Metal Income Protection (voluntary)
Metal Income Protection (voluntary) is individual income protection insurance from Dansk Metal. Requirements: member of Dansk Metal and Metal A-kasse. It covers up to 90 % of salary.
- Provider
- Dansk Metal
- Type
- Trade union – individual scheme
- Requires
- Member of Dansk Metal and Metal A-kasse
- Insurance company
- Alka
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- 0 or 1 month (General conditions of Alka)
- Qualifying period
- 9 months (General conditions of Alka)
- Payment period
- 6 or 12 months
- Age
- 18-60 years
- Minimum salary
- 26,700 DKK/month
- Price
- Calculated at Alka
Additional terms
- Min. 16 h / week, employer with Danish CVR
- Min.-Wage is Dansk Metals 2025-number
- In addition to the new free collective metal income protection insurance from 1 January 2027
- No kr-cap declared - max. 90% of salary after AM contribution including unemployment benefits
Sickness coverage
Tax deduction
Tax-deductible
Sources
- Dansk Metal: I will take out an income protection insurance
- Dansk Metal / Alka: Income Protection Insurance Folder 2026 (PDF)
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 →Do Dansk Metal members receive free income protection?
+
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 →