Disability pension

When we have received all information necessary, we start assessing whether you meet the health-related requirements for receiving disability pension benefits.

If we assess that you meet all the requirements, we start by granting you temporary disability pension. This means that you receive disability pension benefits for a defined period. Most of the illnesses that result in an application for disability pension are temporary, and many people regain their ability to work and return to their job after some time (illnesses like stress, depression and concussion are examples of illnesses which do not necessarily result in permanent disability).

You can start receiving disability pension benefits no earlier than from the 1. of the month after your income has been discontinued.

You can read more about the factors which impact on your pension here

Yes, all monthly pension benefits in payment can change – both positively and negatively. The size of the benefits is normally determined annually.

Below, you can see the pensions which are paid monthly:

• Permanent and temporary disability pension 
• Lifelong retirement pension
• Spouse’s pension
• Spouse’s or cohabitant’s pension 
• Children’s pension 
• Supplementary retirement pension 
• Annuity certain

On the pension statement you can see your pension covers, and how they are paid. You can read about the factors which impact on your pension here 

On Min pension you can see your disability pension. You can find the Assumptions for calculation of pensions here

If you have pension schemes in other companies, you can log on to PensionsInfo

Payment of permanent disability pension benefits is discontinued when you are transferred to retirement pension. On Min pension you can see when payment of the disability pension benefits is discontinued.

The pension fund does not require health information, but applies provision periods on admission, substantial increases of the monthly  pension contribution and changes to the pension scheme. You can read more here

If you are subject to the pension fund’s group insurance, you are entitled to the group life insurance’s lump sum disability benefit if you are granted permanent disability pension before reaching age 62. You can read more here

You may also be entitled to payment from the accident insurance if you are granted permanent disability pension due to an accident. You can read more here

When you receive permanent disability pension benefits, each of your children receive monthly children’s pension benefits. The children’s pension benefits are paid until the child reaches the age stipulated in the Regulations. The children’s pension benefits are also paid to adopted children and stepchildren who are supported by you. You can read more about the children’s pension here

On Min pension you can see at what age payment of the children’s pension benefits is discontinued.

You can choose that the disability pension benefits account for up to 80 percent of your salary at the time of accepting the agreement. The disabililty pension benefits can always account for up to 100 percoent of the retirement pension. If you are or have been publicly employed, the disability pension benefits must at least account for 20 percent of your retirement pension benefits at age 68 or your salary at the time of accepting the agreement. 

It is possible to determine the disability pension benefits on pension schemes under P+ Regulations 2019, P+ Regulations 2007, former JØP Regulations 2 and P+ Regulations 2011, former DIP Regulations 4. However, this does not apply if:

• you are receiving pension benefits 
• special rules apply to your pension scheme. 

The above does not apply to pension schemes under P+ Regulations 1973, former JØP Regulations 1, P Regulations 1983, former DIP Regulations 1 and P+ Regulations 1999, former DIP Regulations 2.

Kronedækning
If you choose that the disability pension benefits should account for a specific amount, the pension is set up as a kronedækning. If your income changes significantly, you must contact us if you want to adjust the disability pension. A kronedækning may imply that the other pension benefits in the pension scheme are reduced.

On transition til dormant membership, a kronedækning is changed to a procentdækning. Read more about how the covers are paid here

If you want to change the disability pension, please contact us

You may have a paid job with usual work within your profession and at the same time receive disability pension benefits from the pension fund if the employment correspond to a maximum of 1/3 of normal working hours.

If the employment exceeds 1/3 of normal working hours, the pension fund will reassess the question of youar ability to work.

Flexi-job
A flexi-job is an offer to work on special terms for people with permanent limitations in their ability to work. If you are employed in a flexi-job, you will still be entitled to payment of disability pension benefits.

If you receive disability pension benefits from the pension fund and are employed in a flexi-job, you have the possibility of continuing payment of pension contributions to your pension scheme. If you become employed in a flexi-job, you must inform us and send a copy of the employment contract.

The pension fund may effect a deduction from your disability pension benefits if you have a salary income. We will inform you about the rules when you are granted disability pension.

From 1 January 2021 there are changed rules on deduction from the disability pension benefits if you have a salary or earned income of more than DKK 275,000 annually before tax.

Salary and earned income are salary income, including fees, surplus deriving from own business and public wage subsidies.

Deduction from 1 January 2021
If you have an annual salary or earned income exceeding the basic deduction of DKK 275,000, an amount equaling 75 percent of the difference between the income and the basic deduction is deducted from the disability pension benefit.

If you e.g. earn DKK 350,000 annually and receive DKK 200,000 in disability pension benefits annually, the deduction accounts for:

Example:

In this case, the deduction from the disability pension benefit accounts for DKK 56,250.

Should you do anything in relation to the new rules?
No. If you are receiving disability pension benefits from P+, we will contact you for information about whether you expect to receive other income. We may also need to get documentation from SKAT or have a copy of your company accounts if you are self-employed.

If you expect to have an income of more than DKK 275,000 annually before tax for the income year 2021, we adjust your current monthly pension benefits effective as from 1 January 2021.

The monthly pension benefits are taxed as personal income, i.e. they are not subject to payment of labour market contributions (8 percent).

If  you want to apply for payment of pension benefits, you must contact us. We will send you an application form, a declaration of consent, a medical certificate and a form related to children’s pension if you have children entitled to children’s pension benefits. You must complete the application form, the declaration of consent and the form re children's pension yourself, while your GP (general practitioner or attending medical specialist) must complete the medical certificate.

The GP sends the completed medical certificate to the pension fund, and we pay the fee. You must send the other documents to us which you can do here

Your GP may want you to send us the medical certificate – in any case, we settle payment of the fee with the GP.