Occupational pension premiums during illness

When you are ill, you do not miss out on making contributions to your occupational pension. A special waiver of premium fund ensures this. This fund pays the premiums instead of your employer when you are unable to work.

You continue to earn money towards your retirement pension and maintain your other insurance coverage when you are ill and receive compensation from the Social Insurance Office, up until the age of 65.

If you have ITP 1

The waiver of premium applies to the same extent if you are ill:

  • if you are on full-time sick leave for more than 14 days, the insurance pays your insurance premiums for all of your occupational pension.
  • if you are on part-time sick leave, for example at 25 per cent, insurance premiums are paid for the part where you are on sick leave. Your employer pays the rest.
  • ITP 1 also has a waiver of premium from the first day where you receive parental benefit or temporary parental benefit (VAB).

If you have ITP 2

  • The fund pays premiums for all of your occupational pension, usually from the month after you have been on sick leave for 90 days. This applies regardless of whether you are on full-time sick leave, or work part-time, e.g. 25%.

If you terminate your employment while on sick leave

Your disability pension continues to apply just as it did before you terminated your employment if you employment ends while you are receiving disability pension:

  • If you have ITP 1, the contributions to your occupational pension continue at the same amount as your disability pension.
  • If you have ITP 2, the contributions to your occupational pension continue at the same amount as if you were working.