Unless otherwise agreed, disability pension disbursements begin after 12 months of continuous sick leave of at least 50%. The chosen annual sum insured is divided into monthly disbursements and lasts as long as you are at least 50% incapacitated for work or until the age of 67. Disability lump sum disbursements with advance payment start with a monthly advance payment of the sum insured when you have been at least 50% incapacitated for work for 12 months. The disbursement of the lump sum is made in its entirety after two years of being continuously incapacitated for work to at least 50% and the degree of disability is considered to be permanent. You can combine your disability pension and single payment permanent disability benefit to receive both monthly disbursements and a lump sum payment.