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Pensions

Find out how the Danish pension system works, and what you need to think about if you live in Sweden and work in Denmark.

The Danish pension scheme

If you work in Denmark, you will earn a Danish pension, as long as you are a citizen in an EU/EEA-country. Danish pension is divided into three parts: one part is public, one is managed by the labour market, and one part is private.

Pension payment when working in Denmark

You apply for your pension in the country of your residence, for both the pension earned in Denmark and Sweden. The exception is if you have only worked in one of the countries. In that case, you must apply for your pension in the country where you received your income.

Danish old age pension and supplements

If you are an EU/EEA-citizen, you have the right to the Danish old age pension for the years you have worked in Denmark, without being a Danish citizen - but you do not automatically have the right to the full old age pension.

Danish labour market pension

You are not automatically covered by the labour market pension, or "company pension" as it is known in Denmark. It is therefore a good idea to check what is stated in your employment contract.

Private pension insurance in Denmark

Many Danish employees take out private pension insurance, which complements the other pension agreements that they have. In Denmark there are three types of pension insurance - alderspension, ratepension and livsvarig livrente.

ATP - arbejdsmarkedets tillægspension in Denmark

In addition to the state pension, ATP (Arbejdsmarkedets Tillægspension) Livslang Pension is paid out to everyone who has lived or worked in Denmark.

FAQ – about Danish pensions

Below we have listed some of the most frequent questions we receive about pension from people working in Denmark. Read the answers and see whether they answer your questions.

We can help you

You are always welcome to visit our Information Center in Malmö to get help with your questions regarding working, moving or studying in Denmark.

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