Loss of earning capacity

This insurance cover can give you financial security and help you return to work if you fall ill due to, for example, stress, back problems or a life-threatening illness.

The insurance cover provides you with fixed monthly benefit payments when you no longer receive full salary payments from your employer. You can choose a cover of up to 80% of the salary you received before falling ill. In our recommendation, we will take any public benefits into account so that you do not pay for a higher coverage than needed.

As soon as we are informed of your absence, we will contact you to discuss the options you have under your insurance cover. In many cases, we will offer you a customised programme with one point of contact coordinating everything, for example physiotherapy, rehabilitation and job coaching.

See how you are covered today

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About one in five Danes will at one point in their working life use this insurance cover for a shorter period of time.
The insurance cover is a supplement to the public benefits so that your financial situation is not affected.

Facts about the insurance cover

  • How to define loss of earning capacity

    How to define loss of earning capacity

    Loss of earning capacity often occurs as a result of an accident or in situations where illness makes it difficult, or maybe even impossible, to manage the day-to-day work for an extended period of time. This could be due to, for example, back problems, stress or a life-threatening illness.

    The coverage in case of loss of earning capacity depends, among other things, on the length of the period of illness and what percentage of your earning capacity you have lost. The coverage is determined based on an individual assessment.

  • Who can take out the insurance?

    Who can take out the insurance?

    Anyone between the age of 18 and 55 who has a pension scheme with us and has submitted satisfactory health information can take out the insurance cover.

  • We help you

    We help you

    When we are informed of your absence, we will contact you to discuss the options you have under your insurance cover.

    In many cases, we will offer you a customised programme with one point of contact coordinating everything, for example physiotherapy, psychological treatment, rehabilitation and job coaching.

    Our social advisers can also often provide you with good advice on public benefits and your interaction with the municipal authorities.

  • Tax and waiver of premium

    Tax and waiver of premium

    Your insurance premiums are tax deductible. If you need to use your insurance cover, the benefit payments will be taxed as personal income.
    In the event that you lose at least half or two-thirds of your earning capacity for a limited period of time, you are entitled to a waiver of premium. Amount and period depend on how your insurance cover is set up. Apart from the waiver of premium, your pension scheme will continue as before.

  • We focus on correct benefit payments

    We focus on correct benefit payments

    When we – rarely and for specific reasons – suspect that the information given by our customers is incorrect, we are obliged to investigate the matter further.

    We do this to ensure that none of our customers receive benefit payments that they are not entitled to. If our benefits payments are unjustified, it may ultimately affect all other customers by making their insurance covers more expensive. For example, suspicion may arise if a customer informs us that he/she cannot walk but turns out to be actively jogging.

    In a few of the cases that we investigate, we may find it necessary to observe the customer. This is only to ensure that we discover the facts of the matter.

    Any observation will always take place in accordance with the applicable legislation and industry guidelines. Read more in Code on investigation of suspected insurance fraud cases.