If you fall ill and become unable to work, you may be eligible for regular payouts. Your overall occupational capacity must be reduced to half or less, and your earnings must be reduced by minimum 10 per cent to make you qualified for regular payouts due to reduced occupational capacity. The insurance cover will be paid out regularly until your occupational capacity is improved, however, no longer than until you reach the agreed retirement age.
The size of your coverage is a fixed percentage of your salary. If you have PFA Occupational Capacity with automatic adjustment, the coverage percentage will be adjusted to your salary level on a regular basis. If your salary level increases, your coverage percentage will automatically be increased, and correspondingly reduced if your salary level decreases. If you are not covered by automatic adjustment, you will, as a rule, have a coverage corresponding to 40 per cent your salary, and you have access to reduce the coverage to 15 percent and to increase it to 80 per cent of your salary.
If you are employed in a flex job, you can receive regular payouts that, as a rule, let you keep your previous salary level. The payout is conditional on your compliance with the described conditions of payout, and the payout cannot exceed the size of cover provided by your insurance plan.
Log on to My PFA and get a recommendation to the size of your occupational capacity insurance cover