Djøf Income Protection
Djøf Income Protection is individual income protection insurance from Djøf. Requirements: djøf member + member of a recognised unemployment insurance fund. It covers up to 90 % of salary with up to 40,000 DKK/month additional unemployment benefits.
- Provider
- Djøf
- Type
- Trade union – individual scheme
- Requires
- Djøf member + member of a recognised unemployment insurance fund
- Insurance company
- Topdanmark (part of If Skadeforsikring)
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 40,000 DKK/month
- Waiting period
- 45 days
- Qualifying period
- 9 months
- Payment period
- 6 or 12 months per unemployment - max. 36 months in total; no payment after 64 years
- Age
- 18-59 years for purchases
- Minimum salary
- 29,036 DKK/month
- Price
- Depends on selected coverage
Additional terms
- Employees at least 16 t / week - self-employed at least 30 t / week
- Must not have been paid out from a similar insurance scheme in the last 2 years
- Free outplacement (value 15,000 kr.)
- Min.-Salary 34,057 DKK if you receive employment allowance
Sickness coverage
Tax deduction
The premium is tax-deductible; payments are taxable but exempt from the labour market contribution
Sources
Last verified:
Related policies
Read more
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 is available to academics?
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Academics can choose Djøf Income Protection Insurance (Topdanmark, up to 40,000 DKK), IDA Income Protection Insurance (Topdanmark, up to 60,000 DKK, also for AKA members), AKA Income Protection Insurance (Topdanmark), DM Income Protection Insurance (Alm. Brand) and MA Income Protection Insurance (AmTrust, up to 30,000 DKK).
Compare Academic Income Protection Insurance →See FAQ →