CA Income Protection with a Plan
Get support for both your income and your plan
With CA Income Protection, you can focus on moving forward instead of worrying about your finances.
- Coverage of up to DKK 45,000 per month in addition to unemployment benefits
- Fast coverage after just 6 months
- Flexible coverage for 3, 6, 9, or 12 months per unemployment period
Your path to CA Income Protection in 3 steps
1. Calculate your price
– how much coverage you want and for how long.
2. Talk to us
– so the coverage fits your finances and situation.
3. Take out CA Income Protection
– so both your income and your plan are in place if you become unemployed.
More than income protection – you don’t lose momentum
Financial peace of mind is important. But for most people, it’s not only finances that are affected when a job is lost.
It’s also about:
- identity: “Who am I without a title and a job?”
- market value: “Am I still attractive in the job market?”
- energy: “Where do I start – and what do I actually want?”
That’s why CA Income Protection is about more than just money.
If you become unemployed, you receive an outplacement programme that supports you both personally and professionally in your career journey.
How CA Income Protection works
Flexible Payout Options
With CA Income Protection, you can:
- receive coverage of up to 90% of your current salary
- choose coverage of up to DKK 45,000 per month in addition to unemployment benefits
You’re not just choosing a price – you’re choosing how much peace of mind you want to give yourself if you’re affected.
Your period of peace of mind
You can choose between:
- 3 months – if jobs change quickly in your industry
- 6 or 9 months – if you want more time to find the right match
- 12 months – if you want maximum financial cushioning before saying yes to your next job
The longer the period, the more time you have to make the right choice.
Fast coverage
You get:
- Quick coverage – your qualifying period is just 6 months
- A 30-day waiting period – there are 30 days from your first day of unemployment before payments from your CA Income Protection begin
Questions and Answers About CA Income Protection
Are There Special Requirements for Taking Out CA Income Protection?
Yes. To take out CA Income Protection, you must, among other things:
- be a member of CA Unemployment Fund
- be between 18 and under 60 years old on the policy start date
- be a permanently employed salaried employee in Denmark
- have worked at least 80 hours per month for 6 months prior to taking out the insurance
- not be under notice or aware of an upcoming dismissal
You can read more in the insurance terms and conditions, where all requirements are described.
Where do I report a claim if I become unemployed?
If you become unemployed and have CA Income Protection, you must:
- register as unemployed and contact CA Income Protection (Phone +45 33 42 92 22 or email: loensikring@ca.dk
- send us the following documents:
- your employment contract
- your notice of termination
- payslips from the last 12 months
How Long Before CA Income Protection Pays Out?
There is:
- a qualifying period of 6 months from the day you take out the insurance
- a 30-day waiting period from the day you become unemployed
Once both conditions are met – and all other terms are fulfilled – CA Income Protection can begin paying out.
How much does CA Income Protection cost?
The price depends on:
- how large a share of your salary you want covered
- how many months you want to be covered
- whether you choose any optional add-ons
Prices start from DKK 56 per month. To get an exact price for your specific situation, the easiest way is to request a personalised quote. You can also calculate your price here.
About Outplacement
For many members, our outplacement programme helps them move on quickly and avoid unnecessarily long periods without a job.
The method we use has been developed through many years of working with career transitions and coaching. The goal is simple: to give you clarity, peace of mind, and a concrete plan—so you’re not left alone with the uncertainty.
I just want CA Income Protection paid out
You might be thinking: “I just want CA Income Protection paid out.” That’s completely okay.
If you become unemployed, it’s normal to feel tired, anxious, or find it hard to see the next steps clearly. That’s why the programme doesn’t start with demands or performance expectations, but with creating calm, capacity, and direction.
You’ll get help putting words to:
- your situation
- your story
- your motivation
So you’re left with one clear direction and a simple plan for the next steps — even if you don’t feel ready to “go all in” from day one.