My job situation has changed

You will keep your seniority and continue to be covered under the insurance covers you are continuing. If you decide to continue your scheme within three months, you can keep your insurance covers without having to submit new health information.

If you change pension provider, you will often be subject to a waiting period, during which you will not be covered, so it may be an advantage to keep your insurance covers with us until you have ensured that you are covered by a new scheme.

If you are a Danske Bank customer, your Danica pension scheme gives you advantages under Danske Bank’s customer programme.

When you become unemployed, your employer’s contributions to your pension scheme cease. You should therefore focus on what is most important to you.

Your options

• You can continue your pension scheme and often keep your insurance covers with us at favourable prices and on attractive terms by making contributions yourself. Click here to learn more (In Danish only).
• You can also postpone your pension contributions.Click here to learn more.( In Danish Only)
• Finally, you can stop making pension contributions. Click here to learn more. (In Danish Only)

We recommend

Contact us so that we can discuss your options and how to best cover you and your family.

If you are receiving treatment via your health insurance when your employment ends, you can continue this treatment for a period of up to three months after your health insurance lapses.

If you expect to need treatment for a period of more than three months after your employment ends, it is important that you contact us to discuss your options to continue your health insurance.

When you lose your job because you have fallen ill or have had an accident, it is important that you notify us immediately. It is also important that you contact us in order to keep your insurance covers.

Your options

• You can continue your pension scheme and often keep your insurance covers with us at favourable prices and on attractive terms by making contributions yourself. Click here to learn more (In Danish only).
• You can also postpone your pension contributions. Click here to learn more (In Danish only).

We recommend
Report your claim in Netpension.
Keep your insurance covers so that you and your family are financially secure. It is particularly important that you keep your insurance covers if you are ill. If you terminate your insurance covers, you may not be able to provide us with satisfactory health information if you want to resume your insurance covers at a later date. Also, the prices and terms will not be the same.

When you become self-employed, your financial situation often becomes more uncertain. This is especially the case if you fall ill or lose your earning capacity for a period of time. We therefore recommend that you adjust your pension scheme and your insurance covers, so that you and your family have the best possible cover.

Your options

• You can continue your pension scheme on favourable terms through our partner Pension for Selvstændige. To do so, however, you must meet the conditions for becoming a member. You must also provide us with new health information. Click here to learn more about Pension for Selvstændige.
• You can also postpone your pension contributions. Click here to learn more. (In Danish only)
• Finally, you can stop making pension contributions.Click here to learn more (In Danish only).

We recommend

Feel free to contact us on+45 45 12 59 02 for advice regarding Pension for Selvstændige.

When you move abroad, it is a good idea to contact us, so that we can guide you on how to adjust your pension scheme to fit your new situation.

Please note that you will not be able to keep all your insurance covers, and there may be a limit as to how long you will remain covered when living abroad.

Are you considering moving abroad? Click here to learn more. (In Danish only)

If your employer has gone bankrupt, it is important that you contact the Employees’ Guarantee Fund (Lønmodtagernes Garantifond) as soon as possible to find out whether you can get compensation for unpaid salary, holiday pay and pension contributions.

Your options

• You can continue your pension scheme and often keep your insurance covers with us at favourable prices and on attractive terms by making contributions yourself. Click here to learn more. (In Danish only)
• You can also postpone your pension contributions. Click here to learn more (In Danish only). 
• Finally, you can stop making pension contributions. Click here to learn more (In Danish only). 

We recommend

• Contact the Employees’ Guarantee Fund as soon as possible to find out whether you can get compensation for unpaid salary, holiday pay or pension contributions.
• Continue making contributions to your pension scheme and keep your insurance covers, so that you and your family are financially secure if you fall ill, lose your earning capacity or die.

If your financial situation is such that you need money now, you may in certain cases have your pension savings paid out before the agreed date. In that case, you will be charged a higher tax rate and a larger administration fee to us.

Click here to learn more. (In Danish only)

If your entire amount of pension savings are paid out, your pension scheme with us will be terminated, and your insurance covers will lapse.

If you want to resume your contributions at a later date, you must provide us with new health information, and your prices and terms will not be the same.

Learn more about stopping your pension contributions (In Danish only)

Feel free to call us on +45 70 11 25 25, so that we can plan how your pension scheme is to continue. We can also inform you of your new prices and conditions.