Frie Income Protection Boost
Frie Income Protection Boost is individual income protection insurance from Frie. Requirements: membership of Frie’s unemployment insurance fund. It covers up to 90 % of salary with 1,000–40,000 DKK/month additional unemployment benefits.
- Provider
- Frie
- Type
- Unemployment insurance fund – individual scheme
- Requires
- Membership of Frie’s unemployment insurance fund
- Insurance company
- FF Forsikring A/S
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 40,000 DKK/month
- Minimum supplementary payment
- 1,000 DKK/month
- Waiting period
- 30 days after cessation of work
- Qualifying period
- 5 months
- Payment period
- Up to 6 months (maximum 130 days) per unemployment period - maximum 3 periods
- Age
- 18-57 years when taking out the policy according to the Fries page (conditions say 58 years) - ends at 65 years
- Minimum salary
- 27,827 DKK/month
- Price
- From 34 DKK/month (+ unemployment insurance fund 555 DKK/month)
Additional terms
- Fixed employment, min. 16 hours / week
- Can be combined with Frie Income Protection Insurance Frie (see collective schemes)
- Conditions require continuous employment for 3 years before taking out the policy
Sickness coverage
Payments stop while you are fully or partly on sick leave. Illness known or medically treated during the 12 months before taking out the policy is excluded (except pregnancy).
Tax deduction
Tax-deductible as a general tax deduction with no cap (Frie)
Sources
- Frie: Income Protection
- Frie: tax deduction
- Frie: Insurance Terms Boost (PDF)
- Frie: Conditions and insurance conditions
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 →