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Sick as a self-employed

If you are self-employed and become sick, the municipal authorities will, after 14 days, pay you sickness benefits (sygedagpenge).

You can take out an insurance against injuries and accidents.

Sickness

If you become ill and cannot work in your business, you can get sickness benefits (sygedagpenge) from the municipality - if you satisfy the employment requirements (beskæftigelseskravet). Unless you take out voluntary insurance, you will not receive sickness benefits (sygedagpenge) before the 15th day.

Sygedagpenge is 2/3 of the minimum benefits for unemployment benefits.

Voluntary sygedagpenge insurance

As a self-employed person, you can take out a voluntary insurance. The insurance provides the following benefits:

  • Sygedagpenge from the 1st or 3rd day of illness instead of the 15th day of illness
  • Right to minimum benefits throughout the entire period of illness - also beyond the first 2 weeks
  • After 2 weeks, you will get calculated sygedagpenge depending on if your profits entitle you to more than the minimum benefits. You can get sygedagpenge for 52 weeks.

The voluntary insurance is taken out with the Statens Administration

Sickness in a limited company

If you are employed in your own limited company, you can get sickness benefits (sygedagpenge) just like regular employees.
Read more on sickness benefits in Borger.dk

Labour Market Occupational Diseases - AES

(Arbejdsmarkedets Erhvervssygdomssikring - AES) AES allows you to get compensation if you get an occupational disease. An occupational disease is a disease caused by work or working conditions.
There may be several years from being the victim of an adverse impact of the disease appear.

Arbejdsmarkedets Erhvervssygdomssikring ia taken out at Borger.dk

Accidents

Coverage for accident insurance is through a private insurance company.


I like the idea of working hard now, so you can earn big later.
– Alex Fraiser, young entrepreneur

 

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