Seniors
As you approach the age for retirement/early retirement, it is a good idea to get an overview of how much money you have saved up and how to get the most out of it. We can help you ensure that you have the kind of financial stability that meets your needs when you stop working.
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.

While you are still saving up
While you are still saving up
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Make a plan in good time – and get more for your money
Make a plan in good time – and get more for your money
The senior employee scheme can provide you with extra days off
The senior employee scheme can provide you with extra days off
Make a lasting power of attorney
Make a lasting power of attorney
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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.

Who can qualify for early retirement, and when?
Who can qualify for early retirement, and when?
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Stay longer in the labour market and earn a tax-free premium
Stay longer in the labour market and earn a tax-free premium
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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.

State pension
State pension
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Supplementary pension benefit (ældrecheck)
Supplementary pension benefit (ældrecheck)
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ATP
ATP
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Offsetting
Offsetting
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.

Highly flexible – you can decide for yourself
Highly flexible – you can decide for yourself
Learn more about starting your retirement
Learn more about starting your retirement
When you are using your savings
When you are using your savings
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.

About the health scheme
About the health scheme
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Stretching exercises for muscles and joints
Stretching exercises for muscles and joints
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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.

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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This is how your other assets will be distributed
This is how your other assets will be distributed
A will allows you to decide for yourself
A will allows you to decide for yourself
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Cohabiting partners – how to safeguard each other
Cohabiting partners – how to safeguard each other
Give gifts while you are still living
Give gifts while you are still living
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