Artikelresumé
- ✅ A&Til is a cross-sector a-kasse open to all professions: no matter what field you work in
- ✅ Full-time membership costs 521 DKK/month (approx. 349 DKK/month after tax deduction): one of the cheapest in Denmark
- ✅ Student membership is free for up to 5 years, and seniority accrues throughout your studies
- ✅ Unemployment benefits (dagpenge) of up to 22,041 DKK/month in 2026
- ✅ Formerly known as FTFa: the name changed to A&Til in 2025, but all member rights, seniority, and contributions remained unchanged
What is A&Til A-kasse?
An a-kasse (arbejdsløshedskasse) is a Danish unemployment insurance fund. If you lose your job, your a-kasse pays you monthly unemployment benefits, called dagpenge, while you look for new work. Membership is voluntary, but around 83% of the Danish workforce is enrolled. The financial safety net it provides is significantly higher than basic state welfare.
A&Til is one of Denmark’s leading tværfaglig (cross-sector) a-kasses. That means it is not tied to a single profession or industry. Whether you work in IT, healthcare, education, finance, logistics, or any other field, you can join A&Til. This makes it particularly well-suited for a-kasse for international employees who may not fit neatly into a profession-specific Danish union.
A&Til provides:
- Monthly unemployment benefits (dagpenge) if you become involuntarily unemployed
- Career counselling and job search support
- Access to a network of 51 union partners
- Optional wage protection insurance (lønsikring)
Formerly Known as FTFa – What Changed?
If you have researched Danish a-kasses before, you may have come across the name FTFa or FTFA. These are the same organisation. In May 2025, FTFa officially rebranded to A&Til.
The name change was purely cosmetic. Nothing else changed:
- Existing members kept all their seniority (anciennitet)
- All rights and benefits remained identical
- No action was required from existing members
- Contributions already paid were fully carried over
If you see references to FTFa online, they refer to the same fund now operating as A&Til.
Why A&Til is Ideal for International Workers in Denmark
Many a-kasses in Denmark are tied to a specific profession or sector. If you are an international worker – perhaps with a varied career background or working in a field that doesn’t map cleanly onto Danish union structures – a profession-specific a-kasse can feel restrictive.
A&Til solves this. As a cross-sector a-kasse Denmark workers from any background can join. You do not need to be a member of a particular union. You do not need to work in a specific industry.
Here is why internationals choose A&Til:
- No profession restriction: open to all workers regardless of field
- English-language support: A&Til provides guidance and information in English
- Low price: 521 DKK/month is among the cheapest full-time rates available
- Free student membership: ideal if you are studying in Denmark before entering the workforce
- Flexible career support: job search tools and career counselling suited to a modern, mobile workforce
If you want to compare all a-kasses before deciding, use the free a-kasse calculator to find the best match for your situation.
Who Can Join A&Til?
A&Til is open to virtually everyone in the Danish labour market:
- Employees: full-time and part-time, in any sector
- Students: free membership for up to 5 years (seniority accrues during studies)
- Recent graduates: special graduate rules apply (see the graduate rule (dimittendregel) for details)
- Self-employed: can join under specific conditions
- Career changers: switching industries is no barrier to membership
The only hard requirement is that you live and work (or study) in Denmark and are registered with the Danish authorities.
A&Til Prices 2026
A&Til is one of the most competitively priced a-kasses in Denmark. Here is how it compares to the other main cross-sector options:
| A-kasse | Full-time monthly price |
|---|---|
| Det Faglige Hus | 528 DKK (a-kasse only) |
| A&Til | 521 DKK ✅ |
| Krifa | 556 DKK |
| ASE | 560 DKK |
| Lederne A-kasse | 643 DKK/mo (bundle, managers only) |
| CA A-kasse | 561 DKK/mo (a-kasse only, academics) |
| Min A-kasse | 542 DKK/mo | Open to all, physical offices |
A&Til comes in at 521 DKK/month cheaper than both Krifa a-kasse and Det Faglige Hus on a-kasse price alone. Note that Det Faglige Hus offers a combined a-kasse + union bundle from 597 DKK/month total, which may be the cheapest complete package if you also need union membership. If you work as a self-employed or freelancer you might want to check out ASE A-kasse.
