PFA Occupational Capacity

PFA Occupational Capacity ensures that you are covered financially if you fall seriously ill and are unable to work. The insurance gives you the possibility of receiving payouts if your occupational capacity is reduced. We know that it is important for most people to keep their job during a period of sickness absence, and, therefore, the insurance offers help with doing just that.

About PFA Occupational Capacity


Type of payout

You will receive monthly payouts, which typically will be a percentage of your current salary. Also, in most cases, PFA takes on the payments to your pension plan, meaning that both your savings and your insurance cover will continue unchanged while your occupational capacity is reduced. This is called payment protection cover (premium waiver).

Depending on how much your occupational capacity is reduced, you will receive either full or partial payouts from the insurance plan and full or partial payment protection cover. At My PFA, you can see whether payment protection cover is included in your plan and how big a percentage of your salary you will receive.


When and for how long?

At the earliest, the payouts begin and the payment protection cover takes effect when we assess that your occupational capacity has been reduced to a sufficient degree for at least 3 months.

You can receive payouts for as long as the reduction in your occupational capacity is documented. If our assessment shows that your occupational capacity has fully or partially improved, your payouts may be reduced or lapse.

In any case, the payouts and the payout protection cover will lapse when you turn 67 at the latest. At My PFA, you can see when your insurance plan lapses at the latest.


Your cover

You can see the specifics of your insurance plan in the terms and conditions, which you find at My PFA under Documents.

At My PFA, you can use our Insurance Guide to find out whether your level of insurance cover is sufficient.

Several factors influence whether your cover is sufficient to cover a loss of occupational capacity – such as whether you have kids, are married and how much money you make.
Log into My PFA 


If you need to use the Insurance plan

First step is to file your claim – you do so either online or by contacting us by phone.

We will contact you once we have received your claim.
Contact us at (+45) 70 24 50 01 
File your claim online 

Additional support if you fall ill or get injured

We are ready to help and support you so that your health will improve as quickly as possible. Naturally, we want your quality of life to be the best it can be, and we also want to help you keep your current job or return fully or partially to the labour market if possible. Being ill and, at the same time, having to navigate the available offers can be exhausting. Therefore, we offer to support you in a number of ways, such as:

  • Advice in connection with your contact with the public sector, including your local authorities, to ensure that you receive all relevant offers of treatment, rehabilitation therapy, etc.
  • Referring you to public offers and benefits and following up on medical recommendations concerning treatment
  • Referring you to private sector options
  • Coordinating appointments in the private and public healthcare system if you have PFA Health Insurance. Coordination ensures the best possible course of treatment. Find out whether you have PFA Health Insurance at My PFA.

If you are covered by PFA Occupational Capacity, you are automatically also covered by PFA EarlyCare, which offers help from the moment you give a notification of illness.

Read more about PFA EarlyCare  

If you receive salary during your sickness absence
If you receive salary from your employer during the illness period, you are, as a rule, not entitled to any insurance benefits. However, we can pay out the insurance benefit directly to your employer for a period of time if doing so may help you keep your job.