HK Collective Income Protection
HK Collective Income Protection is collective income protection insurance from HK (Handel, Kommunal, Privat og Stat). Requirements: fully paying HK member – automatically included. It covers up to 80 % of salary with up to 38,292 DKK/month additional unemployment benefits.
- Provider
- HK (Handel, Kommunal, Privat og Stat)
- Type
- Trade union – collective scheme
- Requires
- Fully paying HK member – automatically included
- Insurance company
- Owned by HK, administered by Alka
- Maximum overall coverage
- 80 % of salary
- Maximum supplementary payment
- 38,292 DKK/month
- Waiting period
- Coverage from day one unemployment
- Qualifying period
- 9 months of continuous employment within HK's territory + 9 months of payment
- Payment period
- Maximum 6 months (962 hours full-time / 780 hours part-time)
- Age
- Until state pension age
- Minimum salary
- 27,461 DKK/month
- Price
- 55 DKK/month - charged with membership fees
Additional terms
- 80% of previous earnings minus unemployment benefits - max. DKK 38,292/month (equivalent to wages of DKK 75,417)
- Min.-salary 2026: 27,461 DKK Full-time / 18,588 DKK part-time
- HK Trade: wages of DKK 25,364.72 or less do not pay - in return reduced membership fees
- Minimum benefit 643 DKK/month (2024 level)
Sickness coverage
Tax deduction
Tax-deductible
Sources
- HK: HK Collective Income Protection Insurance
- HK: Insurance conditions (PDF)
- HK: That's how much you can get out of HK Trade's Income Protection Insurance
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 →What income protection does HK provide?
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All fully paying members of HK Handel, HK Municipality, HK Private and HK State are automatically included in HK Collective Income Protection Insurance. It costs 55 DKK/month and covers 80% of the salary minus unemployment benefits for a maximum of 6 months, but not more than 38,292 DKK/month You must have 9 months of employment in the HK area.
See HK's income protection →See FAQ →