If you are in a management role, Lederne a-kasse is the dedicated leadership option: Denmark’s only union built exclusively for managers.
For business and economics graduates, CA A-kasse is the specialist alternative with a 4.7/5 Trustpilot score and free student membership.
Monthly Membership Fee
| Membership type | Price |
|---|---|
| Full-time employee | 521 DKK/month |
| After tax deduction (approx.) | ~349 DKK/month |
| Efterløn add-on | 593 DKK/month |
| Student | Free |
The membership fee is tax-deductible, which brings the effective monthly cost down to approximately 349 DKK for a full-time member. That is less than 12 DKK per day for comprehensive unemployment coverage.
Student Membership (Free)
If you are currently studying in Denmark, A&Til membership is completely free for up to 5 years. Crucially, your seniority (anciennitet) accrues throughout your studies. This means that by the time you graduate and start working, you may already be partway or all the way through the 12-month qualifying period for dagpenge.
Starting your a-kasse membership as a student is one of the smartest financial moves you can make in Denmark.
Efterløn (Early Retirement) Option
A&Til also offers access to efterløn – Denmark’s voluntary early retirement scheme. The add-on costs 593 DKK/month on top of your standard membership. To be eligible, you must enrol before the age of 30. The efterløn benefit follows the same maximum rate as dagpenge: up to 22,041 DKK/month.
If early retirement is part of your long-term plan in Denmark, enrol as early as possible.
Unemployment Benefits (Dagpenge) with A&Til
How Much Can You Receive?
If you become unemployed, A&Til pays you dagpenge monthly unemployment benefits while you actively search for work.
2026 dagpenge rates with A&Til:
| Benefit | Amount |
|---|---|
| Maximum dagpenge | 22,041 DKK/month |
| With employment supplement (first 3 months) | up to 26,198 DKK/month |
| Duration | Up to 2 years (104 weeks) |
The employment supplement (beskæftigelsestillæg) applies during the first three months of unemployment and can push your total benefit up to 26,198 DKK/month a meaningful buffer while you get back on your feet.
Eligibility Requirements
To receive dagpenge from A&Til, you must meet the following conditions:
- Membership duration: At least 12 months as a paying member
- Income threshold: Earned at least 286,632 DKK over the past 3 years (or equivalent in hours worked)
- Availability: Registered as unemployed with your local job centre (jobcenter)
- Active job search: Actively applying for jobs and available to start work immediately
- Involuntary unemployment: You must not have quit your job without good reason
Recent graduates may qualify under the graduate rule (dimittendregel), which has different income requirements.
Extra Member Benefits
Jobmakker – Digital Job Search Platform
All A&Til members get access to Jobmakker, a digital job search platform designed to make your job hunt more structured and effective. Jobmakker helps you:
- Organise your job applications
- Track your progress and deadlines
- Access job search tips and tools
It is particularly useful during the first weeks of unemployment, when staying organised can make a real difference to how quickly you find a new position.
Career Counselling and CV Review
A&Til offers personal career counselling and CV review as part of your membership. You can book a session with a career adviser who will help you:
- Identify your strengths and career direction
- Tailor your CV for the Danish job market
- Prepare for interviews
This service is included in your membership, no extra cost. For international workers navigating the Danish job market for the first time, this guidance can be invaluable.
Wage Protection Insurance (Lønsikring)
A&Til offers optional wage protection insurance, lønsikring, that tops up your dagpenge if your previous salary was significantly higher than the dagpenge maximum.
