A&TIL Income Protection Flex
A&TIL Income Protection Flex 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 60,000 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
- 60,000 DKK/month
- Waiting period
- 30 days
- Qualifying period
- 9 months
- Payment period
- Maximum 12 months per period of unemployment, maximum 36 months in total
- Age
- 18-59 years when taking out the policy - ends in the month of your 65 years of age
- Minimum salary
- 29,036 DKK/month
- Price
- From 89 DKK/month for low coverage
Price examples from the provider
- Unemployment insurance fund + Income protection insurance Flex for employees: DKK 521/month (approx. DKK 349 after tax) - coverage not disclosed
Additional terms
- Requirement: permanent employment of at least 80 hours/month during the 12 months before unemployment
- Also used by members of Finansforbundet, Dansk Socialrådgiverforening, Farmakonomforeningen and Konstruktørforeningen, whose unemployment insurance fund is A&TIL
- The cover is selected in steps of 2,000 DKK.
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, showed symptoms or was medically treated before taking out the policy
Tax deduction
Tax-deductible – automatically reported
Sources
- 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
- A&TIL Income Protection Flex
Last verified:
Related policies
Read more
Frequently asked questions
What is the qualifying period for income protection?
+
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?
+
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?
+
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 →