Worth knowing - CA a-kasse
Worth knowing - CA a-kasse
Worth knowing - CA a-kasse
You also want an ePaper? Increase the reach of your titles
YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.
<strong>Worth</strong> <strong>knowing</strong><br />
– when you are unemployed<br />
www.ca.dk<br />
Tlf. 3314 9045<br />
juni 2013
<strong>Worth</strong> <strong>knowing</strong> – when<br />
you are unemployed<br />
Who is who Who will you meet What legal<br />
requirements do you need to satisfy What<br />
options do you have And a lot of other stuff.<br />
Introduction<br />
For most people meeting the unemployment insurance fund<br />
and the unemployment benefits system is an entirely new<br />
world with many new requirements and concepts.<br />
This brochure describes who you will meet when you are<br />
unemployed, the requirements you must satisfy and the<br />
options you have when you receive unemployment benefits.<br />
For you to be entitled to unemployment benefits you must<br />
be actively seeking a job and be available to the labour<br />
market. In the brochure you can see the demands you must<br />
meet to be actively seeking a job and be available.<br />
You can amongst others read about mandatory meetings<br />
and what the consequences are if you fail to turn up for a<br />
meeting.<br />
You can also see what opportunities you have to pursue<br />
an education, apply for complementary benefits for a job<br />
on reduced working hours or obtain approval for selfemployment<br />
as secondary work.<br />
Always contact <strong>CA</strong> a-<strong>kasse</strong> if you are in doubt about anything<br />
regarding your unemployment benefits. You can contact<br />
us by telephone, in writing or in person at our premises at<br />
Smakkedalen in Gentofte or at Vesterport in Aarhus.<br />
Who do you meet when you are<br />
unemployed<br />
<strong>CA</strong> a-<strong>kasse</strong> – Job and Career<br />
At <strong>CA</strong>´s career counsellors’ at Job and Career you can<br />
always get advice and guidance on applications and CV,<br />
interview training, tests, coaching and career development.<br />
At Job and Career’s you can also attend a number of<br />
different job seeking seminars directed at the different<br />
phases of the job search, f.inst. ‘Application and CV’, ‘Proactive<br />
job search’, ‘Scoring the test’ and ‘Success at the<br />
interview’. Read more on the flip side of this brochure or on<br />
www.ca.dk/job_karriere/.<br />
<strong>CA</strong> a-<strong>kasse</strong> – The insurance department<br />
The insurance department deals with everything that has<br />
to do with your unemployment benefits. Our insurance<br />
counsellors know the unemployment insurance fund<br />
legislation and you can get advice and guidance on the<br />
possibilities the unemployment benefits system holds.<br />
The Job centres<br />
The Job centres hold the responsibility for activation, job<br />
facilitation, training permission and ordinary counselling.<br />
You shall meet with the Job centre at least once every third<br />
month throughout your unemployment.<br />
Other parties<br />
‘Other parties’ are various private companies to which the<br />
Job centres outsource part of their job tasks. For example<br />
an other parties can be in charge of seminars, counselling<br />
and the contact to you.<br />
CONTACT<br />
Copenhagen<br />
Send an e-mail to ca@ca.dk or call<br />
3314 9045. The telephones are open<br />
from Monday to Thursday from 8.30<br />
till 17.00 and Fridays from 9.30 till<br />
15.00.<br />
Aarhus – only career counselling<br />
Send an e-mail to aarhus@ca.dk or<br />
call 3314 9045. The telephones are<br />
open from Monday to Thursday from<br />
8.30 till 17.00 and Fridays from 9.30<br />
till 15.00<br />
2
Availability – requirements and possibilities<br />
In order to have the right to unemployment benefits you<br />
must be available to the labour market and actively be<br />
seeking a job. Being available means meeting a number of<br />
requirements.<br />
Residence in DK and registered as a job seeker<br />
You must reside and have your address in Denmark<br />
You must be registered as a job seeker on<br />
www.jobnet.dk<br />
CV and CV interview<br />
Register your CV on www.jobnet.dk at the latest 3 weeks<br />
after you have registered your unemployment.<br />
Your CV on Jobnet must include zip code and telephone<br />
number.<br />
You will be summoned for a CV meeting within the first 3<br />
weeks after your registration with the Job centre.<br />
Prior to the meeting you must complete a Job plan where<br />
you describe at www.ca.dk/selvbetjening/<br />
the CV- and job banks you use<br />
how you employ your network<br />
the kinds of job you seek – characteristics/job<br />
categories<br />
within which geograpical area you are searching for a<br />
job<br />
how many jobs you investigate per week and how many<br />
