Frequently asked questions (FAQ) about the unemployment insurance fund

In order to claim unemployment insurance benefits, you must fulfil these conditions:

You must have been a member of an unemployment insurance fund for at least a year.

• If you are full-time insured, your total annual income must have been at least 273,504  DKK (as of 2025) over the past three years
  When we look at your income as a full-time insured member, we may only count a maximum of 22,792 DKK per month (as of 2025). That means it will take at least a year to earn the right to unemployment insurance benefits.
• If you are part-time insured, your total annual income must have been at least 182,340  DKK over the past three years (as of 2025).
  When we look at your income as a part-time insured member we may only count a maximum of 15,195  DKK per month (as of 2025). That means it will take at least a year to earn the right to unemployment insurance benefits.

Whether you are full-time or part-time insured, only the income you have earned while you are a member of an unemployment insurance fund can be counted.

We calculate your unemployment insurance rate by looking at your income in the 12 highest paid months within the last 24 months.

You can only receive a maximum of 21,092 DKK a month before taxes in unemployment insurance benefits (2025 rates).

See the current rates

Membership of Finansforbundet´s unemployment insurance fund can be tailored to suit your working life. You can choose either part-time or full-time insurance – and whether to be part of the voluntary early retirement scheme.

Finansforbundets unemployment insurance fund is part of A&Til.
See more about the current membership fee on the A&Til website (LINK): https://aogtil.dk/en/membership/become-a-member
If you register your payment of the membership fee with 
‘Betalingsservice’ (a Danish payment service), you will not have to pay the DKK 50 administration charge every time you pay the membership fee.

Calculate your price

Yes, you are allowed to work and have voluntary early retirement too. The hours that you work will be deducted from your voluntary early retirement benefit.

You can also do voluntary work without this impacting on your voluntary early retirement. NB: You must contact us if you are doing voluntary work or considering it.

Finansforbundets unemployment insurance fund is part of A&Til.

When you reach your voluntary early retirement age, A&Til, of which X is a part, will send you a ‘voluntary early retirement certificate’.

 If you wish to enter voluntary early retirement, please contact us.

You must apply for voluntary early retirement no later than the day on which you wish to begin voluntary early retirement. We do, however, recommend sending the application a few weeks in advance. After that, we will gather information about your salary/wages and pension from Denmark’s e-income register (e-indkomstregistret).

Once approved, you will receive a letter confirming this, with details of your voluntary early retirement rate and other practical information.

Finansforbundets unemployment insurance fund is part of A&Til.

If you have been laid off or are unemployed, we are ready with advice that can bring you closer to a new job.

Are you unemployed?

When you are unemployed, it is important to have a sparring partner who can offer good advice for you job search and keep you motivated.

At Finanforbundet's unemployment insurance fund (a-kasse), you can attend a wide range of webinars and personal meetings. You can also get feedback on your CV and application. With Jobmakker, you can get AI assistance when writing your application, easy, effective and accessible.

Have you been laid off?

When one is laid off, it can be difficult for many to make sense of their situation. Therefore, you can have a conversation with one of our career coaches and make a plan for how you will move on and forward. In this way, you use your notice period to look ahead into the future, so you might completely avoid having to depend on receiving unemployment benefits.

Are you a student?

If you're a student, you can become a free member.

Advantages of Jobmakker

• You  save time on research
• You get great suggestions for both structure and content of applications
• You can develop a better job application
• You will increase your chances of getting an interview
• You can get help to clarifty your competences
• You will become stronger candidate in both the application and interview process

Jobmakker (in danish)