Spouse's or cohabitant's pension

On Min pension you can see how you are covered in the event of death. 

If you have a pension scheme in another company or bank, you can log on to PensionsInfo

Payment of the pension benefits starts on the 1. of the month after your death.

Yes, if your spouse/cohabitant is more than 20 years younger than you, the pension benefits are reduced with 2 percent for each year the age difference exceeds 20 years.

The pension fund applies provision periods on admission, substantial increases of the monthly contribution payments and changes to the pension scheme. You can read more here

In order for your cohabitant to be entitled to receive cohabitant’s pension benefits from P+, a number of conditions must be met:

• The cohabitation must have started before you reached age 70.
• The cohabitation has started at a time when you did not receive retirement or disability pension benefits.
• You do not have a divorced spouse entitled to spouse’s pension.
• You could have entered into a marriage or registered partnership with your cohabitant.

If you have a child together:

• Your cohabitant expects, have or have had a child with you. 
• Your cohabitant has shared home residence with you at the time of death or has previously shared home residence with you which has only ceased due to one of you being institutionalised, including in a house for the elderly.

If you do not have a child together:

• You have by a formal will, drawn up at least 3 months before the time of your death and not subsequently revoked, left your cohabitant a share of inheritance of at least the same amount as the indefeasible share to which a spouse would have been entitled.
• Your cohabitant has shared home residence with you during the 2 years preceding your death or has previously shared home residence with you for a period of at least 2 consecutive years, and the sharing of home residence has only ceased due to one of you being institutionalised, including in a house for the elderly.

Cohabitant’s pension is not an option under P+ Regulations 1983, former DIP Regulations 1.

In case of divorce, an ex-spouse may maintain the right to spouse’s pension benefits. This does not apply to an ex-cohabitant. You can read more about a spouse’s rights to maintaining the spouse’s pension benefits here

If an ex-spouse has maintained the right to spouse’s pension benefits, pension benefits cannot be paid to a cohabitant – not even when the conditions for payment of cohabitant’s pension benefits are met. Also, you cannot not opt out of the spouse’s pension as long as the ex-spouse is entitled to the pension benefits.

The monthly benefit is taxed as personal income, i.e. it is not subject to payment of labour market contributions (8 percent).

You can read more about the factors which may impact your pension here

You can choose that the spouse's/cohabitant's pension benefits account for up to 60 percent of your retirement pension benefits at age 68 or up to 60 percent of your salary at the time of accepting the agreement. 

It is possible to determine the size of the pension benefits on pension schemes under P+ Regulations 2019, P+ Regulations 2007, former JØP Regulations 2 and P+ Regulations 2011, former DIP Regulations 4 - unless:

• you are receiving pension benefits
• special rules apply for your pension scheme. 

Above-mentioned does not apply to pension schemes under P+ Regulations 1973, former JØP Regulations 1 and P+ Regulations 1983, former DIP Regulations 1. For pension schemes under P+ Regulations 1999, former DIP Regulations 2 the spouse's/cohabitant's pension benefits always account for 60 percent of the retirement pension benefits at age 65. After age 65 the spouse's/cohabitant's pension benefits correspond to 60 percent of the retirement pension benefits, you are entitled to.  

Kronedækning
If you choose that the spouse's/cohabitant's pension benefits should account for a specific amount, the pension is set up as a kronedækning. This may imply that the other pensions in the pension scheme are reduced.

On transition til dormant membership, a kronedækning is changed to a procentdækning. Read more about payment here

If you want to change the spouse's/cohabitant's pension or opt for it, please contact us

As a contributing member, you can also use Min pension

Yes, all monthly pension benefits in payment can change – both positively and negatively. The size of the benefits are normally determined annually.

Below, you can see the pensions that are paid monthly:

• Permanent and temporary disability pension
• Lifelong retirement pension
• Spouse’s pension
• Spouse’s or cohabitant’s pension
• Children’s pension
• Supplementary retirement pension
• Annuity certain

On the pension scheme you can see your types of pensions and how they are paid. You can read about the factors which impact on your pension benefits here