Pension Policy Display

type Policy = {
  // --- from ZEngagementBase ---
  id: string;
  createdAt: Date;
  updatedAt: Date;
  origin: 'ManualInput' | 'PensionsInfo' | 'Eskat' | 'Optiilo' | 'RaadTilBolig';
  name?: string; // max length 191

  // --- Policy fields ---
  owner: 'Primary' | 'Spouse';

  /** Fallback depot value; pension coverage depot value takes priority. */
  policyDepotValue?: number;

  /** Ignored if contribution on coverages are present. Currently not supported by calculation. */
  policyContribution?: {
    amount: number;
    to?: Date;
    paymentFrequency?: 'Yearly' | 'Monthly';
    isFromEmployer?: boolean; // ZContribution extends ZSimplePayment
  };

  coverages?: Array<
    | {
        // PensionCoverage
        id: string;
        createdAt: Date;
        updatedAt: Date;
        origin: 'ManualInput' | 'PensionsInfo' | 'Eskat' | 'Optiilo' | 'RaadTilBolig';
        name?: string;
        discriminator: 'PensionCoverage';
        owner: 'Primary' | 'Spouse';
        contribution?: {
          amount: number;
          to?: Date;
          paymentFrequency?: 'Yearly' | 'Monthly';
          isFromEmployer?: boolean;
        };
        initialValue?: number;
        payOutType?:
          | { payOutDate?: Date; payOutEndDate?: Date; discriminator: 'Annuity' }
          | { payOutDate?: Date; discriminator: 'LifeAnnuity' }
          | { payOutDate?: Date; discriminator: 'Sum' };
        taxCode?: 'One' | 'Two' | 'Three' | 'Five' | 'Seven' | 'Nine' | 'ThirtyThree';
        predefinedBenefits?:
          | Array<{ entryDate: Date; amount: number }> // ZAmountEntry
          | Array<{ amount: number; age: number }>; // ZAgeBasedAmountEntry
        /** Earliest payout age (TPUA — Tidligst Pensionsudbetalingsalder). */
        earliestPayoutAge?: number;
        /** True if the coverage is currently paying out. */
        isInPayout?: boolean;
      }
    | {
        // RiskCoverage
        id: string;
        createdAt: Date;
        updatedAt: Date;
        origin: 'ManualInput' | 'PensionsInfo' | 'Eskat' | 'Optiilo' | 'RaadTilBolig';
        name?: string;
        discriminator: 'RiskCoverage';
        owner: 'Primary' | 'Spouse';
        payOut?: { amount?: number };
        contribution?: {
          amount: number;
          to?: Date;
          paymentFrequency?: 'Yearly' | 'Monthly';
          isFromEmployer?: boolean;
        };
        riskCoverageType?:
          | 'AnnuityAtDeath'
          | 'AnnuityAtDeathToChildren'
          | 'LumpSumAtDeathTaxCode2'
          | 'LumpSumAtDeathTaxCode5'
          | 'LumpSumAtDisabilityTaxCode2'
          | 'LumpSumAtDisabilityTaxCode5'
          | 'AnnuityAtDisability'
          | 'AnnuityAtDisabilityToChildren'
          | 'CriticalIllness'
          | 'CriticalIllnessToChildren'
          | 'AccidentInsurance'
          | 'LumpSumAtDeathToChildrenTaxCode5'
          | 'UnknownInsuranceTaxCode5'
          | 'LumpSumAtDeath' // UK types
          | 'AnnuityAtDeath'
          | 'LumpSumAtDisability'
          | 'AnnuityAtDisability'
          | 'CriticalIllness'
          | 'AccidentInsuranceAtDeath';
        /** True if the coverage is currently paying out. */
        isInPayout?: boolean;
      }
  >;

  /** Provider-assigned identifier shown to the customer on statements. Independent of `id`. */
  externalPolicyId?: string;

  /** Structural/contractual classification. Undefined → treated conservatively (NeedsReview). */
  policyType?:
    | 'MarketRate'
    | 'Guaranteed'
    | 'BankDepot'
    | 'LaborMarketFund'
    | 'CommercialFund'
    | 'Selvpension'
    | 'LD'
    | 'IndexContract'
    | 'ATP'
    | 'Unknown';
};