Salary insurance (lønsikring)
Salary insurance as it should be. We have made three simple salary insurance solutions. This way you can choose the solution that fits your needs the best. Ase is among the very few unemployment insurances funds in Denmark who offers a “premium free” salary insurance. This means you don’t have to pay for the salary insurance while you are unemployed and receive unemployment benefits. Ase also has the shortest qualifying period on the market. It’s only six months. You can read more about the details of the three different salary insurance solutions below.
You must be employed and a member of Ase unemployment insurance fund to take out salary insurance. Choose a solution and calculate your price.
Calculate your price for Ase salary insurance
Check your price for Ase unemployment fund and salary insurance
Your payout consists of:iYour payment consists of unemployment benefit and your chosen salary insurance coverage. Both amounts are gross, of which you have to pay taxes. You can only buy Ase salary insurance if you are a member of Ase a-kasse.
20.359 kr./mo.
kr./mo.
Your price:
500
kr./mo.
Period:
You only have to enter your name, phone number and e-mail address.
We will send you an e-mail with your chosen preferences for your salary insurance.
We will call you afterwards to finish your order.
Thank you
We look forward to speaking to you about Ase salary insurance. Until then you have to opportunity to read more about the benefits of being a member of Ase's unemployment fund. Click here
Calculate your price for Ase salary insurance
Check your price for Ase unemployment fund and salary insurance
Your payout consists of:iYour payment consists of unemployment benefit and your chosen salary insurance coverage. Both amounts are gross, of which you have to pay taxes. You can only buy Ase salary insurance if you are a member of Ase a-kasse.
20.359 kr./mo.
kr./mo.
Your price:
500
kr./mo.
Period:
You only have to enter your name, phone number and e-mail address.
We will send you an e-mail with your chosen preferences for your salary insurance.
We will call you afterwards to finish your order.
Thank you
We look forward to speaking to you about Ase salary insurance. Until then you have to opportunity to read more about the benefits of being a member of Ase's unemployment fund. Click here
Calculate your price for Ase salary insurance
Check your price for Ase unemployment fund and salary insurance
Your payout consists of:iYour payment consists of unemployment benefit and your chosen salary insurance coverage. Both amounts are gross, of which you have to pay taxes. You can only buy Ase salary insurance if you are a member of Ase a-kasse.
20.359 kr./mo.
kr./mo.
Your price:
500
kr./mo.
Period:
You only have to enter your name, phone number and e-mail address.
We will send you an e-mail with your chosen preferences for your salary insurance.
We will call you afterwards to finish your order.
Thank you
We look forward to speaking to you about Ase salary insurance. Until then you have to opportunity to read more about the benefits of being a member of Ase's unemployment fund. Click here
A lot more than economical insurance
Tryg medical hotline
The salary insurance assures you access to Tryg medical hotline from the beginning. The hotline offers video consultations with a specialist in general practice. You can use the medical hotline if you or any other member of your household need medical care outside of your own doctors opening hours. The Tryg medical hotline is included in the Basis, Udvidet and Super covers.
Professional development
If you are unemployed and you are eligible for salary insurance disbursements, you also get a professional development course. During the course you and your personal career consultant develop a personal course focused on you and your needs. For example, the course can focus on developing your professional competences, choosing a different job industry or secondary education. This is included in the Basis, Udvidet and Super covers.
Access to a psychologist
The salary insurance solutions grant you a maximum of 10 hours of consultations with a psychologist if your resignation or a shutdown of your company causes an urgent need for professional help. If you wish to make use of this offer, please contact Ase. We will help you further in the process. This offer is included in the Basis, Udvidet and Super covers.
Monthly payment
You receive the chosen monthly payment if you become unemployed after your qualifying period has ended. The monthly payment will start if any of the following describes your current situation: unintended unemployment, your company has shut down or in case of illness during your unemployment. The monthly payment is included in the Basis, Udvidet and Super covers.
Salary insurance without cost
The salary insurance covers the cost of your salary insurance during the time where you receive monthly disbursements. The monthly disbursements occur when Ase has estimated your complete eligible payment. You must pay for your salary insurance as always until the complete eligible payment has been estimated. This is included in the Basis, Udvidet and Super covers.
