PFA Occupational Capacity

With PFA Occupational Capacity, you are covered financially if you fall seriously ill and become unable to work. The insurance plan 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 sick leave, and, therefore, the insurance offers help with doing just that.


Types of payout

With PFA Occupational Capacity - regular payouts, you will receive monthly payouts, which typically will be a percentage of your current salary. Also, in most cases, PFA will take on the payments to your pension plan, meaning that both your savings and most of your insurance cover will continue unchanged while your occupational capacity is reduced. This is called payment protection cover (premium waiver).
As a rule, the monthly payout is a supplement to public benefits. Therefore, with sufficient coverage, you will in most cases be ensured a total financial compensation that almost corresponds to your salary before the reduction in your occupational capacity. However, the payout from PFA cannot exceed the selected coverage. Depending on which type of PFA Occupational Capacity you have, further limitations may apply. Therefore, it is important that you make sure that your coverage matches your situation and needs.
If your insurance plan includes increased regular payouts when job rehabilitation benefit has been granted, you can, in certain cases, get an increased payout if you become entitled to a public job rehabilitation programme as the authorities will set off the public benefits against the payout from PFA.
At My PFA, you can see whether you are covered by PFA Occupational Capacity – regular payouts, and, if that is the case, the maximum percentage of your salary you can receive. You can also see whether you have payment protection cover, how much of your pension payment that is covered by payment protection cover and whether you have the possibility of increased payouts during a job rehabilitation programme. 


When and for how long?

At the earliest, the payouts will begin and the payment protection cover take effect when we assess that your occupational capacity has been reduced to a sufficient degree for a period of time (generally 3 months).
To receive increased payout when job rehabilitation programme has been granted, you must furthermore meet the special conditions hereof. You can receive payouts for as long as it can be documented that your occupational capacity is reduced to a sufficient degree and you fulfil the other conditions.
In any circumstance, the payout will stop if we assess that your occupational capacity has improved to a degree that no longer qualifies for cover. The payouts and the payout protection cover will lapse when you reach the agreed retirement age at the latest.
At My PFA, you can see when your insurance plan lapses at the latest. You can also find the detailed conditions that apply to your insurance cover and that you need to fulfil in order to qualify for payout in the event of reduced occupational capacity and/or payment protection cover.

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 determine 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.


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.

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 municipality, 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 your sick leave, you are, as a rule, not entitled to any insurance benefits. However, we can choose to pay out the insurance benefit directly to your employer for a period of time if doing so may help you keep your job.