BUPL Collective Income Protection
BUPL Collective Income Protection is collective income protection insurance from BUPL. Requirements: member of both BUPL and BUPL-A – automatically included. It covers up to 90 % of salary with 600–3,500 DKK/month additional unemployment benefits.
- Provider
- BUPL
- Type
- Trade union – collective scheme
- Requires
- Member of both BUPL and BUPL-A – automatically included
- Insurance company
- LB Forsikring (Lærerstandens Brandforsikring)
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 3,500 DKK/month
- Minimum supplementary payment
- 600 DKK/month
- Waiting period
- Coverage from the first day of unemployment with benefit
- Qualifying period
- 6 months' membership / deposit + 6 months in a BUPL contractual post
- Payment period
- Up to 12 months - max. DKK 24,000 per payment period
- Price
- 27 DKK/month including fees and charges
Additional terms
- No coverage during parental leave
- Minimum 600 DKK/month applies to full-time insured persons with a salary above 27,344 DKK.
- Can be supplemented with LB Income Protection Insurance EXTRA
Sickness coverage
No payment during sickness and holiday where you do not receive unemployment benefit
Tax deduction
Tax-deductible
Sources
- BUPL: Income protection insurance
- LB Insurance: collective income protection
- BUPL: Terms of Income Protection Insurance 2024 (PDF)
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 does BUPL provide?
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BUPL has a collective income protection via LB Insurance for members of both BUPL and BUPL-A. It costs 27 DKK/month, covers up to 90% of the salary with 600- 3,500 DKK/month and a maximum of 24,000 DKK per payout period. You are covered after 6 months of membership. You want more, you can buy LB Income Protection Insurance EXTRA (1,000- 20,000 DKK/month) above.
See BUPL's Income Protection Insurance →See FAQ →