TL Income Protection
TL Income Protection is collective income protection insurance from Teknisk Landsforbund (TL). Requirements: member of TL and Teknikernes A-kasse – included in membership. It covers up to 80 % of salary with 696–38,292 DKK/month additional unemployment benefits.
- Provider
- Teknisk Landsforbund (TL)
- Type
- Trade union – collective scheme
- Requires
- Member of TL and Teknikernes A-kasse – included in membership
- Insurance company
- Alka
- Maximum overall coverage
- 80 % of salary
- Maximum supplementary payment
- 38,292 DKK/month
- Minimum supplementary payment
- 696 DKK/month
- Waiting period
- Not disclosed – see terms
- Qualifying period
- 9 months of membership of TL and Technician unemployment insurance fund
- Payment period
- Up to 6 months per period of unemployment
- Age
- Until state pension age
- Price
- 105 DKK/month (2026) - approx. 72 DKK after deduction
Additional terms
- Flexjob workers, students and apprentices are not covered
- No coverage on own termination
- Minimum benefit 623 DKK/month (2023 level)
Sickness coverage
Does not cover during illness where the unemployment insurance fund does not pay unemployment benefit
Tax deduction
Tax-deductible
Sources
- TL: Get answers about TL Income Protection Insurance
- TL: Income Protection Insurance Calculator
- TL / Alka: Collective income protection insurance - conditions (PDF)
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 →