New insurance for you

We want to make sure you have the insurance that is right for you. This is why you only get the option to buy the insurance if it makes sense for you and your finances. 

Among other things, we look at your salary. We do this because your salary helps us see if the insurance is relevant for you. If your salary shows that you are already well covered by the disability and senior pension insurance, you do not need the Loss of Earning Capacity insurance.

You must also meet an employment requirement. This means that for 24 out of the past 30 months, you must have worked for at least 28 hours a week.  

You will hear from us in mit.dk if you can buy the insurance. 

The Loss of Earning Capacity insurance is extra protection. It is mainly relevant if you have a higher salary, and it is therefore more expensive than your current disability and senior pension insurance. The money for the insurance is taken from your savings with us, just like your other insurances. This means your savings will be smaller when you buy the Loss of Earning Capacity insurance, and you will get less paid out in pension.

You can see how the insurance affects your pension in our calculator.

You can apply for a payout when you are granted sickness benefits, a flexi job, or public disability or senior pension. If your application is approved, you can receive your first payout from the insurance three months after you are granted sickness benefits.

Yes, the price can change if your salary changes. The price can both go up and go down.

The price of your Loss of Earning Capacity insurance is calculated as a percentage of your salary. We calculate your salary from the pension contributions we receive from your employer. If these contributions change, we assume your salary has changed. This can change the price of your Loss of Earning Capacity insurance.

If your salary goes down for three months in a row, it may no longer make sense for you to pay for the insurance. In that case, we will automatically change your coverage, so you get the disability and senior pension insurance instead.

You will get a message in mit.dk if we change your coverage.

We only offer you the insurance if it makes sense with your salary. This also means that if your salary goes down to a lower level, it may no longer be good for you to keep the insurance. In that case, you will be covered well enough by the disability and senior pension insurance, and by public benefits.

We will therefore adjust your insurance automatically. If your salary later goes up again, we will automatically give you your Loss of Earning Capacity insurance back.

You will get a message in mit.dk if we change your coverage.

Yes, you can buy the Loss of Earning Capacity insurance if you meet the requirements for the insurance.

Among other things, we look at your salary.  We do this because you should only buy the insurance if it makes sense for your finances. You must also meet an employment requirement. This means you must have worked at least 28 hours per week in 24 of the last 30 months.

You will get a message in mit.dk if you can buy the insurance.

You can consider if it makes better sense to have your Loss of Earning Capacity insurance with us. But there are several things you should think about before you decide. Call our advisers, and we can look at your options together.