Read more and self-services
Your ATP Livslang Pension will be paid out when you reach the Danish retirement age. Your retirement age depends on the date you were born.
As a pensioner living abroad, your ATP Livslang Pension is transferred to your bank account either each month or as a lump sum depending on how much money you have accrued.
Below, you can see the Danish retirement age:
|Date of birth||Danish retirement age|
|31 December 1953 or before||65 years|
|1 January 1954 - 30 June 1954||65½ years|
|1 July 1954 - 31 December 1954||66 years|
|1 January 1955 - 30 June 1955||66½ years|
|1 July 1955 - 31 December 1962||67 years|
|1 January 1963 - 31 December 1966||68 years|
|1 January 1967 or later||69 years|
The Danish retirement age may be changed by the Danish Parliament with a 15 years notice prior to the present retirement age.
Your ATP Livslang Pension will be paid out when you reach the Danish retirement age. Your retirement age depends on the date you were born.
It is not possible to have the ATP Livslang Pension paid out before reaching the Danish retirement age.This also applies if, for example, you awarded a disability pension, have a life-threatening illness or move to a another country than Denmark. The Danish retirement age depends on which year you were born in.
ATP Livslang Pension is payable when you have reached the Danish retirement age even though you are leaving Denmark. You cannot have your ATP Livslang Pension paid out earlier because of for instance: living abroad, disablement, earlier retirement age in another country or transferred to another pension scheme ect.
If you are staying outside Denmark by the time you reach the Danish retirement age we advise you to contact us in order for you to benefit from the rights and savings you have accrued.
We do not automatically receive changes of addresses abroad. Remember to inform ATP Livslang Pension of any new addresses abroad.
The amount of ATP Livslang Pension (Lifelong Pension) you can expect to receive depends on how much you have contributed over the years. When your contributions were made has a major impact on the size of the pension. Generally speaking the earlier a contribution has been made the more pension you will get from it. In other words, the size of the pension does not only depend on how much has been contributed, but also when.
Your pension overview shows how much you have contributed and how much you can expect to receive in pension from ATP. Regardless of when you check your pension overview, it will always provide the most accurate picture of what you can expect to receive.
If you are receiving ATP Livslang Pension you can see your disbursements here. See disbursements from ATP Livslang Pension.
Differences in the size of pensions
In order to get the highhest pension (DKK 26,200 for people who reach the state retirement age as a 66½-year old) you must have paid a full contribution from the age of 18 up to and including when you reach the state retirement age.
There may be various reasons for why your pensions is smaller than the highest pension. For example, if you were:
- taking an apprenticeship/traineeship before September 1977 when ATP contributions were not paid
- a public sector employee in periods since 1987, as some collective agreements specified that the highest ATP contribution was not to be paid
- self-employed, as it is voluntary for self-employed people to pay ATP contributions
- employed abroad, where as a general rule one does not pay ATP contributions
Check your contributions
You can have any potential errors in your contributions corrected within a subsequent 3-year period. It is therefor a good idea to check your personal information at least once per year. If you believe there are errors in your registered contributions, you must contact ATP. After 3 years, ATP no longer has the opportunity to correct potential errors in the registered contributions.
You can defer your ATP Livslang Pension.
If you defer your ATP Livslang Pension it will increase each month.
You can maximum defer your ATP Livslang Pension 10 years from your Danish retirement age.
YEAR 1 2 3 4 5 6 7 8 9 10
INCREASE 4% 7% 12% 17% 24% 32% 41% 51% 62% 76%
In the table you can see how much your pension increases when you defer the payment.
If you want to defer your pension, you must notify ATP Livslang Pension before the 5th of the month you reach the Danish retirement age. Your pension will be increased by a percentage. The rate is updated every year based on life expectancy and market interest rates.
The forecast is not a guarantee of the size of the pension when you receive it.
The size of the contribution depends on various rates.
Private-sector employers always pay A-contributions, which is the highest rate.
Public-sector employers pay A, B, C, D, E or F-contributions, depending on the collective agreement the employee are covered by.
Public-sector employers have paid B, C, D, E and F-contributions for most employees since 1 January 1988. A-contributions may be optional or mandatory (from either transfer income or full-time employment), while contributions based on the other rates always stem from full-time employment.
Since 1993, ATP contributions have been paid on various types of transfer income such as unemployment benefits, sick pay, welfare benefits etc. Certain groups such as early retirement pensioners and recipients of partial pension may choose to pay ATP contributions themselves. These contributions are also shown in the overview.
The contributions shown include the contributions made by the member as well as his/her employer, municipality, Udbetaling Danmark the Public Benefits Administration or unemployment insurance fund. However, self-employed people and recipients of early retirement benefits or benefits under the Danish flexi job scheme pay the full contribution themselves.