Lønsikring Basis
- Cost: 150 DKK/month
- Extra coverage: up to 7,500 DKK/month on top of dagpenge
- Duration: up to 6 months
Lønsikring Flex
- Coverage: up to 90% of your previous salary
- Maximum: 60,000 DKK/month
- Duration: up to 12 months
Conditions for both plans:
- 9-month qualification period before coverage activates
- Minimum 80 hours of work per month for 12 consecutive months
- Unemployment must be involuntary
- 30-day waiting period (karensperiode) before payments begin
Lønsikring is worth considering if your salary is well above the dagpenge ceiling. It ensures your income does not drop dramatically in the event of redundancy.
How to Join A&Til (Step by Step)
Joining A&Til is straightforward. The entire process can be completed online in a few minutes.
- Go to the A&Til website and click “Become a member”
- Enter your details: name, CPR number, employment status, and start date
- Choose your membership type: full-time, part-time, or student
- Add optional extras: lønsikring Basis or Flex, efterløn if applicable
- Confirm and pay: your first payment is collected the following month
- Receive confirmation: you will get a membership confirmation by email
Your membership is active from the date you sign up. The 12-month qualifying period for dagpenge starts immediately.
How to Switch to A&Til from Another A-kasse
Already a member of another a-kasse? Switching to A&Til is simple, and your seniority transfers automatically.
How to switch:
- Sign up with A&Til first: do not cancel your current a-kasse yet
- A&Til contacts your previous a-kasse on your behalf to request a seniority transfer
- Your previous a-kasse confirms the transfer within approximately one month
- Your old membership is cancelled automatically once the transfer is complete
Your seniority (anciennitet) carries over in full. You do not lose any time you have already built up. The switch typically takes around one month from start to finish.
There is no penalty for switching. If you have found a cheaper or better-suited a-kasse, it is always worth making the move.
A&Til Reviews – What Members Say
A&Til holds a Trustpilot rating of 4.1 out of 5, based on more than 2,600 reviews.
What members praise:
- ✅ Low monthly price
- ✅ Easy and fast online sign-up
- ✅ Helpful career support tools
- ✅ Clear communication about rights and benefits
What some members flag:
- Response times can be slower during busy periods
- Cancellation process requires following the correct steps
Overall, the reviews reflect a fund that delivers solid value for money. For international workers who prioritise price, flexibility, and digital access, the feedback is consistently positive.
FAQ – A&Til A-kasse in English
Is A&Til a-kasse available in English? Yes. A&Til provides information and guidance in English on their website and through their member services. This makes them one of the more accessible a-kasses for international workers and expats in Denmark.
What is the difference between A&Til and FTFa? They are the same organisation. FTFa rebranded to A&Til in May 2025. The name change had no effect on membership rights, seniority, or contributions. If you were a member of FTFa, you are now automatically a member of A&Til.
Can I join A&Til if I work in any profession? Yes. A&Til is a tværfaglig a-kasse english speakers often call “cross-sector.” It is open to workers in all industries and professions. You do not need to be a member of a specific union.
How much does A&Til cost per month in 2026? Full-time membership costs 521 DKK/month. After the tax deduction, the effective cost is approximately 349 DKK/month. Student membership is free for up to 5 years.
How long do I need to be a member before I can receive dagpenge? You must be a member for at least 12 months and meet the income requirements (at least 286,632 DKK earned over the past 3 years). Students who join during their studies may already have accrued seniority by graduation.
Can I switch to A&Til from another a-kasse without losing my seniority? Yes. Your seniority transfers automatically when you switch. A&Til handles the process on your behalf. The switch takes approximately one month.
Is A&Til the cheapest a-kasse in Denmark? A&Til is one of the cheapest cross-sector a-kasses in Denmark at 521 DKK/month. Det Faglige Hus offers a combined a-kasse + union bundle that may work out cheaper overall if you need both. Use the free a-kasse calculator to compare all options based on your situation.
Ready to Join A&Til?
A&Til is a strong choice for any international worker in Denmark who wants a flexible, affordable, cross-sector a-kasse with solid career support and English-language service. At 521 DKK/month, around 349 DKK after tax, it delivers comprehensive unemployment protection without locking you into a single profession or industry.
Whether you are just starting out in Denmark, switching jobs, or planning ahead, A&Til gives you the safety net you need.
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