jobs you expect to apply for per week<br />
job seeking method – for example if you send uninvited<br />
applications<br />
your thoughts on courses/training that can increase<br />
your job possibilities<br />
questions/subjects you need clarification on<br />
Moreover, you are to upload two examples of your<br />
applications that we will use to evaluate the seriousness<br />
of your applications. You will not receive feed-back on your<br />
applications during the meeting.<br />
At the meeting itself we will – if need be – adjust your Job<br />
plan. Thereafter your Job plan is binding and describes how<br />
you will go about your job search the following 3 months. We<br />
will send you further information prior to the meeting.<br />
The Job plan will follow you during the course of your<br />
unemployment. You have via Directen access to seeing your<br />
Job plan so that you are always aware of the agreements you<br />
have made with <strong>CA</strong> up until the next meeting.<br />
If you have been summoned for a meeting at the Job centre,<br />
other parties or <strong>CA</strong> a-<strong>kasse</strong> and you are activated the<br />
meeting can be a telephone call.<br />
Check your job proposals at the Job centre every 7 days.<br />
every 7 days to check your job proposals. If you forget,<br />
it may have consequences for your unemployment<br />
benefit. The third time you fail to check your job<br />
proposals timely, you are deregistered as a job seeker<br />
without advance warning.<br />
Meeting on a day’s notice<br />
You shall on a day’s notice be able to attend all meetings<br />
and seminars for which the Job centre, other parties or<br />
<strong>CA</strong> a-<strong>kasse</strong> invites you.<br />
You must read your mail every day as you may be called<br />
in for a meeting on a day’s notice.<br />
Therefore you must keep the Job centre, other parties<br />
and <strong>CA</strong> a-<strong>kasse</strong> informed about your current address.<br />
Forwarding your mail is not sufficient as that typically delays<br />
the mail 24 hours. You bear the responsibility yourself for<br />
missing information.<br />
Facilitated work and active job search<br />
You must be available for work with a daily commuting<br />
up to 3 hours with public transport. Upon 3 months’<br />
<br />
3
unemployment you must be available for work with a<br />
daily commuting of 3 hours plus.<br />
You must be able to take on facilitated work full time on<br />
a day’s notice from the first day of your unemployment.<br />
You must be prepared to take on a job at a lower<br />
organisational level or at a lower educational level than<br />
what you have had earlier.<br />
You are to actively apply for at least two full-time jobs<br />
from the first day of your unemployment. The jobs are<br />
to be in Denmark - and one of them is to advertised.<br />
Naturally, you are to seek employment within your<br />
subject area where the chance of finding a job that<br />
matches your profile is biggest. However, if no vacancy<br />
exists within the area you want mostly, you are obliged<br />
to expand your work search area to other jobs you can<br />
manage after for inst. a little training. You shall search<br />
in the usual way for the profession in question. There<br />
should never be a week in which you don’t apply for a<br />
job, unless you have a legal hindrance such as vacation,<br />
work or sickness.<br />
There must be no hindrances for your taking on work.<br />
If for example you are sick during a period and unable<br />
to work, you cannot get unemployment benefits. In<br />
stead you have to apply for sickness benefits from your<br />
municipality. For that reason it is important that you<br />
contact the Job Center on the first day of sickness.<br />
Remember, if you have an interview with <strong>CA</strong>/Job centre/<br />
other parties, you must inform of your sickness prior to<br />
the meeting.<br />
Remember to notify your sickness to the Job Center on<br />
the first day of sickness.<br />
Availability meeting/information meeting<br />
When you are unemployed and receive unemployment<br />
benefits you will have a mandatory meeting with the<br />
unemployment insurance fund every 3 months. At the<br />
meeting we are to evaluate whether you are available to the<br />
labour market.<br />
Our starting point will be the Job plan you took part in<br />
making at the information meeting.<br />
At the interview we will – if need be – adjust your Job plan.<br />
Your Job plan is binding and describes how you will go about<br />
your job search the following 3 months.<br />
Prior to the meeting you are to fill in your job applications<br />
form (please keep it updated) you have submitted at www.<br />
ca.dk/selvbetjening/ (log on Online A-<strong>kasse</strong> and choose<br />
Jobsøgning). If you need help with your applications, you can<br />