Tryg insurances without cost
The insurance covers the cost of your household’s other private insurances from Tryg in the given period where you receive disbursements from your salary insurance. This is only included in the Super cover
No retention provision
If you choose the Super salary insurance, you are insured from your first day as unemployed. In the Basis and Udvidet covers the retention provision period is three weeks. The three weeks start the day after you have become unemployed. During this period, you don’t get any disbursements from the salary insurance. The benefit of no retention provision period is only part of the Super salary insurance.
Frequently asked questions
What is a salary insurance?
Salary insurance is an insurance of your income. If you become unemployed the salary insurance secures you the right to a monthly payment on top of your unemployment benefit.
The exact sum depends on how much you choose to insure yourself for. With the Ase salary insurance you get extra financial security if you unwillingly become unemployed.
Read Ase’s conditions for the salary insurance here.
How can I obtain salary insurance?
You can obtain salary insurance if you:
- have a Danish CPR-number, have permanent residency in Denmark and employment in Denmark (Greenland and Faroe Islands not included)
- are eighteen years old but not yet 61 years old
- are a fulltime member of the Ase unemployment insurance fund
- work as an employee in Denmark, are a fulltime employee with a minimum of 25 hours a week and have no knowledge of future unemployment.
- are self-employed in Denmark and no actions have been taken towards cessation of your company.
You can’t obtain- or be insured by Ase salary insurance if you work as an assisting spouse.
Can I transfer my seniority?
If you have a corresponding insurance with another insurance fund, we can transfer your seniority to your Ase salary insurance. This means that the six months qualification period can be shortened or lapse. It is a criteria that your Ase salary insurance is obtained in continuation of your prior salary insurance.
Your seniority from another insurance fund can only be transferred to us if you choose a cover corresponding to your prior monthly payment or payment period.
You are responsible for making sure that your seniority is transferred to Ase and submitting the documents which Tryg and Ase find necessary.
I need my salary insurance – What do I do?
Unemployment report
When you apply for unemployment benefits in Ase you simultaneously apply for your salary insurance.
If you have any further questions on reporting your unemployment in relation to your salary insurance, please contact Ase at 7013 7013 or ase@ase.dk
What is a qualification period?
The qualification period is a period where you must pay for your insurance before you can make use of it. To access disbursements from your salary insurance it is a requirement that you aren’t unemployed or aware of a future unemployment during the qualification period.
What is a retention provision period?
Whether or not you are affected by the retention provision period is determined by your type of salary insurance cover You don’t have a retention provision period if you chose the Super salary insurance cover
If you chose any other salary insurance cover your retention provision period is three weeks. The period begins the day after you become unemployed. During this period, you don’t receive any disbursements from your salary insurance.
How much do I get paid?
The salary insurance is an add-on to your unemployment benefit. The salary insurance and unemployment benefit add up to 80 percent of your latest gross salary. The maximum sum of your payment is however the sum you have chosen for your salary insurance. Your gross salary is calculated before any deductions from AMBI. Your disbursements are taxed as regular income. You don’t pay any AMBI of your salary insurance disbursements.
Do I have to pay for my salary insurance when I am unemployed?
If you chose the Udvidet- or Super salary insurance, you don’t have to pay during the period where your salary insurance is disbursed to you. The duration of the payment free period is determined by your disbursement period in your salary insurance.
Are my payments for Ase salary insurance deducted from my taxes?
Tryg automatically report your payments to SKAT as a tax allowance. You can see the tax allowance in category 52 in your annual statement.
Change, cancel or resignation from my salary insurance
How do I cancel or resign from my salary insurance?
It is possible to cancel your Ase salary insurance up to 14 days after:
- The agreement was made
- The day you received all the documents concerning the agreement in form of terms and policy.
After the 14 days the normal resignation rules apply. That is ongoing month and 30 days. Cancellation or resignation must always happen in writing to Ase at ase@ase.dk.
I got a new job/new gross salary what do I do in relation to my salary insurance?
It is important that your salary insurance contains the right and current information. Otherwise, you risk losing potential income.
You are welcome to contact Ase at 7013 7013 if you got a new job, your gross salary changed or the profit in your company/self-employment has changed. We will help you correct your current information.
Can I get premium deduction?
You can get premium deduction if you choose the Super salary insurance cover This means that we cover your additional insurance costs to Tryg. The payment free period is determined by your chosen coverage period on your salary insurance.
The compensation for the premium deduction is disbursed once by the ending of the disbursing period. The Premium deduction is valid in the chosen disbursement period if you are unemployed.
Not a member yet?
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