HK STATE SALARY INSURANCE

Salary insurance - offers you financial security in case you lose your job. A solid membership advantage.

If you lose your job and are relegated to survive on benefits alone your monthly income – as full-time insured – will be 18,403 Kroner (2017). For most HK State members this is far less money than they normally earn. Unemployment benefits cover only about 60% of an average HK State member’s salary.
In collaboration with the union owned insurance company Alka, HK State has drawn up a collective, mandatory salary insurance scheme. This insurance costs 50 tax deductible Danish Kroner per month – 36 after tax. The fee will be included in your membership fee.

Question and answers regarding salary insurance

1
How does the insurance work?

The construction of the salary insurance is quite simple. The purpose is to make it inexpensive and easy to administrate. If you are given notice, this insurance – in combination with your unemployment benefits – will give you 80 percent of your former salary after the deduction of the mandatory labour market contributions. The salary insurance will be paid into your NemKonto on a monthly basis for maximum 26 weeks. The payment will be deposited in the middle of the month, after the unemployment benefits have been deposited.
2
How do I calculate my coverage?

You can do the calculation on the HK homepage. If you have full-time insurance through the HK Unemployment Fund and your salary is 29,000 per month, you will receive 2,941 Kroner before tax per month for maximum 26 weeks from your salary insurance plan. If you have part-time insurance, the maximum unemployment benefits amount to 12,269 per month. If your salary is 18,000 per month you will be eligible for a payment of 979 Kroner salary insurance per month before tax for maximum 26 weeks.
3
What does the insurance cost?

It costs 50 Kroner per month. The fee is the same for all members of HK State and of the HK Unemployment Fund – regardless of your salary and the length of your membership. The fee will be regulated in accordance with the price and salary index. The fee is tax deductible; this means that the insurance will cost you about 36 Kroner per month.
4
Who is included?

All members of HK State and of the HK Unemployment Fund are included. Furthermore, your employment must be an “ordinary non-supported job”. It doesn’t matter if you are permanently employed, temporarily employed for at least 12 months, employed for a specific project or have a fixed-term contract. Part-time insured members with a minimum salary of 15,267 per month are also covered by salary insurance. Part-time insured members with a salary below 15,267 will pay the fee to the insurance scheme, but are not eligible for coverage. You may instead be exempted from payment of your union membership fee for a period of time if you become unemployed. Civil servants and adult trainees, who pay the full fee to HK State and to the HK Unemployment Fund, are included.
5
Who is not included?

Certain membership groups cannot be covered by salary insurance due to the legislation regarding unemployment benefits. This applies e.g. to persons in flexible employment arrangements and to ordinary trainees. These two membership groups obviously do not pay the monthly fee of DKK 50.
6
From which date will I be covered?

You must have been employed for 12 months and you must have paid the insurance fee for 12 months before you become eligible for coverage.
7
Are there any limits to the amount of the coverage?

Some HK members have such a low salary that unemployment benefits in themselves cover 90% of their salary. In such cases the legislation prohibits payment of salary insurance. If you earn too little to get money from the insurance, you can apply for exemption from payment of union membership fee.
8
Possible exemption from payment of union membership fee if you earn less than 22,567

If you were a member on October 1, 2013 and if your income is insufficient for salary insurance, you may be exempted from payment of your union membership fee for a period of time if you become unemployed. This exemption applies for maximum six months – corresponding to the salary insurance period. If you become unemployed and earn less than DKK 22,567 per month you can contact HK State (telephone 33 30 42 61) and find out about your possibility for exemption of payment of your union membership fee.
9
What if I already have another salary insurance policy?

You are allowed more than one salary insurance. If you have an HK State salary insurance you may choose to postpone the payments from this insurance until the payments from your collective insurance plan have been terminated. This will allow you to extend the period in which you receive a supplement to your unemployment benefits. In order to determine how you may benefit from another insurance plan while also having an HK State salary insurance, you must contact your insurance company.

The background for our advantageous insurance scheme

The HK State salary insurance was introduced after a membership ballot in 2013.

A 2013 analysis by AK-samvirke (The Association of Unemployment Insurance Funds) shows for how long and how much the various existing salary insurance schemes will cover. The HK State salary insurance is extremely advantageous, both in terms of price, waiting period, termination due to age and the age limitations for taking out this insurance.

Go to the analysis

The salary insurance will for instance cover a person until the termination of unemployment benefits eligibility – i.e. retirement age. Many other insurance schemes expire when the person turns 60. The fee – 50 Kroner – is much lower than the fees for individual insurance plans.

HK STATE SALARY INSURANCE

Question and answers regarding salary insurance

How does the insurance work?

How do I calculate my coverage?

What does the insurance cost?

Who is included?

Who is not included?

From which date will I be covered?

Are there any limits to the amount of the coverage?

Possible exemption from payment of union membership fee if you earn less than 22,567

What if I already have another salary insurance policy?

The background for our advantageous insurance scheme

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