sign up for job search courses at <strong>CA</strong> covering your needs.<br />
You must also upload a job search list so that we can go<br />
over your job search with you at the meeting. You will receive<br />
further information prior to the meeting.<br />
If you are not available– Consequences<br />
If we during an availability talk or by other means find that<br />
you are not available to the labour market or that you have<br />
not done enough to find full-time work, you cannot receive<br />
unemployment benefits. In that case you can only get<br />
unemployment benefits again once you have worked more<br />
than 300 hours within 10 weeks.<br />
Availability otherwise<br />
It is our duty to perform an evaluation of availability if you act<br />
in a way so that doubts as to your availability arise. That is<br />
the case for example if you<br />
fail to turn up for a meeting with the Job centre, other<br />
parties or <strong>CA</strong> a-<strong>kasse</strong><br />
have seasonal employment<br />
are registered as being sick for a rather longer time<br />
tender your resignation from a full-time job in order to<br />
work on reduced working hours in stead<br />
do not draw up your CV on www.jobnet.dk<br />
act in such a way that doubts as to your availability arise<br />
Thus the meeting is about two things. How you have been<br />
looking for work in the period up to the meeting, and what<br />
you can do to get a job.<br />
4
Activation<br />
Under 30 years<br />
When you have been unemployed for 13 weeks altogether,<br />
it is your right and duty to be activated.<br />
When you have ended an activation, you shall start the next<br />
activation at the latest 6 months later.<br />
Over 30 years and under 60 years<br />
When you have been unemployed for 39 weeks altogether, it<br />
is your right and duty to be activated.<br />
Over 60 years<br />
When you have been unemployed for 26 weeks altogether, it<br />
is your right and duty to be activated.<br />
Activation can be employment with salary subsidy at a<br />
private or public enterprise, work practice for 4 weeks or<br />
training education.<br />
Job plan with the Job centre<br />
The agreements you make with the Job centre or other<br />
parties on activation will be registered in a Job plan.<br />
Consequently, you are to make both a Job plan with the<br />
unemployment insurance fund for job search and a Job plan<br />
with the Job centre for activation.<br />
The agreements in the Job plan with the Job centre<br />
are binding agreements and cannot be broken without<br />
agreement with Job centre or other parties. If you break<br />
the agreement, it may have consequences for your<br />
unemployment benefits.<br />
It’s a good idea that you prepare yourself before you are to<br />
talk about activation with the Job centre or other parties.<br />
For example, if you lack specific competences in order to get<br />
a job and for that reason want training, or if you lack work<br />
experience and thus want employment with salary subsidy.<br />
If you stay away from a meeting<br />
Everytime you stay away from or cancel a meeting that<br />
the unemployment insurance fund, the Job centre or<br />
other parties has called in for, you lose as a minimum the<br />
unemployment benefits for that particular day and until you<br />
have again contacted the meeting organizer. That applies<br />
regardless of the kind of meeting or activity you cancel or fail<br />
to turn up for.<br />
If you cancel before the interview, you lose as a miminum<br />
only unemployment benefits for the particular day of the<br />
meeting. It has, however, no consequences for you, if you<br />
cancel because you have a job interview at the same time,<br />
if you are working on the day, if you are meeting with other<br />
parties/Job centre or if you notify of sickness prior to the<br />
meeting.<br />
Vacation is also a valid reason for absence if you have<br />
informed the Job centre and the unemployment insurance<br />
fund about the vacation prior to your being called in for the<br />
meeting. Read more under the paragraph on ‘Vacation’.<br />
If you have signed a contract of employment and are<br />
to commence work later than the day of the meeting ,<br />
attendance is mandatory, provided you want unemployment<br />
benefits up until that day when you commence work.<br />
3 weeks’ quarantine for rejections and resignations<br />
You get 3 weeks’ effective quarantine for self-inflicted<br />
unemployment if mandatory without a valid reason<br />
tender your resignation<br />
reject a job facilitated to you<br />
reject or discontinue an offer of activation or retraining<br />
from the Job centre/other parties<br />
reject participation in preparing or revising a Job plan<br />
for activation<br />
accept a too short notice.<br />
You ought always contact us and learn about the<br />
consequences before you reject or discontinue a work or an<br />
