LB Income Protection EKSTRA (BUPL)
LB Income Protection EKSTRA (BUPL) is individual income protection insurance from BUPL / LB Forsikring. Requirements: member of BUPL and BUPL-A. It covers up to 90 % of salary with 1,000–20,000 DKK/month additional unemployment benefits.
- Provider
- BUPL / LB Forsikring
- Type
- Trade union – individual scheme
- Requires
- Member of BUPL and BUPL-A
- Insurance company
- LB Forsikring (Lærerstandens Brandforsikring)
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 20,000 DKK/month
- Minimum supplementary payment
- 1,000 DKK/month
- Waiting period
- Not disclosed – see terms
- Qualifying period
- 6 months of insurance + 6 months of membership of BUPL and BUPL-A; 12 months of continuous work before unemployment
- Payment period
- Up to 6 months per benefit period
- Age
- Terminates with the end of the calendar year you turn 65
- Price
- Dependent on income and chosen coverage
Price examples from the provider
- Income 32,054 DKK, 1,000 DKK coverage: 27.30 DKK/month (2026)
- Income 55,001 DKK, 20,000 DKK coverage: 545.94 DKK/month (2026)
Additional terms
- Added to BUPL’s collective income protection: total maximum 90% of gross salary including unemployment benefits and collective income protection.
Sickness coverage
No payment during sickness and holiday where you do not receive unemployment benefit
Tax deduction
Sources
- LB Insurance: Income protection EXTRA
- LB Insurance: Terms Income protection insurance EXTRA No 28-5 (PDF)
Last verified:
Related policies
Read more
- Compare all individual income protection
- Compare LB Income Protection EKSTRA (BUPL) with a different income protection
- Income Protection through trade unions
- 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 →What income protection does BUPL provide?
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BUPL has a collective income protection via LB Insurance for members of both BUPL and BUPL-A. It costs 27 DKK/month, covers up to 90% of the salary with 600- 3,500 DKK/month and a maximum of 24,000 DKK per payout period. You are covered after 6 months of membership. You want more, you can buy LB Income Protection Insurance EXTRA (1,000- 20,000 DKK/month) above.
See BUPL's Income Protection Insurance →See FAQ →