Loss of ability to work insurance
Your insurance for loss of earning capacity can secure you financially if you become too ill to work.
Your loss of ability to work insurance represents a financial supplement to a public benefit or other income as a result of long-term sick leave of at least three months. You will need to meet the health and financial conditions in order to be eligible for payout.
Make a claim by selecting the situation that fits and then following the instructions.
You are self-employed
Please note that you may not be entitled to payout until three months after your ability to work and income have reduced by at least half. You can therefore only apply for payout after that.
In order to assess how much income you have lost, we need the following information, which you must attach to your claim. It is therefore a good idea to have these documents ready before making a claim.
- Tax assessments from SKAT for the three years before your first sick day.
- Preliminary personal tax information for this year.
- Annual accounts for your business(es) for the last three calendar years before your first sick day (non-published annual reports).
- Printout of the operating accounts (possibly a trial balance) for your business(es) from the first sick day until now.
- If you have salary income, we need: The last payslip for each of the three years before the first sick day, and the last payslip from each year after the first sick day.
- If you have been granted benefits from the municipality, we need the grant letter and payment specification.
Please note: If you have taken out coverage for loss of earning capacity with the option of payment to the employer and continue to receive full salary, you must initially submit tax assessments from SKAT for the three calendar years before your first sick day and payslips for 12 months before the first sick day and up to the present date. It is stated in your pension overview under the item “særlige bestemmelser” whether you have taken out coverage for loss of earning capacity with the option of payment to the employer. If you are in doubt, you are welcome to contact us.
Please be aware that the form is in Danish
You have a pension through your workplace
Please be aware that the form is in Danish
You have a personal pension scheme, through a bank, for example
You can see your cover on Min Pension or in Mobil AP. If you have personal insurance cover through our partnership with nærpension, please contact your bank.
What happens between making a claim and payout?
- You make a claim.
- If we need more information, we will obtain it from your doctor, municipality, etc.
- We now assess your claim.
- You will receive an answer as to whether or not you are eligible for payout.
- If you are, you will generally receive a payout – however, there are exceptions where you will not receive a payout even though you are eligible. Find out more about this in our FAQ at the bottom of the page.
Questions & answers
We have compiled an overview of the most frequently asked questions below.
FAQFAQ
Q: How do I claim?
A: Select a situation that matches yours on this page and then follow the instructions.
Q: What happens after I have made a claim?
A: Once we have received your claim, we will assess whether we need more information. If this is the case, we will obtain this information from your doctor and/or the municipality.
Sometimes we need more medical information and if this is the case you may be called for a medical examination by a specialist doctor. Our claims officer and, where necessary, a medical adviser will then assess the medical information. The claims officer will also assess any loss of earnings.
Once we have assessed your information, we will write to you informing you of our decision on your claim and whether the cover can be paid out.
Q: Why do you ask about my work/profession?
A: When we assess your ability to work, we look at your state of health and ability to maintain an appropriate income.
To begin with, we assess your ability to work in relation to your own profession. You may be entitled to payout in the event of loss of ability to work and exemption from contributions for a temporary period.
If you continue to be on sick leave, we will assess your general loss of ability to work no later than 18 months after the start of the restriction of benefit period. This may happen earlier if we consider that you can no longer return to your own profession due to your health. Here, we assess your ability to work in relation to both your own and other professions. We may therefore change our assessment even if your state of health remains unchanged.
Q: How much will be paid out?
A: Your payout depends on the type of insurance you have. Normally, the payout will correspond to the amount of income actually lost. This is the difference between the income you had before you became ill and the total income you have after becoming ill. However, the payout may never exceed the insurance cover you have. The rules that apply to your cover can be found in the insurance terms and conditions.
Q: Why do I have to disclose the cover I have with other companies?
A: We need this information because we normally offset payouts from other companies against your payout from us. This is because your total income must not exceed the income you had before you became ill. The rules that apply to your cover can be found in the insurance terms and conditions.
Q: What tax do I have to pay?
A: Your insurance contributions are tax deductible. Any insurance payout will be taxed as personal income.
Q: How long can I receive payouts?
A: If you are eligible for payouts, you will receive money from us every month as long as there is documentation that your ability to work is reduced to a degree eligible for cover and that your income has not changed. If your ability to work or income changes, we will consider the impact this may have, including whether payouts and exemption from contributions can continue unchanged.
Q: What are my obligations if I receive payouts from you?
A: You have a duty to contact us if there are changes to your income or health, such as:
- You are fully or partially fit for work
- You increase your working hours
- The level at which you are able to function changes compared to what you originally stated
- Your health is changing
- Your income increases or decreases – this applies to both new income and adjustment of already declared income
- You embark on a labor market-oriented initiative, such as an internship, job clarification process, resource building program, retraining, rehabilitation, being approved for flexi job, senior pension or early retirement.
In these cases, we will consider the impact this may have, including whether payouts in the event of loss of ability to work and exemption from contributions can continue.
Q: Should I talk to my municipality even if I have reported a claim to AP Pension?
A: Yes, you should. As a rule, you are obliged to limit losses in relation to your payouts from us. This means you must apply for any benefits from the public sector.
Q: What happens to my cover if I am made redundant or get a flexi job?
A: You should always contact us if your income situation changes.
Q: When will my payouts stop?
A: You can receive payouts as long as you are eligible or until the date when your insurance cover expires. You can see when this is on My Pension or in your pension overview – this will generally be when you retire.
Q: Where can I find my insurance terms and conditions?
A: You will have received your insurance terms and conditions in the mail or in e-Boks along with an overview of your cover. This could be when you got your pension scheme or if it has been changed subsequently.
You can see your cover in My Pension or in our app, Mobil AP, which you can find in App Store og Google Play Store.
If you are a customer of a financial institution through the partnership with nærpension or with other partners, contact your financial institution/partner if you have any questions about cover and insurance terms and conditions.
Q: Why am I not receiving payouts from you even though I meet the conditions?
A: Even if you meet the conditions, there are few cases where you will not receive payouts.
How much is paid out in the event of loss of ability to work depends on your income during your sick leave. Your total income (state benefits, salary, payouts from other insurance companies or other income), combined with your cover in the event of loss of ability to work, may not exceed your pensionable salary prior to your sick leave.
Therefore, if you do not receive payouts from us, it is generally because of your other income.