Det Faglige Hus Income Protection
Det Faglige Hus Income Protection is individual income protection insurance from Det Faglige Hus. Requirements: full-time member of Det Faglige Hus’s unemployment insurance fund. It covers up to 90 % of salary with 500–40,000 DKK/month additional unemployment benefits.
- Provider
- Det Faglige Hus
- Type
- Unemployment insurance fund – individual scheme
- Requires
- Full-time member of Det Faglige Hus’s unemployment insurance fund
- Insurance company
- Det Faglige Hus Forsikring (CVR 34723001)
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 40,000 DKK/month
- Minimum supplementary payment
- 500 DKK/month
- Waiting period
- 0 or 15 calendar days (you choose)
- Qualifying period
- 6 months
- Payment period
- 6 or 12 months (12 months requires Værdiplus) - max. 36 months in total
- Age
- 18-59 years for purchases
- Minimum salary
- 28,000 DKK/month
- Price
- Depends on age, type of job, coverage and in particular the municipality of residence
Price examples from the provider
- Carpenter, salary 29,000 kr., 15-day waiting period: 48.71 kr./md. (approximately 33 kr. after tax)
- Social and health assistant, salary 32,000 DKK, 15 days' waiting period: 139.75 DKK/month (approx. 94 DKK after tax)
- Office assistant, salary, DKK 38,000, 15 days of waiting period: DKK 337.69/month (approx. DKK 226 after tax)
Additional terms
- Not available to students or the self-employed, or if you have been unemployed or on a work-sharing scheme during the past 12 months
Sickness coverage
Also covers incapacity for work for certain diseases / accidents
Tax deduction
Tax-deductible
Sources
- Det Faglige Hus Forsikring: Income protection insurance
- Det Faglige Hus Insurance: Fact sheet (PDF)
- Det Faglige Hus Insurance: Conditions (PDF)
- Det Faglige Hus: Income Protection
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 →