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Cross-referencing and income register

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What does cross-referencing mean?

When you fill out your unemployment benefit card or early retirement card, you do so based on an estimate of working hours for the last days of the month. According to legislation, it is our job to compare the information you have provided on your unemployment benefit card or early retirement card with the paid hours that your employer has reported to SKAT. We call this reconciliation.

We do this comparison to make sure you've been paid the right amount. If you haven't, we need to correct your payment - for example, by paying out the money you are owed or informing you that you need to pay back an amount. If there is a difference in the information, we will write to you and explain how the correction will be made. This happens around the 11th of each month.

Learn more about cross-referencing and how to fill out your cross-referencing card

Cross-referencing with income register

Danish employers, companies and paying authorities are obliged to report taxable income for each citizen to a central register - a so-called income register. The register is under the Ministry of Taxation.

This means that instead of asking for members' payslips as documentation for work periods and unemployment insurance rights, the unemployment insurance funds must ask SKAT. In practical terms, Min A-kasse must look up the individual member in the income register.

When your employer has reported your wage hours and income no later than the 10th of the following month, we then need to retrieve the information from the income register from the 11th of the month. Here we need to compare your expected information with the wage hours and income reported by your employer. If there is a difference between your information and your employer's information, we will write to you. In the letter, we'll tell you what the difference is and that we'll adjust your unemployment benefits. You have one week to object if you do not agree. If you don't object, we will automatically adjust your unemployment benefits in the month of the difference.

How we collect information in the income register

When you register as unemployed, we check the income register to see if you meet the conditions for unemployment benefits and to calculate your unemployment benefit rate. 

Legislation imposes strict requirements for confidentiality and security when handling this information. Min A-kasse is subject to confidentiality and auditing of our use of the income register.

When using the information for specific case processing in Min A-kasse, we do not need to notify the individual or obtain permission for the posting. If you want to know what information Min A-kasse has collected and in what context, we are happy to inform you.

This is why there can be a difference in hours

There can be several reasons for a discrepancy between the information we have from you and the information your employer has reported to SKAT. The typical reasons are:

  • Odd pay periods. Your pay period is a so-called "skewed pay period" if it does not follow the calendar months. For example, your pay period can run from the 15th of one month to the 14th of the next month. If your employer reports as if the pay period follows the calendar months, errors can easily occur.
  • Incorrect entries in your unemployment benefit card or early retirement card. You may have worked more or less than you expected when you sent in your unemployment benefit card or early retirement card. You may have entered too many or too few hours on your card.
  • Your employer has reported incorrectly to SKAT. It may be that your employer has reported an incorrect number of paid hours, or that you have had the hours in a completely different pay period than the one in which they were reported. If this is the case, write it on the reconciliation card and attach documentation such as a payslip, work schedule or similar.

Linking can lead to a fix

Your unemployment benefits are paid out based on your unemployment benefit card, which you send every month. In order to receive unemployment benefits on time, when you fill out the card, you must provide information about expected hours, income and other factors that affect your unemployment benefits from the time you send your unemployment benefit card until the end of the month. The same applies to those who send in an early retirement card every month. This can lead to a subsequent correction.

Example of situation that can lead to a correction

You work as a temporary worker on reduced hours in August. In August, you must send your unemployment benefit card on August 24, which covers the entire month of August. As you do not know your working hours in the period from August 24 to August 31, you must state the hours you expect to work during the period - an estimate.

Your estimate during the period is 20 working hours, but when the period is actually over, you will have worked 25 hours. This means that there is a difference of 5 working hours between your estimate and the working hours reported by your employer to the income register. As the difference is 5 working hours, you must repay the equivalent of 5 hours of unemployment benefit.

Find answers to frequently asked questions about cross-referencing

Why do I get a letter telling me that my working hours are incorrect when I've entered them correctly?

There are several reasons for this: 

  1. We often find that employers report payroll hours in the wrong period, so it does not match what you have stated on the unemployment benefit card. If you think this is the case, please let us know. We will then contact SKAT and the employer and ask them to correct the error.
  2. Although it may sound illogical, there is a difference between working hours and paid hours. You may have worked more or fewer hours in a month than you were paid for. What you need to report is the number of hours you were paid for. 

