Guide for unemployment insurance in Denmark
Af Mette Stensballe opdateret d. 14-10-2021
Af Mette Stensballe opdateret d. 14-10-2021
You might have heard about how low Denmark’s unemployment rate is, and you’ve probably heard about the country’s fantastic unemployment benefits. Unemployment funds save people time, energy, and effort, especially so with the most recent pandemic. They’re not like other social benefits; to receive unemployment insurance, you have to proactively seek it out before you find yourself unemployed. There can be a lot of options, rules, and requirements, and it can be difficult to follow, but we’re here to help answer all your questions.
An unemployment fund is a type of private insurance that you pay a monthly fee towards in order to have unemployment benefits and a reasonable income if you experience a job loss or can’t find a job after graduation. These funds are often referred to as “a-kasser”, in Danish. All Danish unemployment funds are owned by private organisations, and there are a total of 22 unemployment insurance funds that operate in Denmark. See the list of some of the unemployment funds in Denmark below.
|Unemployment fund||Open to||Price per month||Sign up online|
|Akademikernes a kasse||Anyone||DKK 467||Sign up here|
|CA a kasse||Business||DKK 505||Sign up here|
|FOA a kasse||Some professions||DKK 519||Sign up here|
|Det faglige hus a kasse||Anyone||DKK 487||Sign up here|
|3F a kasse||Some professions||DKK 524||Sign up here|
|Krifa a kasse||Anyone||DKK 505||Sign up here|
|ase a kasse||Anyone||DKK 514||Sign up here|
|FTF a kasse||Anyone||DKK 468||Sign up here|
|Ledernes a kasse||Leaders||DKK 480||Sign up here|
|Min a kasse||Anyone||DKK 490||Sign up here|
|Frie a kasse||Anyone||DKK 498||Sign up here|
|Business Danmark a kasse
||Sales and Marketing||DKK 490||Sign up here|
|Magistrenes a kasse
||Anyone||DKK 502||Sign up here|
Being a foreigner, it can be difficult to navigate the labour market. When you’re a member of an unemployment fund, they are available to guide you with requirements, what you are entitled to, and how to collect your claims on your unemployment insurance.
· Financial security
· Peace of mind
· Personal advice on career choices, social events and courses
· Available for recently graduated students
· Often connected to and work with unions
If you want full-time insurance, you have to work more than 30 hours a week on average and be able to apply for full-time work. When you are full-time insured, your monthly premium will be higher, but consequently, so will the payout.
Not just anyone can claim unemployment benefit; you need to make sure you meet all the requirements before you can collect.
For full-time, you have to have earned a gross income of at least DKK 243,996 over the last 3 years. For part-time, the gross income is DKK 162,660 over the last 3 years. Despite what your monthly income is, you can count a maximum of 20,333 per month. If you earn less, it will take more time than 1 year before you are eligible to collect. You have to meet the minimum income requirement and the minimum 1-year membership requirement.
The amount that you’ll receive depends on quite a few things; whether you are part-time or full-time insured, what job you have, whether you have just graduated, with or without children, whether or not you have reached the age of 25, if you work for a company or are self-employed, and what A-kasse you belong to. Right now, you can receive a maximum of DKK19,332 per month if you are full-time insured and 12,881 per month if you are part-time insured.
You are also only entitled to unemployment benefits for up to 2 years, within a 3-year period calculated by working hours (3,848 hours full-time and 3,120 hours part-time). It’s also possible to extend the 3 years if you were on maternity leave or were grievously ill.
Usually, unemployment insurance funds partner with unions, so you might be asked to sign up with a union by your A-kasse. Unions will help you legally when your working rights have been infringed upon. For example, a union could help you if you’ve been illegally terminated, not given proper working conditions, refused holiday time or pay, etc.
They can also help you with negotiations for your work contracts. Regardless of whether you decide to join a union with your unemployment fund or not, it’s important to know your rights. You are free to choose whether or not you want to be a part of a union. If you end up deciding that you don’t want to join a union with your A-kasse, it will not affect your benefits.