CA Income Protection
CA Income Protection is individual income protection insurance from CA a-kasse. Requirements: membership of CA’s unemployment insurance fund. It covers up to 90 % of salary with up to 45,000 DKK/month additional unemployment benefits.
- Provider
- CA a-kasse
- Type
- Unemployment insurance fund – individual scheme
- Requires
- Membership of CA’s unemployment insurance fund
- Insurance company
- AmTrust International Underwriters DAC
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 45,000 DKK/month
- Waiting period
- 30 days from the date of unemployment
- Qualifying period
- 6 months
- Payment period
- 3, 6, 9 or 12 months
- Age
- 18-59 years at start - ends in the month you reach 65 ½ years
- Price
- From 56 DKK/month
Additional terms
- Fixed employee in Denmark, min. 80 hours/month in the 6 months before start
- Career advice and outplacement from day 1 after termination
- Requires 12 months of continuous employment before unemployment (IPID)
- New insurance conditions shall apply from 1 January 2026;
Sickness coverage
Also covers incapacity for work: 50% of the chosen benefit, tax-free, after a 30-day waiting period (1-month qualifying period). Excludes illness you knew or should have known about at purchase.
Tax deduction
Tax-deductible – CA reports to the Danish Tax Agency
Sources
- CA: Income protection
- CA: Insurance terms
- CA: Product information (IPID, PDF)
- CA: Insurance conditions from 1.1.2026 (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 →