How to manage payout of your state pension

You can apply for payout of state pension at borger.dk. Once you have logged in, you will need to answer a few questions, and after three to six weeks you will receive an answer to your application.

Your state pension will not be paid automatically so therefore you need to apply for the money to be paid yourself. We send an email to our customers three to four months before they reach state pension age, reminding them to apply for their state pension.

If you do not have time to apply for state pension before the month in which you reach state pension age, it can be paid retrospectively, but only if you apply by the 10th day of the fifth month after you reach state pension age.

If, for example, you turn 67* in October, you must apply by March 10 of the following year at the latest in order to receive a state pension from November. If you do not apply until March 11, your state pension will not be paid retrospectively and you will not be entitled to state pension until April 1.

*State pension age depends on when you were born. Here we are using a state pension age of 67 – this applies to customers born in 1956.

You can receive a state pension from the age of 67 to 69, depending on when you were born. In addition, you must be a Danish citizen and a permanent resident of Denmark. Find out more about when you can retire and the conditions that have to be met.

The state pension consists of a basic amount and a pension supplement. Single people generally get more than married couples/cohabiting partners. If you have additional income, your state pension may be reduced. See rates for state pension or calculate your payouts.

You can apply to postpone your state pension. If you do so, you will receive more state pension in the form of a waiting allowance when your payouts start. In order to be able to postpone your state pension, you must be working at least 750 hours a year and be entitled to state pension.

If you work at least 1,560 hours a year in the first 12 months after reaching your state pension age, you can earn a tax-free senior premium of DKK 46,868 (2024).

If you also work at least 1,560 hours in the second year after you have reached the state pension age or perhaps only start working then, you have the option of receiving a senior premium of DKK 27,898 (2024).

Find out more about the senior premium here: Senior premium – if you are working (borger.dk)

If you receive a monthly pension from AP Pension alongside your state pension, your state pension may be reduced. If you receive payouts from a capital pension scheme/retirement savings scheme, this will not impact the amount of your state pension. Planning the order in which you start receiving pension payments can therefore have a major impact on your state pension amount.