Income Protection for Lærernes a-kasse
Income Protection for Lærernes a-kasse is individual income protection insurance from Lærernes a-kasse / LB Forsikring. Requirements: membership of Lærernes a-kasse. It covers up to 80 % of salary with 1,000–20,000 DKK/month additional unemployment benefits.
- Provider
- Lærernes a-kasse / LB Forsikring
- Type
- Unemployment insurance fund – individual scheme
- Requires
- Membership of Lærernes a-kasse
- Insurance company
- LB Forsikring (Lærerstandens Brandforsikring)
- Maximum overall coverage
- 80 % of salary
- Maximum supplementary payment
- 20,000 DKK/month
- Minimum supplementary payment
- 1,000 DKK/month
- Waiting period
- 1 month after job loss
- Qualifying period
- 180 days' waiting time after purchase; 12 months of continuous employment (at least 16 h / week) - 6 months for graduates
- Payment period
- 6 or 12 months - max. 36 months total
- Age
- Until state pension age
- Price
- Dependent on salary and payment period
Price examples from the provider
- Gross salary 28,801 DKK: 24.13 DKK/month (6 months) or 38.76 DKK/month (12 months)
- Gross wage 52,551 DKK: 482.57 DKK/month (6 months) or 775.12 DKK/month (12 months)
Sickness coverage
Also covers temporary incapacity for work - the waiting period of 180 days after purchase also applies here
Tax deduction
Tax-deductible; payments are taxed as A-income
Sources
Last verified:
Related policies
Read more
- Compare all individual income protection
- Compare Income Protection for Lærernes a-kasse with a different income protection
- Income protection during illness, sick leave and sickness benefits
- Income protection insurance and tax: deduction, taxation and AM contributions
- 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 →