offer.<br />
Repeat consequences and self-inflicted unemployment<br />
If within a 12 months’ period you are quarantined twice for<br />
self-inflicted unemployment – regardless of the reason – you<br />
lose your right to unemployment benefits until you have had <br />
5
more than 300 hours of ordinary work within a 10 weeks’<br />
period.<br />
All kinds of self-inflicted unemployment count in the<br />
calculation.<br />
Valid reasons exempt from quarantine<br />
You are not self-inflicted unemployed if you have a valid<br />
reason for rejection, discontinuation or absence. The valid<br />
reasons are expressly mentioned in The Employment Service<br />
and Unemployment Insurance Act.<br />
You find them on our homepage under www.ca.dk/<br />
gyldigegrunde - contact <strong>CA</strong> a-<strong>kasse</strong> if you want to learn<br />
more.<br />
If you want to learn more about availability<br />
Read more on www.ca.dk/raadighed or contact one of our<br />
insurance counsellors.<br />
6
Unemployment benefits<br />
when going abroad<br />
When you are unemployed, you have the opportunity to get<br />
Danish unemployment benefits while you are seeking work<br />
in another EEA country.<br />
If you have plans to work abroad, you ought to contact us.<br />
For the legislation in this area is very complicated; and many<br />
traps exist. There is a distinction between working within the<br />
EEA area and working elsewhere abroad.<br />
If you have a job interview abroad, you can get<br />
unemployment benefits although you are not in Denmark.<br />
You must however contact us prior to departure and you<br />
must have returned to Denmark latest 5 days after your<br />
departure.<br />
Read more on www.ca.dk/udland<br />
Holiday<br />
You can of course take vacation although you are<br />
unemployed. You can spend that holiday payment which you<br />
have earned with an employer or you can apply for holiday<br />
benefits if that possibility applies to you.<br />
You have no rights to holiday unemployment benefits if you<br />
are self-employed as your primary work.<br />
other parties, your presence is compulsory. This is also<br />
the case even though there are more than 14 days to your<br />
desired vacation. We therefore recommend you notify both<br />
the Job Center and <strong>CA</strong> of your vacation as early as possible.<br />
Remember always to notify <strong>CA</strong> of your vacation before it<br />
starts.<br />
Particularly for graduates<br />
You will earn the right to holiday benefits according to the<br />
benefits you have received from <strong>CA</strong> the previous calendar<br />
year. If you have not received benefits from neither <strong>CA</strong>,<br />
another unemployment insurance fund nor benefits for<br />
maternity leave from your municipality you do not have the<br />
right to holiday benefits.<br />
What benefits do you get during the holidays<br />
If you have a holiday slip from FerieKonto, you register the<br />
holiday yourself at www.feriekonto.dk.<br />
If you have to apply for holiday benefits you must use<br />
particular application forms on holiday unemployment<br />
benefits for wage earners or for newly graduates.<br />
Read more on www.ca.dk/ledig/ferie/<br />
Notify the Job centre – and <strong>CA</strong> – of your holiday<br />
If you are unemployed at the time of your vacation, you must<br />
remember to notify your Job centre of your vacation plans<br />
no later than 14 days prior to the first day of the vacation.<br />
Otherwise it is your duty to attend meetings and activities for<br />
which the Job centre calls in – also if you are on vacation.<br />
If you do not attend, you lose the right to unemployment<br />
benefits for a period. Read more in the previous paragraph<br />
‘If you stay away from a meeting’.<br />
You must notify the Job centre of vacations irrespective<br />
of your taking vacation at your own expense, with holiday<br />
benefits or holiday payment.<br />
Important! If you wish to take vacation and you have been<br />
called in for a meeting at <strong>CA</strong> a-<strong>kasse</strong>, at the Job centre or<br />
7
Self-employment while<br />
you are unemployed<br />
As a starting point you have no rights to unemployment<br />
benefits if you are self-employed.<br />
However, if you can have your company approved as<br />
secondary work, you can get unemployment benefits up to<br />
78 weeks at the same time as you run your company. The<br />
hours you spend on your company are deducted from your<br />
unemployment benefits.<br />
In order to have your company approved as secondary work,<br />
you must satisfy a number of requirements where the<br />
essential is that you must be fully available to the labour<br />
market.<br />
You are allowed to work only a limited number of hours in<br />
the company and you have to be able to do all your tasks in<br />
