You have resigned due to illness

You have resigned due to illness

Important if you have resigned due to illness

If you have resigned due to illness, it is particularly important to understand your insurance cover and the applicable deadlines. As part of your pension plan, you will generally have had occupational capacity insurance, which provides cover if your occupational capacity is reduced.

Have you been ill for more than 3 months?

Check your latest pension summary to see if you have PFA Occupational Capacity. Find your pension summary here

If you have been ill for more than 3 months, you may be eligible to apply for a payout due to reduced occupational capacity. 

Read more about how you file a claim and follow your case

If you have been diagnosed with a critical illness, you may be eligible for a lump-sum payout. PFA Critical Illness covers a range of serious diagnoses.

You can check whether your illness is covered by the insurance and apply for payout via My PFA


  
 

 
 
What happens when you have resigned?

When you leave your job, you keep your insurance cover for up to 3 months after payments to your pension plan have stopped. Before this period expires, you must decide whether you wish to resume your insurance cover.

If you have applied for payout due to reduced occupational capacity and your claim is approved, we will ensure that your insurance cover continues.

If you have filed a claim but have not yet received a decision, it is important that you still decide what to do before your insurance cover lapses. This ensures that you can keep your insurance cover if your claim is rejected.
 

Important information 

You will lose the option of resuming your insurance cover if you do not make a decision within the first 3 months and your application for payout due to reduced occupational capacity is subsequently rejected after your insurance cover has lapsed. 

If you are already ill, it may be difficult or impossible to take out new insurance cover with another pension provider. It can therefore be very important for your financial security that you make a decision in time.

See when your insurance cover lapses in the latest pension summary that we have sent you on My PFA

Before your insurance cover lapses, you have 3 options

1. Continue making payments and maintain your insurance cover

You can choose to continue making payments to your pension plan, thereby maintaining your insurance cover.

This means that:
• You will continue to be covered, even if your claim for payout due to reduced occupational capacity is rejected
• You continue saving for your retirement
• You make the payments yourself using an inpayment form, which can be registered for Betalingsservice
• Prices, costs and terms are changed.

The prices depend on your insurance plans.
See a price example

If you have applied for payout due to reduced occupational capacity, your claim will be assessed under the terms and conditions that applied when you left your job. If your claim for payout is approved, any payments you have made privately during the period will be refunded.

If you would like a quote for continuing your payments and keeping your insurance cover, please call us at (+45) 70 12 50 00.
  

2. Put your payments on hold

If your savings are sufficient, you can choose to put your payments on hold and use your savings to pay for your insurance plans for a period of typically up to 6 months.

This means that:
• To the extent possible, you retain your insurance cover without making payments to your pension plan
• The price of your insurance plans will be deducted from your savings
• Prices, costs and terms are changed
• Some insurance plans will lapse and cannot be resumed at a later date.

The price depends on your insurance cover. 
See a price example
 
This solution is temporary and, in many cases, may not be appropriate if you have resigned due to illness. This is because your options for maintaining or resuming your insurance cover at a later date may be limited.

If you would like a quote for putting your payments on hold and more information about your options, please call us at (+45) 70 12 50 00.
  

3. Take no action (pension plan without payments)

If you do not take action, your pension plan will be put on hold when your insurance cover lapses and it will automatically become a plan without payments. 
 
This means that:
• Your insurance cover will lapse, and you will no longer be able to resume it. If you have been ill, it may be difficult to take out new insurance cover.
• Your savings will be invested the same as today. Your investment costs depend on how your savings are invested.
• You pay administrative expenses of DKK 924 (2026) per year. The amount is deducted from your savings monthly.
 
Please note if you have limited savings
If you have limited pension savings without regular payments, there is a risk that administrative expenses may reduce or deplete your savings over time.
 
In this situation, it may be relevant to consider other options:
• You can choose to combine your pension savings with another pension company. Generally, a fee of DKK 2,195 (2026) will be charged for the transfer and you will lose the advantages you have with PFA.
• In certain cases, you can also choose to have your pension savings paid out. This is subject to a fee of 2,195 (2026) and a tax to the Danish state of up to 60 per cent.

Your advantages with PFA

As a PFA customer you have more advantages than you might imagine.

Some advantages provide you with value here and now, some advantages you can share with your immediate family and then some advantages are useful to know about if you should need them later on. 

See all your advantages here