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Your guide to choosing a social security fund as an independent freelancer
Life and finances as a self-employed person can be uncertain, which an unemployment insurance fund can help to minimize. It can therefore be wise in most situations to prioritize an a-kasse membership.
An a-kasse is an abbreviation of unemployment fund and secures you financially in the form of daily allowance, if you were to become unemployed and be without earnings or 'salary'. You can read more about salary as a self-employed person here.
When one as self employed want to be a member of an unemployment fund, it can be challenging to find which unemployment fund best accommodates independent life.
An easier freelance life with Factofly
Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.
Why have an a-kasse as a self-employed person?
Der kan være flere grunde til at have en a-kasse as self-employed, og også grunde som taler imod dette, selvom det i de fleste situationer kan være en god investering.
It all depends on your individual situation, form of business and personal preferences.
You can read much more about a-kasse membership for self-employed freelancers in our previous blog post here.
An easier freelance life with Factofly
Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.
List of unemployment funds for the self-employed
There are many different unemployment insurance funds that differ in expertise and focus area.
However, you should know that with all unemployment funds there is an accrual period, during which you must have been a member of a unemployment fund for a certain period of time before you can be paid unemployment benefits.
Here we have compiled a list of 9 relevant and cheap social security funds for the self-employed:
HK
One of Denmark's largest unemployment funds with over 280,000 members, HK, helps you as a self-employed person with tools and advice, and is also ready with qualified advice that covers a number of areas from wages and working conditions to legal help.
As a member, you pay DKK 517 per month for a full-time membership and part-time from DKK 395 per month.
Ftfa
At Ftfa, you pay DKK 468/month as a member. They strive to be 'more than a savings bank' and have even won "Best Savings Bank 2022".
Regardless of whether you have started or are considering starting your own business, Ftfa is ready with a wide range of skills within running an independent business and has several relevant offers, physical events, webinars, etc.
They have a unique collaboration with Entrepreneur Denmark, where as a self-employed person you can connect to a course that includes the start-up, operation and development of an independent business.
Ftfa is a good unemployment fund for those who want more knowledge, inspiration or a helping hand for independent living.
Effective
Another unemployment fund for the self-employed is the unemployment fund Virksom, which has a membership fee of DKK 480/month.
With Virksom, you get the opportunity to get advantageous insurances and, of course, financial security, as with all other social security funds, through unemployment benefits, should you be forced to close your business.
At Virksom, you can also buy what they call extra 'Organization', where you for DKK 199/month as a company you can get legal help, sparring for you and your company, free debt collection service and the option of a pension scheme.
If you want both unemployment insurance and organization, Virksom offers a total monthly price of DKK 567.
Virksom is a social security fund for you who want the opportunity to seek legal advice and other relevant guidance.
Ace
Ace 'grabs you if the dream breaks' with a membership fee of DKK 514/month.
If the dream were to burst, Ase promises up to DKK 19,351/month. in unemployment benefits, targeted online courses for the self-employed, help with writing applications and CVs as well as guidance before a possible job interview.
You also get access to Ase salary insurance, where you can get up to 80% of your salary covered and be paid anything between DKK 2,000–50,000 on top of your daily allowance, should you become unemployed.
Ase is a social security fund for you who want to further secure your income should you become unemployed.
Free
At a-kassen Frie, you get free salary insurance for the rest of the year 2022 and 3 months free Union. The membership fee is DKK 498/month and, like the other social security funds, ensures the right to receive unemployment benefit.
At Frie, you get the opportunity to salary guarantee of up to DKK 40,000. on top of your daily allowance for up to 12 months, and they are one of the social security agencies with the best rating on Trustpilot.
Frie is a cheap unemployment fund for the self-employed and is for you who want a simple unemployment fund membership, but with good guidance for the job search.
The academics' unemployment fund
The academics' social security fund costs a small DKK 467/month. and offers that you, as a member of the a-kassen, can become part of an entrepreneurial community, where you can get advice and sparring for life as a self-employed person.
Akademikernes a-kasse has a clear website with information on everything you should know as a self-employed person, regardless of whether you want to receive unemployment benefit or just information.
This a-kasse is one of the country's cheapest and is for you who want nothing more than insurance in the form of unemployment benefit in the event of unemployment.
