Insurance

Your pension scheme may include insurance cover for critical illness, the award of a subsidised flexi-job, the award of senior or early retirement pension, and death.

It is important that you have the right amounts of insurance coverage so that you and your family are provided for if anything should happen to you.

To that end, you can choose the amount you want to receive in insurance benefits.

Unemployment

If you become unemployed

If you lose your job, you will automatically retain your policies with us for one year after your employer ceases contributing to your pension. You can extend your policies for four more years.

If you have not found another job or if you have been ill for a long time, we recommend that you extend your policies.

How are you insured when the contributions lapse?

How are you insured when the contributions lapse?

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Call us on: +45 7012 1330

Weekdays 8.00 - 21.00

Critical illness

If you are diagnosed with a critical illness

Your critical illness insurance policy will provide you with a tax-free sum if you are diagnosed with one of the illnesses included in the insurance policy. This can be for example cancer, thrombosis or sclerosis.

What will you be paid?

What will you be paid?

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Call us on: +45 7012 1330

Weekdays 8.00 - 21.00

Which illnesses are covered?

Which illnesses are covered?

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Call us on: +45 7012 1335

Weekdays 8.00 - 21.00

How to proceed, if you are diagnosed with a critical illness

How to proceed, if you are diagnosed with a critical illness

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Weekdays 8.00 - 21.00

Free membership of patient associations

Free membership of patient associations

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Weekdays 8.00 - 21.00

When is the insurance policy not paid out?

When is the insurance policy not paid out?

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Weekdays 8.00 - 21.00

Subsidised job

If you get a subsidised job

If you are employed in a subsidised job, your employer will not make full contributions to your pension scheme. But we will top up the monthly contributions so that you save up just as much as previously. In that way, you are ensured a full pension even though your employer contributes less. We call this savings protection in the event of a subsidised job

Savings protection in the event of a subsidised job

Savings protection in the event of a subsidised job

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Weekdays 8.00 - 21.00

Who is not covered?

Who is not covered?

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Weekdays 8.00 - 21.00

Senior and early retirement pension

If you retire on senior or early retirement pension

Most members will receive a monthly amount if they are awarded senior or early retirement pension by their municipality

In addition, we will make monthly contributions to your pension savings account.

If you are awarded public early retirement pension, you may also receive a tax-free lump sum.

What will you receive in benefits?

What will you receive in benefits?

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Weekdays 8.00 - 21.00

You are still saving up for your retirement

You are still saving up for your retirement

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Call us on: +45 7012 1330

Weekdays 8.00 - 21.00

Resource programme – apply for benefits

Resource programme – apply for benefits

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Call us on: +45 7012 1335

Weekdays 8.00 - 21.00

Early retirement pension - apply for benefits

Early retirement pension - apply for benefits

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Senior pension – apply for benefits

Senior pension – apply for benefits

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Call us on: +45 7012 1331

Weekdays 8.00 - 21.00

You will keep your healthcare scheme

You will keep your healthcare scheme

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Weekdays 8.00 - 21.00

Vocational rehabilitation sum

If you are in a vocational rehabilitation programme

You can have half of your lump sum on early retirement disbursed if you have been in the vocational rehabilitation programme for more than one year.

This might allow you better opportunities to maintain your lifestyle even though your income has decreased.

What will you get disbursed?

What will you get disbursed?

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Hverdage 8 - 21

Resource programme – apply for benefits

Resource programme – apply for benefits

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Call us on: +45 7012 1335

Weekdays 8.00 - 21.00

Death

When you die

If you die before your pension is disbursed, your next of kin will receive your savings.

Your next of kin are guaranteed a minimum sum
If your savings are small, you have insurance coverage to ensure that your next of kin will receive a minimum amount, typically DKK 500,000.

How much will your surviving next of kin receive?

How much will your surviving next of kin receive?

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Weekdays 8.00 - 21.00

Who should receive the funds in the event of your death?

Who should receive the funds in the event of your death?

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Weekdays 8.00 - 21.00

If you die after retirement

If you die after retirement

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Information to next of kin

Information to next of kin

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Weekdays 8.00 - 21.00