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We only offer you the insurance if it makes sense in relation to your salary. This also means that if your salary decreases, it may no longer be beneficial for you to keep the insurance. Instead, you will receive early retirement or senior pension insurance.

You will receive a notification in mit.dk if we change your coverage.

The Loss of Earning Capacity insurance provides better coverage than the early retirement and senior pension insurance. Therefore, it is more expensive. The cost of the insurance is deducted from your savings with us – just like your other insurance policies. This means that your savings will decrease when you purchase the Loss of Earning Capacity insurance – and therefore you will receive a lower pension payout.

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