Cover for reduced earning capacity

If your earning capacity is reduced due to illness or accident, you or your employer can receive monthly benefits or you can be exempted from making contributions to your pension scheme for a short or long period.

Cover for reduced earning capacity

If your earning capacity is reduced due to illness or accident, you or your employer can receive monthly benefits or you can be exempted from making contributions to your pension scheme for a short or long period.

Do you have cover for reduced earning capacity?
You can see whether you have cover for reduced earning capacity in your pension fund statement in Netpension. Here, you can also see how much your earning capacity must be reduced in order for you to be entitled to benefits and/or waiver of contribution.

Netpension

How much can you receive in benefits?
The size of your benefits typically depends on the type of insurance you have. Normally, the benefits will correspond to your specific loss of income. That is, the difference between your salary before you became ill and your total income after you became ill. However, the amount of benefits will never exceed the cover specified in your pension scheme.

When will your insurance benefits be payable?
You will be entitled to benefits and/or waiver of contribution if your illness extends beyond your waiting period.

The waiting period is typically the current month plus three months, and that means that you will not be entitled to waiver of contribution or insurance benefits for the first three months of your illness. You can see the waiting period in your pension fund statement in Netpension.

Notify us as soon as possible

If you become ill or injured, and you expect to be absent for more than three months, you have to fill in and send a form to us. Then we will assess whether you are entitled to help and benefits via your insurance with us. If you have any doubt, please do not hesitate to call us on +45 70 33 37 13.

+45 70 33 37 13

We recommend that you notify us of your illness or injury as soon as possible – then you have a better chance of avoiding long-term sickness absence. We can help you maintain the connection to your workplace while you are ill and support you in the process.

This is the process

  1. You fill in a form about your illness or injury.
  2. We recommend that you fill in the form on your computer before you print and sign it
  3. You send it to us together with copies of your three last payslips and the decision stating that you receive public benefits. Also enclose the latest payment specification from the municipality for the benefit received by you or your employer.
  4. If you do not receive public benefits, your general practitioner has to fill in and sign a medical certificate.
  5. Your employer will be notified of the benefits if you have a company pension scheme.
  6. We will contact the public authorities if necessary – e.g. if we have questions about social security benefits.

We will keep you informed throughout the process so you know what happens.

 

Send your signed form

You can attach and send your documents directly to our claims department via this contact form:

Send files

This is the form you need to use

This is the form you have to fill in in order to receive insurance benefits. If have any doubt, please do not hesitate to call us +45 70 33 37 13.

Application for benefits

When you send the form to us, remember to enclose

  • a copy of your last three payslips
  • a copy of the decision if you have been approved for public benefits
  • copy of the latest payment specification if you or your employer receive public benefits.

If you do not receive public benefits
If you are not enrolled in a programme via the municipality (e.g. if you or your employer do not receive sickness benefits), you only have to send the form and payslips. Moreover, your general practitioner has to fill in a medical certificate.

Call us on +45 70 33 37 13 and tell us the name and address of your general practitioner so that we can send the certificate electronically.

+45 70 33 37 13

 

Send your signed form

You can attach and send your documents directly to our claims department via this contact form:

Send files