the company outside normal working hours.<br />
The rules are very strict so we recommend that you<br />
always contact one of our insurance counsellors if you<br />
are contemplating self-employment in order to learn<br />
more about the opportunities of running an independent<br />
undertaking while receiving unemployment benefits.<br />
Would you like to know more about self-employment as secondary<br />
work<br />
Read more on www.ca.dk/bibeskaeftigelse or contact one of<br />
our insurance counsellors.<br />
You can also contact a career counsellor and get good advice<br />
on starting your own company. Call ‘Job og Karriere’ on 3314<br />
9245<br />
Read more about self-employment on www.ca.dk/<br />
selvstændig/ and on www.virk.dk<br />
Complementary benefits<br />
If you get a job on reduced working hours, you can in many<br />
instances get complementary benefits. We recommend that<br />
you always contact us before you start a job on reduced<br />
working hours with a view to clarifying whether you satisfy<br />
the requirements for receiving complementary benefits.<br />
Availability for full-time work<br />
In order to get the right to complementary benefits, you<br />
must basically satisfy the same requirement as if you are out<br />
of a job.<br />
Consequently you need to be registered at www.<br />
jobcenter.dk as a full-time job seeker even though you<br />
are working part time.<br />
You must actively apply for minimum two full-time jobs<br />
every week and be able to take on full-time facilitated<br />
work on a day’s notice.<br />
You are only able to take on full-time work with one<br />
day’s notice if you can resign from your part time job<br />
with one day’s notice<br />
Notice and ‘release certificate’<br />
If you are bound by a notice towards your employer, you can<br />
only get complementary benefits if the employer fills in a<br />
‘release certificate’ (frigørelsesattest).<br />
The ‘release certificate’ gives you the option to resign with<br />
one day’s notice if you are offered a job with more working<br />
hours.<br />
We must receive your ‘release certificate’ no later than 5<br />
weeks after the first day of your employment. If you have<br />
completed an education and have graduated, the 5 weeks’<br />
deadline starts running the day you earn the right to<br />
unemployment benefits. You earn the right to unemployment<br />
benefits one month after having graduated.If we receive the<br />
‘release certificate’ later, you will only get unemployment<br />
benefits from the day we receive it.<br />
NOTE!<br />
You may be bound by a notice even though it is not<br />
mentioned in your contract. That is the case for instance if<br />
you work in an area where a collective agreement stipulates<br />
notices.<br />
8
If you do white-collar work for more than 8 hours a week,<br />
the stipulations of the Salaried Employees Act automatically<br />
apply.<br />
This is how you apply for complementary benefits<br />
You apply for complementary benefits by sending us a<br />
questionnaire on employment together with a ‘release<br />
certificate’ if you are bound by a notice towards your<br />
employer. Remember we must receive a ‘release certificate’<br />
no later than 5 weeks after you have commenced work. If it<br />
is received later, you only have the right to complementary<br />
benefits once the ‘release certificate’ has been received.<br />
You find the forms on www.ca.dk/blanketter/<br />
Work is offset against your unemployment benefits<br />
You can only get complementary benefits in those weeks<br />
where you are unemployed for at least 7.4 hours.<br />
We deduct the number of worked hours for which you<br />
receive a salary from the unemployment benefits.<br />
If you are paid for more than 37 hours a week, these hours<br />
will be deducted from your unemployment benefits the<br />
following week.<br />
You can also continue to work part time without receiving<br />
complementary benefits.<br />
If you are not bound by a notice towards your employer, you<br />
do not need a ‘release certificate’.<br />
G-days and complementary benefits<br />
When you become unemployed after a job, your employer<br />
must pay the first 3 unemployed days (g-days), if you have<br />
had at least 74 hours of work within 4 weeks.<br />
If you are loosely employed, your employer must pay the<br />
g-days every day you have unemployed hours if you have had<br />
at least 74 hours of work within the previous 4 weeks. Read<br />
more on www.ca.dk/gdage.<br />
If you want to learn more about complementary benefits<br />
Read more on www.ca.dk/supplerendedagpenge or contact<br />
one of our insurance counsellors.<br />
If your employer cannot control or has great difficulty with<br />
controlling your working hours, we then deduct your income<br />
relatively using a rate of conversion which in 2013 amounts<br />
to DKK 213.19. That is the case for example if you are a<br />
