Seniors

Prepare early

Plan your senior life

As you approach your senior years, you are bound to wonder how your new life is going to be. You may want to know:

• when you can retire and the amount of your benefits
• how small amounts can make a difference while you are still contributing to your pension
• who can make decisions for you if one day you are unable to do so yourself

Book a telephone meeting so we can help you make the most of your options.

Early retirement benefit

Know the rules that apply to you

You can receive the early retirement benefit for 3–5 years before you retire. Your date of birth determines when you can take early retirement and for how long.

It is your unemployment insurance fund (A-kasse) which pays out your early retirement benefit, and they are the ones you need to get in touch with if you want to take an early retirement.

Here you can see what you can expect to receive

Your income as a pensioner

As a pensioner, you can receive income from the state such as a basic state pension, a supplementary pension benefit (ældrecheck) and ATP.

The size of your pension savings has an impact on how much you receive from the state. If you have large savings, you will receive less from the basic state pension for example.

Retirement

The most flexible pension

You decide for yourself when you want money disbursed from your various pensions. From the date that you reach the retirement age, you can also begin using some or all of your pension.

How you choose to have your money disbursed will have an impact on how much tax you have to pay and how much you can receive in state pension and early retirement benefits, among other things.

So there are good reasons for making a sensible plan that will get you the most out of your pensions.

Possibilities in the health scheme

Denmark's best health scheme

When you have a health scheme with us, it provides you with quick access to physiotherapy, psychologists and a number of other treatments that could otherwise quickly end up being very costly.

Our nurses and social workers are with you throughout the entire course of your treatment. This ensures that you are in good hands if you should become ill.

If you die

Inheritance and pension

It is important to have a plan for what is going to happen to your assets when you pass away. There is a lot to consider, and so it's a good idea to start early.

Your pensions and insurance policies are paid out directly to your next of kin unless you decide on other beneficiaries.

Most of your other assets – for example, money in the bank, securities, your home and other things you own – you can distribute as you like when you create a will.