Dansk Metal free income protection (new from 2027)
Dansk Metal free income protection (new from 2027) is collective income protection insurance from Dansk Metal. Requirements: fully paying member of Dansk Metal and Metal A-kasse – automatically included. It covers up to 90 % of salary with up to 4,000 DKK/month additional unemployment benefits.
- Provider
- Dansk Metal
- Type
- Trade union – collective scheme
- Requires
- Fully paying member of Dansk Metal and Metal A-kasse – automatically included
- Insurance company
- Not disclosed – see terms
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 4,000 DKK/month
- Waiting period
- 1 month (no payment in the first month of unemployment)
- Qualifying period
- Member of the Dansk Metal and Metal Unemployment insurance fund by 31.12.2026: none. Submitted from 1.1.2027: 9 months membership
- Payment period
- Up to 6 months
- Price
- Free – membership fees are also reduced by 100 kr./md. from December 2026.
Additional terms
- Only in case of involuntary unemployment
- Total maximum 90% of salary minus AM contribution
- Income protection applies from 1 January 2027 (Ritzau, 19.06.2026); the membership fee reduction applies from 1 December 2026
Sickness coverage
Tax deduction
Not applicable - the scheme is free
Sources
- Dansk Metal: Reduced membership fees and free income protection
- Ritzau: Dansk Metal lowers membership fees and launches new pay assurance (19.06.2026)
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 →Do Dansk Metal members receive free income protection?
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Yes, from 1 January 2027. Fully paying members of the Dansk Metal and Metal Unemployment insurance fund will automatically receive a free income protection of up to 4,000 DKK/month on top of the unemployment benefits for up to 6 months (first month of unemployment without payment). The quota will be reduced by DKK 100/month from December 2026. If you are a member by 31.12.2026, there is no waiting time; if you enter from 1.1.2027, you will have to wait 9 months.
See Dansk Metal Scheme →Sources: Dansk Metal: Reduced membership fees and free income protection
See FAQ →