 

Why is it important that I respond to the letter about cross-referencing?

Regardless of whether you believe that the hours reported by your employer are correct, how they are registered on your unemployment benefit card can be of great importance. Therefore, check if the hours are as you actually worked. If they are not, it may affect the number of weeks you can receive supplementary unemployment benefits.

It is important that you meet the deadline we state in the reconciliation letter, otherwise we will automatically correct your payment.

 

 

Where can I find the cross-referencing card in Self Service?

You can find the Samkøringskort under the tab Dagpenge. However, the Samkøringskort is only available on Self Service until the deadline expires. If you have been on vacation or sick and have not been able to respond within the deadline, please contact us as soon as possible.

How do I pay back the amount you say I owe?

If you have received a letter stating that you have to pay money back to us, the money will be deducted from your next payment. If the full amount has not been deducted within three months, we will write to you again with information on how to pay the remaining amount. If you want the refund to be processed immediately, you can transfer the amount to the account below:

Lån & Spar Bank
Reg.nr. 0400 - account no. 4012039358.

Remember to write your CPR number or membership number on the bank transfer.

Why do I get a letter saying my hours are not correct when I only have salary insurance?

Unfortunately, we find that some insurance companies report salary insurance as working hours, and this will affect your unemployment benefit payment. We have contacted the insurance companies in question. If you have any further questions, you are welcome to contact us. 

Why do I get a letter saying my hours are not correct when I don't have a job?

Unfortunately, we find that some employers report vacation as paid hours. This is an error, as they should of course be reported as vacation. If this is the case for you, get in touch with us and we will contact SKAT.

Other times, it may be due to hours reported from a previous job. If this is the case, we will investigate whether it affects your unemployment benefit or early retirement payment.

How should I declare my hours when I am a teacher?

As a teacher, you are often paid for preparation and are paid for 45-minute lessons, not full hours. Employers must report all hours for which they pay salaries. This means that you must report all your paid hours, not just the lessons or hours you teach.

I am a seafarer. How should I state my work on my unemployment benefit card/early retirement card?

When you are employed as a seafarer, we can basically experience three situations:

  • Løn for både sødage og fridøgn. Du skal oplyse 7,4 timer pr. sødag og pr. fridøgn.
    Eksempel: 9 sødage giver 9 fridøgn. Du skal oplyse i alt 18 dage af 7,4 timer pr. dag, og vi modregner 133,2 timer.

  • Salary for a fixed period, but no agreement on days off and no reporting of hours. We need to convert using the union's conversion rate (295.54 kr in 2025). This means that you must report your total salary divided by the days you have worked.
  • Salary for a fixed period, but no agreement on days off, but reporting of hours. We offset the hours 1:1.
    Example: 5 days of work with 7.4 hours per day. 37 hours have been reported. You must report 7.4 hours per day and we set off 37 hours.

It is always important that we get a copy of your contract so we can assess which situation you are covered by.

What is a quarantine for attempted fraud?

You may risk being quarantined for attempted fraud if you have received unemployment benefits or early retirement benefits that we believe have been paid out incorrectly. In other words, we must assess whether the payment was made with a deliberate act in mind.

It is considered a deliberate act if you discover/should have discovered that you have been overpaid, but fail to notify us.                                      

Therefore, compare the payroll hours on the payment specification with the hours on your payslip. If it's not the same number, contact us.

If you have already been quarantined for fraud or attempted fraud within the past five years, you will be deleted as a member of the unemployment fund. 

Have you been deregistered as unemployed on jobnet.dk during an unemployment benefit period?

If you have been deregistered on jobnet.dk during a period where you have also been at work, it is important that you still fill in the hours for those days on your unemployment benefit card/samkøringskort. This is important because the legislation states that all your paid hours must be offset. You may risk that we have to deduct extra hours on the days you've been unsubscribed if you don't fill them in yourself. 

Although it may seem illogical, in some cases it can be financially beneficial for you to disclose the hours for the days you've been unsubscribed.