Frie Income Protection Gratis
Frie Income Protection Gratis is collective income protection insurance from Frie. Requirements: member of Frie’s unemployment insurance fund + trade union (704 kr./md. in total). It covers up to 90 % of salary with 3,000–7,500 DKK/month additional unemployment benefits.
- Provider
- Frie
- Type
- Trade union – collective scheme
- Requires
- Member of Frie’s unemployment insurance fund + trade union (704 kr./md. in total)
- Insurance company
- FF Forsikring A/S
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 7,500 DKK/month
- Minimum supplementary payment
- 3,000 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 of age when registering
- Minimum salary
- 27,827 DKK/month
- Price
- DKK 0 extra - included in unemployment insurance fund + union
Additional terms
- Coverage increases with seniority: DKK 3,000 at start, 4,000 after 6 months, 5,000 after 12 months, 7,500 after 18 months.
Sickness coverage
Payments stop while you are fully or partly on sick leave (except pregnancy-related illness)
Tax deduction
Not applicable - no separate premium (a-cash and trade union quota is deductible)
Sources
Last verified:
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- Is income protection worth the cost?
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 →