Medical insurance is covered by the state. We have public pensions furnished by the state but those amount to very little on their own. 90 percent of Danish workers are covered by occupational pensions that are (usually doesn't have to be) a mix of a mandatory contribution by the employee and employer.

So the result is a percentage of your wages end up in this occupational pension that gets added to the public pension when you retire. But because our elderly are getting older, the age at which you can retire is getting pushed up and up.