Krifa
At Krifa, you pay DKK 505/month. for an a-kasse membership. You also get financial security here in the form of daily allowance and salary insurance, where you can get up to 90% of your current gross salary covered.
Your membership gives you access to advice and sparring within law, audit, debt collection and sick leave.
Here, as an independent person, you have the opportunity to be associated with a professional job coach and the opportunity for two career interviews per year.
Krifa is therefore an emergency fund for you as a self-employed person who values quick expertise and advice in certain areas of your business.
The Professional House
Det Faglige Hus is another cheap social security fund with a membership fee of DKK 486/month.
In addition to unemployment benefit, Det Faglige Hus offers discounts on insurance, including household, travel and/or accident insurance.
Det Faglige Hus differs from other social security funds by having a special one bargain shop, where members can save money on theme parks, holiday stays and other activities.
This social security fund is for you who see the advantage in a versatile and cheap membership, where you are also embraced as self-employed.
CA – Career partner and social security fund
The last unemployment fund on the list is CA, which has a membership price of DKK 505/month.
CA has many self-employed members and estimates that as a self-employed person you can make use of career and insurance advisers.
In addition, as a member, you can get access to legal help for your company in the form of guides, templates and useful links, where there are also several e-books aimed at independent living.
You can also purchase CA legal assistance for only DKK 55/month, where you get access to professional lawyers.
CA is an unemployment fund for you who want access to the necessary advice in various fields of competence and generally like the feeling of being included in all aspects of independent life.
An easier freelance life with Factofly
Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.
Which a-kasse should you choose?
Choosing a social security fund can be a difficult and confusing choice.
There are only small differences between the different unemployment funds, where you should also look at the unemployment funds' offer to you as a self-employed person - Where do you feel you get the most value for money?
On the one hand, all social security funds offer financial security in the form of unemployment benefit if you were to close your business and become unemployed. So if this is the most important thing, you can prioritize a cheaper membership.
On the other hand, there is great potential for your company in the slightly more expensive memberships that offer advice, events, courses, etc., which can also be practical depending on the company and the resources you already have.
Your guide to choosing a social security fund as an independent freelancer
Life and finances as a self-employed person can be uncertain, which an unemployment insurance fund can help to minimize. It can therefore be wise in most situations to prioritize an a-kasse membership.
An a-kasse is an abbreviation of unemployment fund and secures you financially in the form of daily allowance, if you were to become unemployed and be without earnings or 'salary'. You can read more about salary as a self-employed person here.
When one as self employed want to be a member of an unemployment fund, it can be challenging to find which unemployment fund best accommodates independent life.
An easier freelance life with Factofly
Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.
Why have an a-kasse as a self-employed person?
Der kan være flere grunde til at have en a-kasse as self-employed, og også grunde som taler imod dette, selvom det i de fleste situationer kan være en god investering.
It all depends on your individual situation, form of business and personal preferences.
You can read much more about a-kasse membership for self-employed freelancers in our previous blog post here.
An easier freelance life with Factofly
Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.
List of unemployment funds for the self-employed
There are many different unemployment insurance funds that differ in expertise and focus area.
However, you should know that with all unemployment funds there is an accrual period, during which you must have been a member of a unemployment fund for a certain period of time before you can be paid unemployment benefits.
Here we have compiled a list of 9 relevant and cheap social security funds for the self-employed:
HK
One of Denmark's largest unemployment funds with over 280,000 members, HK, helps you as a self-employed person with tools and advice, and is also ready with qualified advice that covers a number of areas from wages and working conditions to legal help.
As a member, you pay DKK 517 per month for a full-time membership and part-time from DKK 395 per month.
Ftfa
At Ftfa, you pay DKK 468/month as a member. They strive to be 'more than a savings bank' and have even won "Best Savings Bank 2022".
Regardless of whether you have started or are considering starting your own business, Ftfa is ready with a wide range of skills within running an independent business and has several relevant offers, physical events, webinars, etc.
They have a unique collaboration with Entrepreneur Denmark, where as a self-employed person you can connect to a course that includes the start-up, operation and development of an independent business.
Ftfa is a good unemployment fund for those who want more knowledge, inspiration or a helping hand for independent living.
