Socialpædagogernes Income Protection
Socialpædagogernes Income Protection is collective income protection insurance from Socialpædagogerne. Requirements: paying member of Socialpædagogerne and Socialpædagogernes a-kasse – automatically included. It covers up to 80 % of salary.
- Provider
- Socialpædagogerne
- Type
- Trade union – collective scheme
- Requires
- Paying member of Socialpædagogerne and Socialpædagogernes a-kasse – automatically included
- Insurance company
- Alka
- Maximum overall coverage
- 80 % of salary
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- Not disclosed – see terms
- Qualifying period
- 1 year of membership and deposit (graduates: 6 months of employment + 3 months of continuous work)
- Payment period
- Maximum 6 months (962 hours)
- Price
- 50 DKK/month (approx. 34 DKK after deduction)
Price examples from the provider
- Wages 39,000 DKK: unemployment benefits 22,041 + income protection insurance 9,159 = 31,200 DKK/month
Sickness coverage
Tax deduction
Tax-deductible
Sources
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 →