Contributions made prior to 1 January 2008 are reported on an annual basis only. See also rates from prior years:
You will be paid an ATP Livslang pension when you reach the retirement age and for as long as you live thereafter. You pay 1/3 of the contributions to ATP while your employer pays 2/3. You accrue a pension for the contributions that you make to ATP Livslang Pension. This pension can be increased if the ATP issues bonuses.
What does the ATP contribution go towards
There will be deducted social security contributions, risk contributions and bonus contributions from your contributions to ATP Livslang Pension(Lifelong Pension). The remaining part of the contribution will be used to purchase a pension at the applicable rate. The rate specifies how much of a guaranteed annual pension you can get for DKK 100.
The risk contribution goes to your risk covers ensures that your spouse or common-law partner and your children will receive a lump sum from ATP if you die.
The bonus contribution amounts to 20 per cent of the paid contributions and the bonus contribution goes to ATP bonus potential. The bonus potiental is used to increase the quaranteed lifelong pensions via bonuses and to cover longer than projected life expectancies so that ATP can quarantee lifelong pensions.
Almost everyone makes contributions to ATP Livslang Pension, and it is your employer or the state that makes them for you. You also pay even if you are not working. You will pay contributions to ATP if you:
- are a wage earner
- are aged 16 or more
- work in Denmark are posted by a Danish employer to work in another country on a short-term basis
- work at least nine hours per week
- receive a number of social benefits (transfer income)
Pensioners who work
You must pay ATP contributions as long as you are working, no matter how old you are. This means that you and your employer must pay ATP contributions for you - even if you have also begun receiving your ATP Livslang pension. Your ATP Livslang Pension is adjusted on an ongoing basis as you and your employer make contributions. In other words, the pension that you will receive will be larger if you work after you reach the retirement age.
Voluntary contributions to ATP
You can choose to make voluntary contributions to ATP Livslang Pension if you:
- are a self-employed person
- receive early retirement pension
- receive transitional benefit
- receive early retirement allowance under the flexible employment scheme
- receive disability pension (awarded before 1 January 2003
- receive partial pension
If you live in Denmark, your ATP Livslang Pension will automatically be paid to your NemKonto when you reach the state retirement age.
If you live abroad, you must request to have your ATP Livslang Pension paid to you and specify to which account you want it transferred.
ATP Livslang Pension is paid in advance and is paid on the last bank day of a month.
Shortly before you reach the Danish retirement age, you will receive a letter from ATP Livslang Pension.
Therefore, make sure that ATP has your address.
Our letter contains a form which you have to fill out with your bank information and return it to ATP.
If you are signed up for Digital Post you will receive your letter(s) in your digital mailbox.
See an English translation of the letter:
If you do not have an address in Denmark, please remember that ATP must have your address abroad in order to pay out your pension.
Choose a Danish or a foreign account
You decide whether you want your ATP Livslang Pension paid out to a Danish or a foreign bank.
If you have a Danish bank account the transfer will have no cost to you.
If you have a foreign account you must pay a fee.
The bank deducts a handling fee
Our banking agreement will charge up to 4,95 DKK per transfer, no matter which foreign country the money is transferred to. Your bank abroad may also charge a fee for receiving the money. Please contact your bank abroad regarding their fee.
Deferring your pension
You can choose to defer your pension. If you wish to do so, please tick the box "I wish to defer my ATP Livslang Pension to" on the form that you have received. Or by using our self-service. Read more in the section "you can defer"
This autumn you will receive a life certificate. If you fill out and return the life certificate to ATP Livslang Pension your pension will be paid out as usual.
ATP Livslang Pension cooperates with Udbetaling Danmark, International Pension. Therefore, if you receive state pension you will receive the life certificate from Udbetaling Danmark, International Pension.
We will stop your pension payments if you do not fill out and return the life certificate.
You will receive the pension amount either as a lump sum or a monthly payment.
The size of your ATP Livslang Pension (Lifelong Pension) determines how you receive ATP Livslang Pension (Lifelong Pension):
- If your ATP Livslang Pension amounts to more than DKK 3.100 per year before tax, you will receive your pension monthly for as long as you live.
- If your ATP Livslang Pension amounts to DKK 3.100 or less per year before tax, you will receive your pension as a lump sum.
ATP’s Supervisory Board may change the limit of DKK 3.100 in the future. Your payment may change from a lump sum to a monthly payment if you pay in more ATP contributions or postpone your retirement, thus increasing your pension.
