All you need to know about supplemental unemployment insurance

Notify your unemployment  

If you have lost your job and wish to file a claim on supplemental unemployment insurance, you need to declare your unemployment situation officially. The process is straightforward and can be completed online through Topdanmark, in collaboration with IDA Forsikring.

When does my supplemental unemployment insurance apply?  

• Your insurance is not valid until nine months after you have taken it out (waiting period).   
• You must not become unemployed or know that you will lose your job during the nine months.  
• You must have had continuous employment for at least 12 months (the employment requirement).  

When will I receive my first payment?  

You will receive the first payment after 60 days if you become unemployed. The first 30 days are a deductible period, and the following 30 days are an accrual period.  

Example of your first payout:

You will be unemployed as of January 1. The 30-day excess period means the supplemental unemployment insurance will cover you on February 1. Starting from February 1 and for the following 30 days, you will earn the right to the payment. Therefore, you will receive your first payment on March 1.  

This procedure means two months pass from your first day of unemployment to the first payment.  

The calculation of 30 consecutive days of unemployment also includes holiday days. 

How long can I receive payouts?  

You can receive supplemental unemployment insurance benefits for 12 months. If you need insurance on more than one period of unemployment, you can get the payments for up to 36 months.   

You must have been employed for at least 6 months to use your supplemental unemployment insurance again.  

Am I allowed to take a holiday and still receive income supplements from my insurance?

No, you cannot receive insurance payments while on holiday. Remember to report your holiday to Topdanmark for registration.  

Can I have a temporary job while receiving income supplements from my insurance?

When you receive money from your supplemental unemployment insurance, you can work temporarily for up to 12 months.

However, if you accept a temporary job, you must inform Topdanmark before you start. Together with them, you will decide whether to treat the two periods of unemployment as one or two.

Can I have a part-time job?  

You can still receive money from the insurance if you work part-time for up to 29.6 hours a week. However, payments will be limited because you can receive up to 90% of your salary while you remain employed.

To receive income supplements from the insurance, you must meet these requirements:

• You dismissed the job before you accepted the part-time position.
• An employer other than the one who terminated you will employ you.
• You are available for a full-time job in the labour market.
• You are actively looking for a job. 

Will my insurance be cheaper after a dismissal?  

No.

How can you receive assistance with your supplemental unemployment insurance?  

If you require assistance or advice regarding your insurance, please call Topdanmark at 44 74 35 50. 

Learn more about supplemental unemployment insurance.

The supplementary amount you receive

If you have bought supplemental unemployment insurance, you can get up to 90% of your current gross salary (excluding labour market contributions).

It's crucial to understand that your gross salary, which determines your insurance claim, comprises elements such as commission, bonus, a company car, and a company phone.