Unfortunately, we are witnessing an unfavourable development in P+. An increasing number of our members fall so severy ill that they end up as disability pensioners. This has major human consequences - both for the individual and the relatives.

Throughout the past 5 years, the recipients of disability pension benefits in P+ has grown by 20 percent. Even last year 170 members of P+ were granted disability pension. 

It costs an average of DKK 11 million when a 40 year old member is granted disability pension. This development has resulted in a 40 percent increase in payment of disability pension benefits the past 5 years. Even last year, the pension fund paid almost DKK 250 million in disability pension benefits. And that is expensive for all members of P+.

In a collective insurance scheme, like the one in P+, increasing disability pension benefits equal increasing insurance premiums. And this means that a larger part of the members' contributions are used for payment of insurances instead of increasing the savings which can be invested and grow. 

Prioritisation of preventive health initiatives
If we ignore the problem, we risk that costs and insurance premiums increase further which makes it more expensive for all memebers.

This is a development that we cannot ignore. Neither from a human nor a financial perspective. Our most important and statutory objective is to ensure the members the highest possible pensions. Thus, we have launched a number of preventive health initiatives to turn around the development. 

In 2024, we expect to spend approx. DKK 9 million on our health initiatives. This equals an investment of DKK 8 per member per month on preventive initiatives. Of this approx. 50 percent are used for free access to both online doctor and psychologist. The other 50 percent are used for individual courses for members who struggle with e.g. stress or late complications after a concussion.

Considering that we paid almost DKK 250 million in disabililty pension benefits last year, this is a relatively modest investment that must contribute to keeping down costs. If we can avoid that just one member per year becomes permanently disabled, our overall preventive efforts are financed.