Lederne Income Protection
Lederne Income Protection is individual income protection insurance from Lederne. Requirements: member of Lederne, Lederne Spring or Lederne Virksom + Ledernes A-kasse. It covers up to 90 % of salary with up to 60,000 DKK/month additional unemployment benefits.
- Provider
- Lederne
- Type
- Trade union – individual scheme
- Requires
- Member of Lederne, Lederne Spring or Lederne Virksom + Ledernes A-kasse
- Insurance company
- AmTrust International Underwriters DAC
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 60,000 DKK/month
- Waiting period
- 30, 60 or 90 days (you choose)
- Qualifying period
- 6 months (30 days for incapacity)
- Payment period
- 6 or 12 months
- Age
- From 18 and at least 7 years to retirement pension - ends at 65 years
- Price
- From 40 DKK/month
Additional terms
- 6 months of previous work in Denmark
- Requirements: min. 6 consecutive months with min. 80 hours/month (self-employed 130 hours/month)
Sickness coverage
Also covers incapacity for work (requires 30 + continuous days of sickness)
Tax deduction
95% deductible
Sources
- Lederne: What is Income Protection Insurance
- Lederne: Insurance conditions 2026 (PDF)
- Virksom/Lederne: Fact sheet (PDF)
Last verified:
Related policies
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- Compare all individual income protection
- Compare Lederne Income Protection 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 →