What is salary insurance?
Salary insurance is equivalent to what’s called "lønsikring" in Danish.
Salary insurance provides financial support if you lose your job. If eligible, it supplements your unemployment benefits, covering up to 90% of your previous income for better financial security.
A&Til's salary insurance
Sign up for A&Til salary insurance now and get your first month free. With our salary insurance, you receive:
- An additional payout on top of your unemployment benefits (for up to 12 months).
- Coverage up to 90% of your current salary (up to an extra 60,000 DKK per month).
- Flexible coverage tailored to your needs.
- An insurance plan you can deduct from your taxes.
- Right now, enjoy the first month free when you sign up for your wage insurance.
When does salary insurance cover:
You are covered if you: - Have been in permanent employment for at least 80 hours per month over the past 12 months. - Have been laid off and are receiving unemployment benefits from A&Til. - Are registered with the job centre and available to the labour market. - Have had the income protection policy for at least nine months at the time of your dismissal. - Lose your job due to illness or accident.
When does salary insurance not cover:
You are not covered if you: - Resign voluntarily or are rightfully dismissed. - Knew or should have known that you would become unemployed when you took out the policy. - Have had the income protection for less than nine months at the time of dismissal. - Are on a fixed-term contract that ends as scheduled. - Lose your job due to an illness you were aware of when you took out the A&Til Income Protection. - Have received a quarantine period due to self-inflicted unemployment.
Sign up for salary insurance with A&Til
Secure greater financial peace of mind by signing up for salary insurance today. The process is straightforward. Simply fill out the form using the link above and agree to the terms and conditions. However, there are a few requirements you must meet to sign up for salary insurance.
You must:
- Be an active member of A&Til.
- Be between 18 and 60 years old (note that the insurance ends at the end of the month in which you turn 65).
- Have a Danish CPR number and a permanent registered address in Denmark (this does not apply to Greenland or the Faroe Islands).
- Not be in an unemployment period.
- Not have knowledge of upcoming unemployment.
- Have been employed as a permanent employee in Denmark (except Greenland and the Faroe Islands) for at least six months. During this employment period, you must have received a salary for at least 80 hours per month. It is important that you were not employed as a temporary worker or in a flex job during this time.
Sign up for salary insurance with A&Til here.
Try our salary insurance calculator
To qualify for salary insurance, you must meet the requirements set by the insurance terms. With A&Til's salary insurance, you can secure your finances if you lose your job. If you become unemployed and take a new job with reduced hours, you might be eligible for additional salary insurance. The insurance also covers cases of incapacity to work.
Try our salary insurance calculator. It will help you determine how much you could receive with salary insurance.
*The text on our calculator-site is Danish.
Can you receive A&Til's salary insurance without being a member?
No, you cannot. To access our salary insurance, you must be a member of A&Til.
Salary in-surance provides additional protection that complements the unemployment benefits you receive from A&Til, if you become unemployed. While the a-kasse covers your benefits, it may not always be enough to replace your previous salary.
Our salary insurance helps you retain a larger portion of your income, allowing you to maintain your standard of living while you search for a new job.
Can my seniority be transferred?
If you already have a similar insurance policy with another provider, your previous seniority can be transferred to your A&Til salary insurance. This means that the 9-month qualification period may either be reduced or completely waived. However, it’s important that you sign up for salary insurance with A&Til immediately after your previous policy ends.
Your seniority will only be transferred for the portion of the insurance that matches the previous monthly payout and payment period. It is your responsibility to request the transfer of your seniority, and you must also provide any necessary documents that A&Til may require.
Why is it important to combine the unemployment insurance fund and salary insurance?
The unemployment insurance fund/a-kasse provides your basic financial security if you lose your job. However, to avoid a significant drop in income, it can be beneficial to supplement this with salary insurance.
Salary insurance offers additional financial support on top of the unemployment benefits you receive from your a-kasse. This is particularly important if you have a higher income that you want to protect during a period of unemployment.
How does salary insurance work with the unemployment insurance fund?
Can I receive payments from my A&Til salary insurance immediately?
A&Til salary insurance takes effect on the 1st of the month after you sign up. After this, your qualification period begins, which is the first 9 months you hold the insurance.
During the qualification period, you must not be given notice or become aware that you are going to be dismissed. If you are notified or receive a dismissal during the qualification peri-od, you are not entitled to A&Til salary insurance if you are unemployed once your notice pe-riod has expired.
It is also a requirement that you have been in permanent employment for at least the last 12 months prior to becoming unemployed.
You must be involuntarily unemployed and receiving unemployment benefits from A&Til without being subjected to a penalty due to voluntary unemployment.
The first 30 calendar days of unemployment is a self-risk period.