You must pay taxes or duties from your ATP Livslang Pension
ATP Livslang Pension (Lifelong Pension) is taxable income. ATP Livslang Pension (Lifelong Pension) will automatically be notified of your tax percentage from the Danish Tax Agency.
If the Danish Tax Agency does not have information on your tax percentage, there will be deducted 55 per cent from your ongoing pension, cf. the Danish Withholding of Tax Act's Section 48(7).
If you are exempt from paying taxes on your ATP Livslang Pension (Lifelong Pension), you must contact the Danish Tax Agency and ask them to make an exemption from paying taxes for ATP Livslang Pension (Lifelong Pension)
There will be deducted 40 per cent in taxes to the state if you receive the money as a lump sum.
It is important for your dependents to contact ATP as we are not automatically informed about deaths that occur abroad.
Your dependents might be entitled to a lump sum. Dependents are:
- Cohabitants, and
- Children under the age of 18 or 21
40 per cent of the lump sum will be deducted as tax for Skattestyrelsen.
If you receive ATP Livslang Pension, payments will stop when you die, i.e. no one can inherit your pension.
See your disbursement in the event of death:
Payment in the event of a spouse dying
Most spouses can be paid a lump sum from ATP Livslang Pension when their partner dies.
If you have made contributions to ATP before 1 January 2002, then your spouse is entitled to a lump sum. The size of the lump sum first and foremost depends on how much you have contributed to ATP before 1 January 2002 and also on your age.
If you have only contributed to ATP after 1 January 2002, your spouse may be entitled to a lump sum of up to DKK 75,000 before tax to the Danish state. In order for your spouse to be entitled to the DKK 75,000, you must meet a number of conditions. The lump sum decreases by DKK 15,000 every year from the year after the deceases's state retirement age. The amount will lapse entirely five years after the deceased's state retirement age.
In order to make payment to a spouse ATP needs:
- A copy of the death certificate
- A copy of your marriage certificate, if you have changed your name in connection with your marriage, we need a certificate issued by a public authority stating the change of name and the date of the change
- Your signature confirming that you were still married at the time of her/his death
- Bank information
Payment to children in the event of death
As a general rule, ATP pays DKK 50,000 before taxes to the state for every child under the age of 21. The amount will be paid if the deceased died after 1 January 2002 and:
- has been with ATP for at least two years
- has paid what amounts to at least two full years of contributions to ATP
If the deceased does not meet these conditions but has paid ATP contributions before 1 January 2002, ATP will pay money to children under the age of 18. The amount is equivalent to one year's payment of the ATP Livslang Pension that the deceased had accrued before 1 January 2002.
If the child is under the age of 18, the money will be paid to the child's guardian.
Which children can receive the lump sum
The lump sum is only paid to biological or adopted children. A partner/spouse's children that are not the biological children or adopted children of the deceased do not qualify.
In order to make payment to children ATP needs:
- A copy of the birth certificates
- Information about who the guardian is for any children under the age of 18
- Bank information
Payment to cohabitant in the event of death
Most cohabitant are entitled to a lump sum in the event of the death. If you die before you reach the Danish retirement age, your cohabitant can receive DKK 75,000 before taxes. The lump sum decreases by DKK 15,000 every year from the year after you reach the Danish retirement age. The amount will lapse entirely five years after you reach the Danish retirement age.
Conditions for receiving payment
- You would have been able to get legally married during the last two years before the death. It is not enough to be separated, and you must also not be close relatives
- You have lived in relationship resembling a marriage
- You have shared the same registered address for the last two years before the death
- The deceased has been with ATP Livslang Pension for at least two years after 1 January 2002 and has made contributions equivalent to at least two years of full contributions to ATP Livslang Pension.
- The death occured no later than five years after the deceased's state retirement age. State retirement age depends on the year of birth.
In the event that you or your cohabitant have been living in an institutional setting (for example, a nursing home), then the requirement for a shared registered address must have been met for the last two years before the move to the institutional setting.
You must register as cohabitant
The amount will be automatically paid to you if your cohabitant is a resident of Denmark and your cohabitant will receive a letter if you are registered as cohabitant. It is therefor a good idea for you and your cohabitant to register as being cohabitant already now.
Register your cohabitant:
If you and your cohabitant were not resident in Denmark and were not registered with ATP as cohabitant, you need to complete a form to request payment of the lump sum
Here you can read about what ATP requires as valid documentation
Paying social security contributions
The social security contribution is a public tax of 8 per cent that wage earners or self-employed people must pay.
If you are liable for taxes in Denmark, then ATP is obliged to withhold the social security contribution part of the paid ATP contribution, cf. The Danish Withholding of Tax Act's Section 49 (D)(1).
If you are in doubt about whether you are tax liable in Denmark and must therefor pay social security contributions, you can contact the Danish Tax Agency via www.skat.dk and get specific advice.
