A&TIL Income Protection Basis
A&TIL Income Protection Basis is individual income protection insurance from A&TIL (formerly FTF-A). Requirements: membership of A&TIL. It covers up to 90 % of salary with up to 7,500 DKK/month additional unemployment benefits.
- Provider
- A&TIL (formerly FTF-A)
- Type
- Unemployment insurance fund – individual scheme
- Requires
- Membership of A&TIL
- Insurance company
- Gjensidige Forsikring (Danish branch of Gjensidige Forsikring ASA), in cooperation with First
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 7,500 DKK/month
- Waiting period
- 30 days
- Qualifying period
- 9 months
- Payment period
- Maximum 6 months per period of unemployment, maximum 18 months in total (according to the Financial Association)
- Age
- 18-59 years when taking out the policy - ends in the month of your 65 years of age
- Price
- 150 DKK/month for the income protection - 671 DKK/month combined with unemployment insurance fund
Price examples from the provider
- Unemployment insurance fund + Income protection insurance base: 671 DKK/month (approx. 462 DKK after deduction)
Additional terms
- Example from A&TIL: pay 26,770- 35,678 DKK → up to 29,541 DKK/month total
- Also used by members of Finansforbundet, Dansk Socialrådgiverforening, Farmakonomforeningen and Konstruktørforeningen, whose unemployment insurance fund is A&TIL
Sickness coverage
Does not cover illness. If you are dismissed after illness or stress and declared fit for work while unemployed, you may be covered – not if the illness was known when taking out the policy
Tax deduction
Tax-deductible – automatically reported
Sources
- A&TIL: Income protection Basis - price
- A&TIL: Cheap Income Protection Insurance
- A&TIL: Terms and Conditions of Pay Insurance
- Finansforbundet: Income protection insurance
- Gjensidige: Product factsheet A&TIL Wage Protection (PDF)
- Konstruktørforeningen: Income protection 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 →
What income protection is available to social workers, pharmacy technicians, building professionals and finance employees?
+Members of Dansk Socialrådgiverforening, Farmakonomforeningen, Konstruktørforeningen and Finansforbundet use A&TIL as their unemployment insurance fund and can buy A&TIL income protection: Basis (150 kr./md., up to 7,500 kr./md. for a maximum of 6 months) or Flex (up to 60,000 kr./md. for a maximum of 12 months). The insurer is Gjensidige Forsikring.
See A&TIL Income Protection Insurance Flex →Sources: Dansk Socialrådgiverforening: Benefits as a member of the Unemployment insurance fund · Farmakonomforeningen: Unemployment insurance fund and unemployment · Konstruktørforeningen: Income protection insurance · Finansforbundet: Income protection insurance
See FAQ →