teacher or a lecturer.<br />
Read about avoiding uncontrollable work time and<br />
conversion on www.ca.dk/kontrollabelarbejdstid.<br />
Time limit of 30 weeks<br />
You can get complementary benefits up to 30 weeks within<br />
a period of 104 weeks. When the 30 weeks have passed,<br />
you can quit your job without being quarantined if at the<br />
earliest you leave your job at the same time as your right to<br />
complementary benefits expires and at the latest 26 weeks<br />
after.<br />
9
Education – what is allowed<br />
While you are unemployed, you can attend different courses<br />
and programs in order to qualify for returning to the labour<br />
market.<br />
You can get unemployment benefits while attending courses<br />
as long as they are not a part of the educations accepted as<br />
a part of the Danish Students’ Grants and Loans Scheme<br />
(SU) and there are less than 20 lessons a week.<br />
<strong>CA</strong> a-<strong>kasse</strong> must approve your right to attend a course.<br />
Contact one of our insurance counsellors, before you start<br />
on a course as it may have consequences for your right to<br />
unemployment benefits. You must pay for books and fees<br />
yourself.<br />
6 weeks’ training of your own choice<br />
If you are 25 years or older you can participate in 6 weeks<br />
training of your own choice when you have received benefits<br />
(dagpenge) for at least 18 weeks. However, this option is<br />
only available until you have received benefits for a total of<br />
57 weeks. If you are under 25 years old, special rules apply -<br />
please contact us for further information.<br />
Note: If you have part time work and receive complementary<br />
benefits, as an unemployee you cannot be accepted for 6<br />
weeks’ training of your own choice. This is also the case<br />
if your self-employment has been approved as secondary<br />
work.<br />
It is, however, important to know under which law the course<br />
is offered.<br />
If you have acquired a higher education within the last 5<br />
years, you can only participate in courses at a higher level<br />
which are offered under Act on Open Education.<br />
You can also attend adult vocational training programmes<br />
(AMU) provided, however, you have not acquired or employed<br />
professionally a higher education within the last 5 years.<br />
If in doubt please contact the seminar provider or the<br />
unemployment insurance fund. The education benefits are in<br />
most cases equal to the unemployment benefits.<br />
The unemployment benefits shall be approved and paid out<br />
by the unemployment insurance fund whilst the Job centre<br />
is to cover the course fee.<br />
Read more on www.ca.dk/uddannelseforledige<br />
Senior job<br />
You have the opportunity to apply for senior jobs if you<br />
have reached the age of 55 at the time your right to<br />
unemployment benefits expires. Moreover, you have to<br />
satisfy the demands for receiving voluntary early retirement<br />
pay scheme benefits (efterløn) at 60. You can earliest start<br />
a senior job the day your right to unemployment benefits<br />
expires.<br />
In a senior job you are employed in your municipality at the<br />
corresponding collective agreement pay, and you can only<br />
be given notice if you don’t comply with agreements reached<br />
with the employer. The senior job continues until you are<br />
eligible for voluntary early retirement pay scheme benefits.<br />
If the job is abolished, the municipality is to offer you another<br />
senior job.<br />
You must apply yourself<br />
You must apply yourself for the senior job in your<br />
municipality. You can do so 3 months before your right to<br />
unemployment benefits expires and latest 2 months after.<br />
The municipality then has the obligation to employ you in a<br />
senior job latest 2 months after your application, however,<br />
earliest from the day your right to unemployment benefits<br />
expires.<br />
The employment must to the extent possible take your<br />
qualifications and interests into consideration.<br />
You must be available for facilitated work while<br />
performing the senior job and you shall continue paying<br />
the unemployment insurance fund subscription and the<br />
voluntary early retirement pay scheme contribution.<br />
You don’t earn a new right of unemployment benefits in the<br />
10
senior job.<br />
Voluntary early retirement pay scheme benefits (efterløn)<br />
The voluntary early retirement pay scheme benefits is a<br />
programme where you can get voluntary early retirement<br />
pay scheme benefits up to 3 years prior to retirement.<br />
Even though you don’t consider the voluntary early<br />
retirement pay scheme benefits, it may be a good idea to<br />
contribute to the programme because it gives you several<br />
options:<br />
1. The option for withdrawal up to 3 years prior to<br />