From 1 January 2020, the state will pay a contribution to your pension if you are receiving one of the following Danish benefits:
- Unemployment benefit (arbejdsløshedsdagpenge)
- Maternity/paternity benefits (barselsdagpenge)
- Early retirement pension (efterløn)
- Holiday benefit (feriedagpenge)
- Flexjob contribution (flekslønstilskud)
- Early retirement allowance for beneficiaries of the subsidised flexible employment scheme (fleksydelse)
- Disability pension (førtidspension)
- Welfare benefits (kontanthjælp)
- Unemployment benefit for persons accepted onto a subsidised flexible employment scheme (ledighedsydelse)
- Resource course grant (ressourceforløbsydelse)
- Rehabilitation benefits (revalideringsydelse)
- Senior pension (senior pension)
- State Adult Education Grants (statens voksenuddannelsesstøtte)
- Supplement for fractional pension (Supplement til brøkpension)
- Sickness benefits (Sygedagpenge)
- Supplement to self-employed people with a reduced ability to work (tilskud til selvstændigt erhvervsdrivende med nedsat arbejdsevne)
- Education benefit (Uddannelseshjælp).
The contribution is paid to ATP and will become part of your ATP Livslang Pension.
You will be paid the pension when you reach the state retirement age. You cannot receive the pension before, even if you are, for example, on a disability pension, suffering from a life-threatening illness or move to another country.
How much is contributed?
The contribution to Obligatorisk Pensionsordning depends on the type of benefit that you are receiving. In 2020, there will be contributed an amount equivalent to 0.3 per cent of your benefit. The contribution will increase each year up to 2030, where the state will be contributing 3.3 per cent.
What is SUPP ?
The supplementary Labour Market Pension Scheme for Disability Pensioners (SUPP) is a pension to which you can elect to make contributions if you are receiving a Danish disability pension.
You will be paid your SUPP each month when you have reach the state retirement age. You can choose to have your SUPP paid out together with your ATP Livslang Pension or to have it paid by one of the following pension funds:
If your SUPP is administered by another pension fund than ATP, you must contact them.
If you have received a Danish overview of your ATP Livslang Pension, see an English translation of the letter.
If you are a pensioner, you get a letter every year with an overview of your pension payments.
See an English translation of the letter:
If you have received a Danish social security contribution letter, see an English translation of the letter.
Provide a power of attorney digitally - using NemID
When you give the power of attorney to another, this person can act on your behalf in relation to ATP Livslang Pension, including the Mandatory Pension Scheme and the Supplemental Labour Market Pension.
The person who is given the power of attorney can, among other things:
- View your expected pension from ATP Livslang Pension
- Defer your ATP Livslang Pension
- Register your common-law partner
- View the payments in the event of death for, if relevant, spouses/common-law partner and for children under the age of 18/21
- See your contributions and received payments
- Start your pension, change your address and register your account number if you live abroad.
The power of attorney only applies tol self-service solutions that are avaiable at www.borger.dk/atp. The power of attorney provides access to advice and offers the opportunity to act on your behalf over the phone, using Digital Post and by email and regular post when contacting ATP Livslang Pension.
Please note that the power of attorney is for a limited amount of time.
If you do not give a power of attorney digitally
If you do not have the opportunity to give a power of attorney digitally, you can send a written letter of attorney to ATP Livslang Pension. The person who gets the power of attorney will generally speaking be able to perform the same actions as with a digital power of attorney. If there are things that you do not want the power of attorney to apply for, you must specify this in the letter of attorney.
You must state the following in the letter of attorney:
- Your name and civil registration number
- Name and address of the person that you wish to provide with the power of attorney
- That the person in question is to given power of attorney to receive information about you and to act on your behalf in relation to ATP Livslang Pension
- Specify if the power of attorney is to expire on a certain date or if there are areas/functions that you do not wish to give the power of attorney for.
(If the power of attorney is only for one specific issue, for example, a payment to you in the event of a death, it is enough to specify this)
- The letter of attorney must be signed and dated by you.
ATP's customer ambassador
If you have suggestions for improvement or you are not completely satisfied, please contact ATP's customer ambassador. For example, this might be if you are not happy with the service you received or you feel that there are some things ATP can improve upon. Read about how you can contact the customer ambassador.
If you want to file a complaint
If you believe that ATP's decision on membership, payment or contributions is incorrect, you can complain to Ankenævnet for ATP m.m. (ATP's appeals board). You must send the complaint no later than four weeks after having received the decision from ATP.
Ankenævnet for ATP m.m.
Holmens Kanal 20
DK- 1060 Copenhagen K