Effective
Another unemployment fund for the self-employed is the unemployment fund Virksom, which has a membership fee of DKK 480/month.
With Virksom, you get the opportunity to get advantageous insurances and, of course, financial security, as with all other social security funds, through unemployment benefits, should you be forced to close your business.
At Virksom, you can also buy what they call extra 'Organization', where you for DKK 199/month as a company you can get legal help, sparring for you and your company, free debt collection service and the option of a pension scheme.
If you want both unemployment insurance and organization, Virksom offers a total monthly price of DKK 567.
Virksom is a social security fund for you who want the opportunity to seek legal advice and other relevant guidance.
Ace
Ace 'grabs you if the dream breaks' with a membership fee of DKK 514/month.
If the dream were to burst, Ase promises up to DKK 19,351/month. in unemployment benefits, targeted online courses for the self-employed, help with writing applications and CVs as well as guidance before a possible job interview.
You also get access to Ase salary insurance, where you can get up to 80% of your salary covered and be paid anything between DKK 2,000–50,000 on top of your daily allowance, should you become unemployed.
Ase is a social security fund for you who want to further secure your income should you become unemployed.
Free
At a-kassen Frie, you get free salary insurance for the rest of the year 2022 and 3 months free Union. The membership fee is DKK 498/month and, like the other social security funds, ensures the right to receive unemployment benefit.
At Frie, you get the opportunity to salary guarantee of up to DKK 40,000. on top of your daily allowance for up to 12 months, and they are one of the social security agencies with the best rating on Trustpilot.
Frie is a cheap unemployment fund for the self-employed and is for you who want a simple unemployment fund membership, but with good guidance for the job search.
The academics' unemployment fund
The academics' social security fund costs a small DKK 467/month. and offers that you, as a member of the a-kassen, can become part of an entrepreneurial community, where you can get advice and sparring for life as a self-employed person.
Akademikernes a-kasse has a clear website with information on everything you should know as a self-employed person, regardless of whether you want to receive unemployment benefit or just information.
This a-kasse is one of the country's cheapest and is for you who want nothing more than insurance in the form of unemployment benefit in the event of unemployment.
Krifa
At Krifa, you pay DKK 505/month. for an a-kasse membership. You also get financial security here in the form of daily allowance and salary insurance, where you can get up to 90% of your current gross salary covered.
Your membership gives you access to advice and sparring within law, audit, debt collection and sick leave.
Here, as an independent person, you have the opportunity to be associated with a professional job coach and the opportunity for two career interviews per year.
Krifa is therefore an emergency fund for you as a self-employed person who values quick expertise and advice in certain areas of your business.
The Professional House
Det Faglige Hus is another cheap social security fund with a membership fee of DKK 486/month.
In addition to unemployment benefit, Det Faglige Hus offers discounts on insurance, including household, travel and/or accident insurance.
Det Faglige Hus differs from other social security funds by having a special one bargain shop, where members can save money on theme parks, holiday stays and other activities.
This social security fund is for you who see the advantage in a versatile and cheap membership, where you are also embraced as self-employed.
CA – Career partner and social security fund
The last unemployment fund on the list is CA, which has a membership price of DKK 505/month.
CA has many self-employed members and estimates that as a self-employed person you can make use of career and insurance advisers.
In addition, as a member, you can get access to legal help for your company in the form of guides, templates and useful links, where there are also several e-books aimed at independent living.
You can also purchase CA legal assistance for only DKK 55/month, where you get access to professional lawyers.
CA is an unemployment fund for you who want access to the necessary advice in various fields of competence and generally like the feeling of being included in all aspects of independent life.
An easier freelance life with Factofly
Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.
Which a-kasse should you choose?
Choosing a social security fund can be a difficult and confusing choice.
There are only small differences between the different unemployment funds, where you should also look at the unemployment funds' offer to you as a self-employed person - Where do you feel you get the most value for money?
On the one hand, all social security funds offer financial security in the form of unemployment benefit if you were to close your business and become unemployed. So if this is the most important thing, you can prioritize a cheaper membership.
On the other hand, there is great potential for your company in the slightly more expensive memberships that offer advice, events, courses, etc., which can also be practical depending on the company and the resources you already have.
