Gain Peace of Mind with CA Income Protection
Life is full of limitations – but your finances don’t have to be one of them.
With CA Income Protection, you gain the freedom and security to handle unexpected situations like unemployment with confidence.
Our income protection ensures a stable income, so you can focus on seizing new opportunities without worrying about financial constraints.
Choose CA Income Protection – because the freedom to live life on your own terms is priceless.
Flexible Income Protection with CA – Choose Your Own Coverage from Just DKK 47/month
As a CA member, you have the freedom to shape your income protection to suit your life.
With CA Income Protection, you decide the size of your payouts, the duration of your coverage, and whether you want it with or without a waiting period.
Whether you’re looking for full coverage or just a financial buffer during uncertain times, you can customise your policy to match your needs and preferences.
You’re in control – with CA Income Protection, you get the freedom to secure your future on your own terms.
Flexible Payout Options
You decide how much you want to receive in monthly income protection – up to 90% of your current salary.
Customised Coverage
You choose whether your income protection should cover 3, 6, 9, or 12 months per unemployment period.
Choice of Qualifying Period
You decide whether your CA Income Protection should include a 30-day qualifying period – or none at all.
CA Income Protection
Marsh
Tromsøgade 2, 1st floor
2100 Copenhagen Ø
Phone: +45 45 95 46 71
Email: ca.lonsikring@mmc.com
Phone hours: Monday–Friday: 09:00–15:00
Qualifying Period
CA Income Protection includes a 9-month qualification period.
This means you must not be dismissed or made aware of any upcoming dismissal during the first 9 months after enrolling in the scheme.
Once the qualification period has passed, you’ll be eligible to receive income protection if you become unemployed.
Report a Claim
If you need to report a claim to CA Income Protection due to unemployment, incapacity for work, or continued unemployment, you must do so online.
CA Income Protection Recommended by Consumer Council Tænk
In Consumer Council Tænk’s review of income protection across 13 unemployment funds and trade unions (Feb 2023), CA Income Protection received a special recommendation for its strong insurance terms, fair pricing, and flexible options.
You can be covered for up to 90% of your current salary.
With CA Income Protection, you can receive up to DKK 60,000 per month – on top of your unemployment benefits.
Questions and Answers About CA Income Protection
Are There Special Requirements for Taking Out CA Income Protection?
Yes – to sign up for CA Income Protection, you must meet the following criteria:
You are a member of the CA unemployment fund (CA a-kasse)
You are at least 18 years old and under 60 on the date of enrolment
You have a Danish CPR number
You are permanently employed in Denmark (excluding Greenland and the Faroe Islands) and have worked at least 80 paid hours per month for six consecutive months immediately before purchasing or changing your coverage
You are not self-employed, a temp worker, employed in a flex job, or in a subsidised job
You are not unemployed and have no knowledge – or reasonable expectation – of any upcoming unemployment
Ongoing eligibility:
To maintain your income protection, you must continue to meet the CA membership requirement.
You can remain covered by the policy until the age of 65.5.
Where Do I Report a Claim If I Want to Receive a Payout from My Income Protection?
You must report your insurance claim in case of unemployment, incapacity for work, or continued unemployment online via our partner.
How Long Before CA Income Protection Pays Out?
After signing up for income protection, a qualification period and possibly a waiting period (deductible) must pass before you’re eligible for payouts.
There is a 6-month qualification period during which you must not become unemployed.
If you’re transferring from another income protection policy, your coverage can start immediately, provided you’ve been covered elsewhere for at least 6 months up to the start date of CA Income Protection.
Once the qualification period is complete, you’ll be covered in the event of job loss.
Please note: If you have chosen a policy with a 30-day waiting period, you’ll need to cover the gap between your unemployment benefits and your previous salary yourself during that time.
When Does CA Income Protection Not Provide Coverage?
CA Income Protection only covers cases of involuntary unemployment. This means the insurance does not cover if:
You resign from your job voluntarily
You are dismissed due to your own fault or misconduct
Additionally, the insurance does not cover:
Pre-existing medical conditions or illnesses that you were aware of before taking out the insurance
Situations where you do not meet the eligibility requirements for CA Income Protection
Certain exceptional cases, such as force majeure events
As with any insurance, we strongly recommend reading the full terms and conditions to understand exactly what is – and isn’t – covered.
Who Needs Income Protection?
You can assess whether income protection is right for you by comparing your current salary with the maximum unemployment benefit (dagpengesats). If you believe you could manage comfortably on the maximum benefit — just under DKK 20,000 per month — then income protection may not be necessary for you.
On the other hand, if you notice a significant gap between your current income and what you'd receive on unemployment benefits, then income protection is likely worth considering.
It also depends on your job security. If finding a new job with a similar salary would be difficult in your field, then income protection can be a valuable supplement to your unemployment benefits through your a-kasse.