Collective income protection - what trade unions do it have?

What is the difference between collective and individual income protection?

A collective income protection is included in your union membership, and all members are automatically included - e.g. HK (55 DKK/month), BUPL (27 DKK/month), Socialpædagogerne (50 DKK/month) and TL (105 DKK/month). A private (individual) income protection you buy yourself and choose cover and period. Collective schemes are cheaper because the risk is shared but typically only 80% for a maximum of 6 months.

What income protection does HK provide?

All fully paying members of HK Handel, HK Municipality, HK Private and HK State are automatically included in HK Collective Income Protection Insurance. It costs 55 DKK/month and covers 80% of the salary minus unemployment benefits for a maximum of 6 months, but not more than 38,292 DKK/month You must have 9 months of employment in the HK area.

What income protection does BUPL provide?

BUPL has a collective income protection via LB Insurance for members of both BUPL and BUPL-A. It costs 27 DKK/month, covers up to 90% of the salary with 600- 3,500 DKK/month and a maximum of 24,000 DKK per payout period. You are covered after 6 months of membership. You want more, you can buy LB Income Protection Insurance EXTRA (1,000- 20,000 DKK/month) above.

Do Dansk Metal members receive free income protection?

Yes, from 1 January 2027. Fully paying members of the Dansk Metal and Metal Unemployment insurance fund will automatically receive a free income protection of up to 4,000 DKK/month on top of the unemployment benefits for up to 6 months (first month of unemployment without payment). The quota will be reduced by DKK 100/month from December 2026. If you are a member by 31.12.2026, there is no waiting time; if you enter from 1.1.2027, you will have to wait 9 months.

Sources: Dansk Metal: Reduced membership fees and free income protection

Which income protection is cheapest?

There is no single cheapest income protection policy: the price depends on your salary and chosen coverage. Collective schemes have the lowest cost per member (e.g. BUPL 27 kr./md., HK 55 kr./md.), and Frie Lønsikring Gratis is included in Frie’s combined package. However, they provide less cover than most individual policies.