3F Income Protection
3F Income Protection is individual income protection insurance from 3F. Requirements: member of 3F and 3F A-kasse. It covers up to 90 % of salary.
- Provider
- 3F
- Type
- Trade union – individual scheme
- Requires
- Member of 3F and 3F A-kasse
- Insurance company
- Alka
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- Not disclosed – see terms
- 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)
Additional terms
- Minimum 16 h / week in the 9 months before
- Previous insurance seniority may be transferred
- No kr-cap declared - max. 90% of salary after AM contribution including unemployment benefits
Sickness coverage
Tax deduction
Tax-deductible
Sources
- 3F: 3F Income protection insurance
- Alka: Income protection insurance
- Alka: Fact sheet individual income protection
- Alka: Income protection insurance for 3F members 2026 (PDF)
Last verified:
Related policies
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Frequently asked questions
What is the qualifying period for income protection?
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The qualifying period is the time you must have had (and paid for) the insurance before you can get paid. It is typically 5-9 months: Frie 5 months, Ase / CA / Krifa / Det Faglige Hus / Lederne / GF 6 months, Djøf / Topdanmark / IDA / Alka / MA 9 months. If you are terminated during the period, you are not covered.
See FAQ →What is the difference between a waiting period and a qualifying period?
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The qualifying period runs from purchasing the policy until cover begins. The waiting period (karens or selvrisiko) is the number of days from becoming unemployed until payments start: for example, 28 days with Ase, 30 with CA and 45 with Djøf. Some providers use “karens” for the qualifying period, so read the terms.
See FAQ →Are income protection payments taxable?
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Yes. Income protection payments are taxed as ordinary A-income, but no labour market contribution (AM-bidrag) is payable on them. Income protection is therefore not tax-free.
Sources: A&TIL: Tax rules on income protection
See FAQ →