Compare two income protection policies side by side

Choose two policies and compare their terms side by side. All figures are verified against providers’ own websites; missing information is marked with a source link.

Last verified 1 October 2026.

Policy 1Policy 2

Side-by-side comparison of Income Protection for Lærernes a-kasse and 3F Income Protection
Terms	Income Protection for Lærernes a-kasse	3F Income Protection
Requires	Membership of Lærernes a-kasse	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	LB Forsikring (Lærerstandens Brandforsikring)	Alka
Maximum overall coverage	80 % of salary	90 % of salary
Maximum supplementary payment	20,000 DKK/month	No DKK limit disclosed
Waiting period	1 month after job loss	0 or 1 month (General conditions of Alka)
Qualifying period	180 days' waiting time after purchase; 12 months of continuous employment (at least 16 h / week) - 6 months for graduates	9 months
Payment period	6 or 12 months - max. 36 months total	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	Until state pension age	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	Not disclosed – see terms	27,830 DKK/month
Price	Dependent on salary and payment period	Calculated at Alka (70 30 05 07)
Sickness coverage	Also covers temporary incapacity for work - the waiting period of 180 days after purchase also applies here	Not disclosed – see terms
Tax deduction	Tax-deductible; payments are taxed as A-income	Tax-deductible
Caveats	Not disclosed – see terms	Minimum salary: 3F’s website states 27,830 kr.; Alka’s 3F brochure 2026 states 27,460 kr.

Bold writing = maximum amount added to unemployment benefits. Rows with coloured background distinguish the two schemes.

Income Protection for Lærernes a-kasse

Requires: Membership of Lærernes a-kasse
Type: Unemployment insurance fund – individual scheme
Insurance company: LB Forsikring (Lærerstandens Brandforsikring)
Maximum overall coverage: 80 % of salary
Maximum supplementary payment: 20,000 DKK/month
Waiting period: 1 month after job loss
Qualifying period: 180 days' waiting time after purchase; 12 months of continuous employment (at least 16 h / week) - 6 months for graduates
Payment period: 6 or 12 months - max. 36 months total
Age: Until state pension age
Minimum salary: Not disclosed – see terms
Price: Dependent on salary and payment period
Sickness coverage: Also covers temporary incapacity for work - the waiting period of 180 days after purchase also applies here
Tax deduction: Tax-deductible; payments are taxed as A-income
Caveats: Not disclosed – see terms

3F Income Protection

Requires: Member of 3F and 3F A-kasse
Type: Trade union – individual scheme
Insurance company: Alka
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: No DKK limit disclosed
Waiting period: 0 or 1 month (General conditions of Alka)
Qualifying period: 9 months
Payment period: 6 or 12 months - max. 36 payments in total (Alka's general terms)
Age: To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary: 27,830 DKK/month
Price: Calculated at Alka (70 30 05 07)
Sickness coverage: Not disclosed – see terms
Tax deduction: Tax-deductible
Caveats: Minimum salary: 3F’s website states 27,830 kr.; Alka’s 3F brochure 2026 states 27,460 kr.

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