Income protection during illness, sick leave and sickness benefits

Generally, income protection covers unemployment, not illness while employed. Some products also cover incapacity for work, and some continue paying if you become ill while unemployed.

Last verified 1 October 2026.

Does income protection cover illness?

Generally, no: income protection covers unemployment, not illness while employed. Some products also cover incapacity for work: CA (50% of the benefit, tax-free), Lederne (after 30+ sick days), Business Danmark, Det Faglige Hus (certain illnesses), Lærernes a-kasse and DSA (temporary incapacity). Købstædernes Forsikring covers unemployment caused by illness. MA continues paying if you become ill while unemployed, while Krifa, Frie, BUPL and TL do not pay during illness. Illness known at purchase is usually excluded.

Can you get income protection while on sick leave?

You are not usually able to buy an income protection while you are on sick leave or are aware of a future termination. If you are already insured and are fired under sick leave, the coverage of the conditions depends - especially if the disease was known when purchasing (e.g. Ase: no medical visits for the same condition 12 months before purchase).

Can you receive income protection while receiving sickness benefits?

No, not ordinary income protection insurance, which requires you to be free to receive unemployment benefits. Only products with cover for incapacity for work - e.g. Lederne’s Løn- og Indtægtssikring, which pays when you meet the conditions for sickness benefit - can pay during illness.

Sources: Virksom/Lederne: Fact sheet (PDF)

What does income protection not cover?

Income protection insurance typically does not cover: own termination, expulsion, termination you knew about when buying, expiry of a fixed-term contract, termination agreements (Alka), unemployment within the qualifying period and periods without entitlement to unemployment benefits.

Relevant plans

Ase Income Protection

Membership of Ase’s unemployment insurance fund

Price: Package with unemployment insurance fund + trade union + income protection: 699 kr./md. (approximately 6,000 kr. on top of unemployment benefits). Higher salaries: individual calculation.
On top of unemployment benefits: max. 30,000 DKK/month

CA Income Protection

Membership of CA’s unemployment insurance fund

Price: From 56 DKK/month
On top of unemployment benefits: max. 45,000 DKK/month

Krifa Income Protection

Membership of Krifa unemployment insurance fund

Price: From 40 DKK/month
On top of unemployment benefits: max. 21,000 DKK/month

Det Faglige Hus Income Protection

Full-time member of Det Faglige Hus’s unemployment insurance fund

Price: Depends on age, type of job, coverage and in particular the municipality of residence
On top of unemployment benefits: max. 40,000 DKK/month

The price statements do not provide the selected coverage (DKK/month) - only use them as a measure of magnitude.

Frie Income Protection Boost

Membership of Frie’s unemployment insurance fund

Price: From 34 DKK/month (+ unemployment insurance fund 555 DKK/month)
On top of unemployment benefits: max. 40,000 DKK/month

A&TIL Income Protection Basis

Membership of A&TIL

Price: 150 DKK/month for the income protection - 671 DKK/month combined with unemployment insurance fund
On top of unemployment benefits: max. 7,500 DKK/month

A&TIL Income Protection Flex

Membership of A&TIL

Price: From 89 DKK/month for low coverage
On top of unemployment benefits: max. 60,000 DKK/month

Min A-kasse Income Protection

Membership of Min A-kasse

Price: Individual - calculated in Alkas calculator
On top of unemployment benefits: Not disclosed – see terms

Min A-kasse's current page says up to 90% and payout after 9 months, but the leaflet and Alka's fact sheets (2019) mention 80%, 30 days of waiting period and 12 months of qualification. We show the current page - check the conditions before purchase.

Lederne Income Protection

Member of Lederne, Lederne Spring or Lederne Virksom + Ledernes A-kasse

Price: From 40 DKK/month
On top of unemployment benefits: max. 60,000 DKK/month

MA Income Protection

Membership of MA

Price: The premium is 3.06% of the chosen monthly allowance
On top of unemployment benefits: max. 30,000 DKK/month

Income Protection for Lærernes a-kasse

Membership of Lærernes a-kasse

Price: Dependent on salary and payment period
On top of unemployment benefits: max. 20,000 DKK/month

DSA Income Protection

Membership of the DSA

Price: Depends on salary and coverage – calculated by Bauta
On top of unemployment benefits: max. 20,000 DKK/month

Business Danmark Income Protection

Membership of Business Danmark

Price: The premium increases 10% at 55 years and 25% at 60 years
On top of unemployment benefits: Not disclosed – see terms

IDA Income Protection

Member of IDA or Akademikernes A-kasse + member of a Danish unemployment insurance fund

Price: See IDA Insurance Price List
On top of unemployment benefits: max. 60,000 DKK/month

AKA Income Protection

Membership of Akademikernes A-kasse

Price: Members of the Djøf, IDA and Maskinmestrenes Forening get better prices through their own agreements
On top of unemployment benefits: max. 40,000 DKK/month

The AKA page does not indicate any waiting period, qualifying period or age - see Topdanmark conditions.