Alka Income Protection for other unions
Alka Income Protection for other unions is individual income protection insurance from Dansk El-Forbund, Blik & Rørarbejderforbundet, ESL, Fødevareforbundet NNF, Serviceforbundet (via Min A-kasse). Requirements: member of a union + its associated unemployment insurance fund with an Alka agreement. It covers up to 90 % of salary.
- Provider
- Dansk El-Forbund, Blik & Rørarbejderforbundet, ESL, Fødevareforbundet NNF, Serviceforbundet (via Min A-kasse)
- Type
- Trade union – individual scheme
- Requires
- Member of a union + its associated unemployment insurance fund with an Alka agreement
- Insurance company
- Alka
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- 0 or 1 month
- Qualifying period
- 9 months
- Payment period
- 6 or 12 months - max. 36 payments total
- Age
- Until the end of the month you reach the retirement age
- Price
- Individual - calculated at Alka
Additional terms
- 90% is calculated from salary after the labour market contribution, minus unemployment benefits.
- Does not cover severance or fixed-term contracts
Sickness coverage
Tax deduction
Sources
- Alka: Income protection insurance
- Alka: Fact sheet individual income protection
- Alka: Conditions of insurance
Last verified:
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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 →