up to 80 per cent of your salary About PFA Occupational Capacity
PFA Occupational Capacity
– increased regular payouts of resource programme benefit (if you have PFA Occupational Capacity without automatic adjustment)

DKK 203,664 (2025)

Inclusive of PFA Occupational Capacity – regular payouts

    
PFA Occupational Capacity
– lump sum		 DKK 0  Up to 200 per cent of your salary  
PFA Critical Illness DKK 300,000 1 Minimum DKK 100,000 of your salary and maximum DKK 750,000 About PFA Critical Illness
PFA Critical Illness
– children		 DKK 0   Up to DKK 750,000  
PFA Life 300 per cent of your salary 2  Minimum 100 per cent of your salary and maximum  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 Incl. children's cover Cover for spouse or cohabiting partner About PFA Health Insurance
*The standard cover refers to the coverage you have if you have not made any changes to your pension plan.
1 Contractual employees and academics, who have become covered by the pension plan before 1 January 2019, have a standard coverage amounting to DKK 132,775. Employees who do not have a pension plan in PFA Plus will not have the possibility of increasing the coverage.
2  This cover applies to employees who were employed after 1 January 2019. Therefore, if you were employed before this date, you can see your coverage at My PFA. Employees who do not have a pension plan in PFA Plus will not have the possibility of increasing the coverage.

For employees covered by the collective agreement with Dansk Metal

Savings

Savings standard* Options Read more 
PFA Invests Investment profile Medium

Investment profile Low and High

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

About market rate investments

About PFA Climate Plus
PFA Flexible
– only available for employees with civil service pension scheme rights		 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 
You Invest   You can choose to place all or part of your possible voluntary payments in You Invest
If you have civil service pension scheme rights, you can choose to place all or part of your savings in You Invest
  
PFA CustomerCapital Yes Can be deselected  About PFA CustomerCapital
Savings type As a starting point, up to DKK 65,500 (2025) is paid to a 10-year instalment pension. Any excess payments will be paid to a 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 with automatic adjustment where the insurance plan tops up to a maximum of 80 per cent of the salary excl. labour market contribution etc. Automatically adjusted to 80 per cent of your salary level

May change the level of coverage to 100 per cent of the salary excl. labour market contribution

Automatic adjustment can be deselected

 About PFA Occupational Capacity
PFA Occupational Capacity without automatic adjustment  60 per cent of your salary  You can increase your coverage up to 80 per cent of your salary or reduce the coverage to 30 per cent of your salary.  About PFA Occupational Capacity 
PFA Occupational Capacity
– regular payouts
(Academics with civil service pension scheme rights)

0 per cent of your salary

 

 Up to 80 per cent of your salary About PFA Occupational Capacity  
PFA Occupational Capacity
– increased regular payouts of resource programme benefit (if you have PFA Occupational Capacity without automatic adjustment)

DKK 203,664 kr. (2025)

Inclusive of PFA Occupational Capacity – regular payouts

   About PFA Occupational Capacity  
PFA Occupational Capacity
– lump sum		 DKK 0  Up to 200 per cent of your salary About PFA Occupational Capacity  
PFA Critical Illness DKK 150,000 2 Minimum DKK 100,000 or maximum DKK 750,000 About PFA Critical Illness
PFA Critical Illness
– children		 DKK 0 Up to 750,000  
PFA Life 300 per cent of your salary 3  Minimum 100 per cent of your salary and maximum 800 per cent of your salary About PFA Life
Children's pension 0 per cent af din løn 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 the coverage you have if you have not made any changes to your pension plan.
1 Employees from the former Netdesign will not have access to reduce their occupational capacity cover.
2 Employees with civil service pension scheme rights who became covered by the pension plan before 1 January 2019 have a standard cover of DKK 132,775, employees from Netdesign have a standard cover of DKK 138,544 and employees with temporary cover during the waiting period until entry into the general pension plan have DKK 150,000. Employees who do not have a pension plan in PFA Plus will not have the possibility of increasing the coverage.
3  This cover applies to employees who were employed after 1 January 2019. Therefore, if you were employed before this date, you can see your coverage at My PFA. Employees who do not have a pension plan in PFA Plus will not have the possibility of increasing the coverage. Employees from the former Netdesign have a standard cover of 100 % of the salary and the possibility of increasing the coverage up to 800 %. Employees with temporary cover during the waiting period until entry into the general pension plan have a standard cover of DKK 956,000 and will not have the possibility of increasing the coverage.

For employees covered by the local branch of Lederne at TDC, Lederforeningen (LTD)

Savings

Savings standard* Options Read more 
PFA Invests Investment profile Medium

Investment profile Low and High

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

About market rate investments

About PFA Climate 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 
You Invest   You can choose to place all or part of your savings in You Invest  
PFA CustomerCapital Yes Can be deselected About PFA CustomerCapital
Savings type As a starting point, up to DKK 65,500 (2025) is paid to a 10-year instalment pension. Any excess payments will be paid to a 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 with automatic adjustment where the insurance plan tops up to a maximum of 80 per cent of the salary excl. labour market contribution etc.) Automatically adjusted to 80 per cent of your salary level

May change the level of coverage to 100 per cent of the salary excl. labour market contribution

Automatic adjustment can be deselected

 About PFA Occupational Capacity
PFA Occupational Capacity without automatic adjustment  60 per cent of your salary  You can increase your coverage up to 80 per cent of your salary or reduce the coverage to 30 per cent of your salary.  About PFA Occupational Capacity 
PFA Occupational Capacity
– regular payouts
(Managers with civil service pension scheme rights)

0 per cent of your salary

 

 Up to 80 per cent of your salary About PFA Occupational Capacity 
PFA Occupational Capacity
– increased regular payouts of resource programme benefit (if you have PFA Occupational Capacity without automatic adjustment)

DKK 203,664 (2025)

Inclusive of PFA Occupational Capacity – regular payouts

   About PFA Occupational Capacity 
PFA Occupational Capacity
– lump sum		 DKK 0 Up to 200 per cent of your salary About PFA Occupational Capacity 
PFA Critical Illness DKK 300,000 1 Minimum DKK 100,000 or maximum DKK 750,000 About PFA Critical Illness
PFA Critical Illness
– children		 DKK 0 Up to DKK 750,000  
PFA Life 300 per cent of your salary 2  Minimum 100 per cent of your salary3 or maximum 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 Incl. children's pension Cover for spouse or cohabiting partner About PFA Health Insurance

*The standard cover refers to the coverage you have if you have not made any changes to your pension plan.
1 Employees with civil service pension scheme rights and employees who have become covered by the pension plan before 1 January 2019 have a standard coverage of DKK 132,775. Employees who do not have a pension plan in PFA Plus will not have the possibility of increasing the coverage.
2  This cover applies to employees who were employed after 1 January 2019. Therefore, if you were employed before this date, you can see your coverage and your possibilities of increasing it at My PFA.
3 Employees who were covered by the plan during the period between 1 June 2014 and 31 December 2018 can reduce the coverage to 0 per cent.


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

Participate in a webinar or a free course

You may participate in a number of digital webinars where you can learn more about finances, investment, inheritance matters or pension planning etc. You can decide for yourself which and how many webinars you want to participate in. You can ask questions during the events, and you can subsequently make a request to receive all relevant materials. PFA customers can participate in webinars free of charge, you can sign up at pfa.dk.

You may also participate in physical courses on the planning of your late-life career and life in retirement.