retirement.The retirement age for a person born from<br />
1 January 1977 and later is 70½ years of age. You can<br />
benefit from the early retirement scheme from you have<br />
turned appx. 67½ years of age.<br />
2. A tax-free premium if you postpone the voluntary early<br />
retirement pay scheme and work until retirement.<br />
3. Have the money returned with ‘interests’. If you<br />
withdraw from the voluntary early retirement pay<br />
scheme programme, your contributions are transferred<br />
to your pension savings.<br />
4. You can receive the early retirement benefits in<br />
Denmark and in the EEA countries.<br />
The voluntary early retirement pay scheme contribution<br />
refund is regulated by an amount corresponding to the<br />
development of the unemployment benefits.<br />
You contribute to the early retirement scheme each quarter,<br />
in 2013 the amount is: DKK 1401.-<br />
You must contribute to the scheme from the time just before<br />
you turn 30.<br />
You must be a member of an unemployment benefits fund<br />
for 30 years in order to benefit from the scheme. All your<br />
private pension funds will be deducted from the pay-out<br />
from the early retirement scheme.<br />
Read more on our homepage www.ca.dk/efterlon<br />
11
Make a shortcut to the job<br />
At <strong>CA</strong> a-<strong>kasse</strong> you get an array of free offers<br />
that help you get on track towards your next<br />
job. You can also use the offers even though<br />
you are employed. If you have been given<br />
notice or are threatened by unemployment<br />
you can therefore contact us immediately.<br />
You need not wait until you become<br />
unemployed.<br />
A great part of our offers are directed towards the different<br />
phases of job seeking – clarification, research, application<br />
and CV, the job interview, tests – but we can also help you<br />
with personal development and career development.<br />
Read more on www.ca.dk/genvejtiljob<br />
1 Clarification – what do you want What can you<br />
Graduate or in the middle of your career We help you<br />
find out what you want, and what you can.<br />
1. Read more about clarification on ca.dk/genvejtiljob.<br />
2. Attend the course ‘Your career path’<br />
3. Get coached by <strong>CA</strong>’s proficient career counsellors.<br />
2 Find the job, where do you want to look<br />
Do you want to look within your subject area or change<br />
direction<br />
1. Read about finding the job on ca.dk/genvejtiljob.<br />
2. Attend the course on ‘Pro-active job search’<br />
Get free access to Dunn & Bradstreet’s comprehensive<br />
vocational database and research the companies you are<br />
interested in.<br />
3. Get career counselling on your job possibilities on the<br />
labour market.<br />
3 Optimise your CV and your application<br />
Your application must capture attention in 20 seconds. Is<br />
it to the point<br />
1. Read about how to write your application and your CV<br />
on www.ca.dk/genvejtiljob.<br />
2. Attend <strong>CA</strong>’s courses on ‘CV and application that work’<br />
and ‘Pro-active job search’ and get feed-back on your<br />
applications and on your CV.<br />
3. Get concrete counselling on your application and your<br />
CV from a career counsellor.<br />
4 Prepare for the interview<br />
You have passed the first hurdle, you are going to an<br />
interview. Become a success at the interview with good<br />
tricks and interview training.<br />
1. Get good advice on the job interview at www.ca.dk/<br />
genvejtiljob.<br />
2. Attend <strong>CA</strong>’s course ‘Success at the job interview’ so you<br />
are prepared and get the job.<br />
3. Get interview training from a career counsellor before<br />
going to the interview.<br />
5 Are you sure of your personal profile – test yourself<br />
When employing, three out of four employers use tests<br />
to determine whether you are the right candidate for the<br />
job. Prepare yourself with a cutting-edge personal profile<br />
test.<br />
1. Read about tests on ca.dk/genvejtiljob.<br />
2. Attend the course ‘Scoring the test and benefit more<br />
from interview and test.<br />
3. Take for free at <strong>CA</strong>’s an Insights Discovery personal<br />
profile and get feed-back from a test accredited career<br />
counsellor.<br />
6 Get on with your career<br />
You can always encounter new challenges in your career.<br />
<strong>CA</strong> helps you with handling stress and conflict, coaching<br />
and courses on career development and personal<br />
development.<br />
1. Read more on personal development and career<br />
development on www.ca.dk/genvejtiljob.<br />
2. Attend <strong>CA</strong>’s courses on the leader’s career path,<br />
coaching, conflict handling and communication,<br />
network, negotiation techniques, presentation<br />
techniques etc.<br />
3. Get coaching and career counselling.