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.

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Side-by-side comparison of LB Income Protection EKSTRA (BUPL) and 3F Income Protection
Terms	LB Income Protection EKSTRA (BUPL)	3F Income Protection
Requires	Member of BUPL and BUPL-A	Member of 3F and 3F A-kasse
Type	Trade union – individual scheme	Trade union – individual scheme
Insurance company	LB Forsikring (Lærerstandens Brandforsikring)	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	20,000 DKK/month	No DKK limit disclosed
Waiting period	Not disclosed – see terms	0 or 1 month (General conditions of Alka)
Qualifying period	6 months of insurance + 6 months of membership of BUPL and BUPL-A; 12 months of continuous work before unemployment	9 months
Payment period	Up to 6 months per benefit period	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	Terminates with the end of the calendar year you turn 65	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 income and chosen coverage	Calculated at Alka (70 30 05 07)
Sickness coverage	No payment during sickness and holiday where you do not receive unemployment benefit	Not disclosed – see terms
Tax deduction	Not disclosed – see terms	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.

LB Income Protection EKSTRA (BUPL)

Requires: Member of BUPL and BUPL-A
Type: Trade union – individual scheme
Insurance company: LB Forsikring (Lærerstandens Brandforsikring)
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: 20,000 DKK/month
Waiting period: Not disclosed – see terms
Qualifying period: 6 months of insurance + 6 months of membership of BUPL and BUPL-A; 12 months of continuous work before unemployment
Payment period: Up to 6 months per benefit period
Age: Terminates with the end of the calendar year you turn 65
Minimum salary: Not disclosed – see terms
Price: Dependent on income and chosen coverage
Sickness coverage: No payment during sickness and holiday where you do not receive unemployment benefit
Tax deduction: Not disclosed – see terms
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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